- Am I still covered if someone else uses my vehicle ?
- Does my motor insurance cover me when driving another person's vehicle ?
- How can I insure my vehicle ?
- What is the excess ?
- What is the under 25 excess ?
- For what value do I insure my vehicle ?
- What premium discounts are available ?
- Am I still covered if someone else uses my
vehicle ?
Most insurance policies cover all legal drivers. However, you may find restrictions as to who is allowed to drive your vehicle.
- Does my motor insurance
cover me when driving another person's vehicle?
Your motor insurance policy may cover you when driving another person's vehicle that is not insured. Should you damage this vehicle your insurance policy may cover you.
- What is the excess ?
The "excess" or "first amount payable" is the amount you pay each time you claim. These can vary substantially between insurers. If you are accepting higher excesses, you should be getting premium discounts.
- What is the under 25 excess ?
Most insurers apply punitive excesses for accidents and thefts involving drivers under age 25.
- For what value do I insure my
vehicle ?
You insure your new vehicle for it's replacement value in the first year. Thereafter, you insure your vehicle for it's market value. Adjust your sum insured annually to it's market value to make sure you pay premiums on proper value.
- How can I insure my
vehicle ?
- Third Party only damage to other people's property - Third Party Fire & Theft damage to other peoples property & theft of your own vehicle. - Comprehensive damage to other peoples property & theft of your own vehicle.
- What premium discounts are
available ?
Ensure you take advantage of all discounts available :
| - Gearlock | 10% |
| - Tracking device | 15% |
| - Drivers restricted to owner & spouse | 10% |
| - Age discounts | 25% |
| - Female driver discounts | 15% |
| - Accept higher excess | 20% |