Top Car Insurance Company - Car Insurances in South Africa

According to ThinkMoney.co.za, the AA Insurance company is the top car insurance company in South Africa. This, though, is based on 11 reviews. The comparison, though, does point out the importance of measuring an insurance company based on its claims process, service, excess and flexibility. The top car insurance company is the one that scores well in all categories.

Top car insurance claims process

The insurance company with the best claims process not only processes claims quickly, but also has a simple submission process. That is, they make it easy to lodge a claim and then inform you of its progress. A good insurance company also processes more claims than they reject. An insurance company which looks for ways to reject claims, is often complained about to the insurance Ombudsman and on sites like HelloPeter.com. Check these to determine how an insurance company responds to claims.

Top car insurance service

Car insurance companies, even direct insurers, provide multiple services to their clients, on top of the insurance policy. Towing and storage to the nearest repair shop in the event of mechanical and electrical breakdown or accident is one service, as is emergency roadside assistance such as providing petrol or a mechanic for breakdown. Other services include locksmiths and medical assistance.

Top car insurance excess

The best car insurance company is the one that doesn’t charge an excess. As this is difficult to come by, the insurance excess should be adjustable. That is, the insurance company should give insureds the option to set their own excess. This also implies that the excess should be fixed.

Certain insurance companies limit their risk by making the excess a percentage of the claim. This means that the more expensive the claim, the higher the excess. Insurance companies can not only set the excess, but they can also fix it for up to two years, so insureds are guaranteed how much they’ll pay.

Top car insurance company flexibility

Even though insurance companies have standard policies which include set benefits, they should be flexible. That is, the insurance company should be able to adjust the policy to suit the needs of the insured. They should also be flexible in terms of excesses and premiums. In fact, some insurers offer discounts to certain insureds for covering more than one item with them.

For a range of insurance quotes to determine which is the top car insurance company, fill in our online form and an insurance representative will contact you soon.