We had a major debate here at the Globalfundi head offices in Pretoria. Obviously being from Pretoria this was an issue. If you’re a blue bulls supporter, you’d say cars insurance for more than one car insurance policy. However, if you’re English speaking apparently you’d say car insurances?
Or have we missed the plot totally. Anyway, if you want to ensure more than one car, fill in the form and get car insurances.
Why car insurances?
What are the main factors that would affect your car insurances and car premiums? The main factors are the use and purpose that the car is being used for, driver specifics (under the age of twenty five as an example), where the car will go and also area where you live.
The main reason why we do have car insurances in the first instance is because this protects us against loss or damages that are claimed from insurance companies. The insurance company will therefore take all factors into consideration when covering your vehicle. Road accidents are often repeated in a specific area, for example. If you live and or work in an area where there is a large amount of criminal activity in that particular spot, such as theft and hijackings, then naturally car insurances will take that into consideration as well.
Some areas have more accidents than others do simply because there is more traffic on that route, there might be more unlicensed drivers, or the area might be a congested node. The frenetic lifestyle in Johannesburg generally makes for speeding on many roads and in certain areas, and with drivers becoming increasingly irate on roads in Johannesburg, you will most certainly pay more, say than you would in Pofadder.
There are also conditions such as poor road maintenance (especially after the very heavy rainfall this summer) and weather also contributes to increased claims. This will include hail damage and flood damage.
An area that is prone to having veld fires is also looked at carefully when car insurances cover your vehicle.
Most of these case scenarios are pertinent to Johannesburg drivers t and are the reason why car insurances look at all aspects of the vehicle they are covering and also the area where the car will be insured. Residing in smaller towns in South Africa is cheaper when you take out car insurance, than for those that reside in Johannesburg.
Fast lifestyle equals expensive insurance. Detailed research by experts show statistics in areas such as Johannesburg which cover everything from crime to accident hot spots and this is what these figures are based on.
This little extract is taken from the “Arrive Alive” site and sums up the driving in Johannesburg quite well – a little bit of tongue in cheek: Always slow down and rubberneck when you see an accident or even someone changing a tyre. Never stop to help – you will be mugged.
