Rate and Review South Africa's best and worst insurance companies, products and brokers.
Rate and Review South Africa's best and worst insurance companies, products and brokers.
Budgets are great for telling us what we can’t afford, even if it’s a low low car insurance premium. Budget Insurance Car Insurance, however, cuts the cost not the cover so that your car insurance premium fits comfortably into your uncomfortably small budget. That’s how much they care.
By means of four semi-customization budget motor insurance plans, Budget Insurance caters for the demands of the general public. Like their competitors, their range of policies includes comprehensive cover, third-party fire and theft, third-party only and off-road vehicle (comprehensive) insurance.
It’s called comprehensive insurance because it comprehensively covers your vehicle. That is, you’re covered for pretty much any damage to or loss of your car unless the vehicle was not licensed, was driven under the influence, was used without authorization, was used for racing or to earn an income, was used outside of South Africa or was not roadworthy at the time of the accident. The cover also includes damage that you may have caused to other vehicles or property.
For those with an even smaller budget, you may opt for third-party, fire and theft cover. Like comprehensive, budget insurance covers your vehicle from theft, fire, explosion, lightening and attempted theft. The policy also covers damage you may cause to other party’s property. It does not, however, cover your vehicle for damage. Your insurer may cover damage caused to your vehicle by a third-party if they can recover the loss from the guilty party.
This policy is for those drivers whose budgets can’t cater for a new car. The cheapest of the car insurance policies, third-party only covers the property of third parties that you may have unwittingly damaged in a sober state that does not include racing. This means you are free to drive into your neighbour’s SLK. You’re welcome.
Being the proud owner of this policy does not let your drive off-road in your Mini Cooper S, as it is limited to cars whose purpose is off-road. Should you qualify for such insurance, it comes with some very useful benefits such as spare wheel cover, damage or loss of the vehicles keys, damage to the canopy or other perils likely to take place in Doornrivier including up to R5,000 worth of medical costs to you and whomever else you injure.
Putting car insurance into your budget is easy with Budget Insurance Car Insurance. Just make sure there’s room for excess.
A sexy and savvy author and writer, Terry joined the Carandhome insurance team in 2011. She's written some amazing articles and is now a full time author and editor of our blog.
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