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Should car insurance premiums depend on your age group?

When it comes to being a car insurance risk, it is no secret that different age groups present different risk factors. For example, men under the age of twenty five are known to be more prone to speeding and drinking and driving. They are therefore considered to be a higher insurance risk. The question remains though, should car insurance premiums be based on these age-related risk factors?

Different age groups react differently in driving situations. Older people tend to drive more slowly and cautiously than younger people and this can present problems. For example, if an elderly person is driving...

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Car Insurance For Woman

As a woman living in South Africa, you may feel that it is necessary to use a car insurance company which caters strictly for women. After all, women drivers are generally more cautious than male drivers, and don’t feel the need to attempt crazy stints on the road or any other questionable behaviour which may put your car at risk.

You have probably seen the humorous T.V advertisements for First for Women car insurance- the South African car insurance company which caters strictly for women!

First for women car insurance understands that women are a lower risk on the road, so...

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Third party, fire and theft cover

Even though it is more ideal to take out comprehensive car insurance, many people opt for Third party, fire and theft cover. This type of car insurance lies in the middle of the three types, as it is neither as extensive as comprehensive cover, nor as limited as Third party only cover.

When we speak of ‘third party’ cover, an example is as follows: If you were to crash into another vehicle and the accident was deemed to be your fault, then despite not being able to claim for damage to your own car, you’d at least be covered for...

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Is cheap car insurance always better?

It seems that people are always out to find cheap car insurance. Companies advertise cheap car insurance with promises of low premiums and all the benefits you can think of. This may sound appealing, but it is important to stop and think about whether cheaper is always better. As the saying goes, if something is too good to be true, it usually is. Consider the following factors before you opt for the cheapest car insurance.

Car insurance is there to suit different needs, depending on lifestyle and how often one drives.  When looking at cheap car insurance, you need to...

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Third party cover

Third-party-coverWhen it comes to car insurance, third party cover is generally the cheapest and most basic type of car insurance. With this type of insurance, you are only covered for any damage done to the vehicle of a third party, as well as any injuries incurred by the third party involved in the accident. Your car is not covered in the event of it being damaged by fire or if it is damaged as a result of an attempted theft.

For example, if you have third party cover and you were to crash into another car, then your liability towards the driver of the other car would be...

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