Frequently Asked Questions
- Un-roadworthy vehicle
- Reckless driving
- Drunk driving
- Driver not the “regular driver”
- Vehicle used for business
- Vehicle not parked securely at night
- Unlicensed driver
- Tracking device not fitted
- Vehicle inspection not carried out
- Material non-disclosure at underwriting stage
- Security device not fitted
!!! It is therefore very important to always read the Terms & Conditions and inform your broker or Insurance Company of any changes.
- The risk address where the insured goods are kept.
- The regular driver
- The use of the vehicle
- The year model & make
- Previous claims history
- Insured amounts
- Age & marital status.
!!!It is therefore very important to inform us should any of these change, because they will affect your policy, but can also play a role when claiming.
Most of the insurance companies make use of a supplier on their panel. Their motor body repairers guarantee their workmanship, once the vehicle has been repaired. This allows us to constantly monitor the quality of the repairs carried out by the motor body repairers that we work with. However with most companies ; should you insist that you want your vehicle repaired by a panel beater of your choice we will give you a cash settlement in lieu of the amount that it would have cost us to repair your vehicle. In such an event, we can obviously not guarantee the repairs of the vehicle.What is a No Claim Bonus?
This is the discount allowed to drivers who have enjoyed continuous comprehensive cover and have submitted no claims for a certain amount of years. An interruption of insurance for no more than 39 days will still qualify as continuous cover and claims for window glass, car sound equipment and hail do not affect the No Claim Bonus.