- Motor vehicle use clause
- Drivers
- Driving other vehicles
- Premium discounts
- 4 x 4 Drivers
- Ways to insure your vehicle
- Recovery of excesses
- Excess
- Under 25 excess
- Value of vehicle
- Motor vehicle use clause
Make sure you insure your vehicle for the correct use ie. Private or Business or your insurer will not pay for the claim.
- Drivers
Most insurance policies cover all legal drivers. However, you may find restrictions as to who is allowed to drive your vehicle.
- Driving other vehicles
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.
- 4 x 4 Drivers
Your 4 x 4 is probably not covered for excursions into Mozambique.
- Recovery of excesses
Most brokers do not even try to recover the excess that you paid when you had an accident. Follow up to make sure they do.
- 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.
- Under 25 excess
Most insurers apply punitive excesses for accidents and thefts involving drivers under age 25.
- Value of 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.
- Ways to insure your
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.
- Premium discounts
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% |