The main reason you get car insurance is so that if something happens to your car, you don’t have to pay to get it fixed up or replaced out of your own pocket. Too often, people don’t think about getting cover, that is… Until they need it. Usually after they’ve realised that their little fender bender has resulted in tens of thousands of Rands in damage, which is when it’s too late. Alas.
And that’s just an example, because it’s not just small mishaps that could damage your car. There are other risks, like inclement weather, electrical faults, and major accidents which can cause car damage. Barring the kind of extensive damage that results in a total write-off, you can expect to cough up quite a bit to repair your ride and have you back on the road.
In fact, let’s take closer look at the 7 most common types of car damage.
- Broken or cracked windshield
Coming in at the number 1 spot is a broken or cracked windshield, with chips and cracks frequently occurring because of stones flicked by the tyres of other cars.
We can’t speak to the prices for all types of windscreens and service providers’ unique fitment costs, but typically it costs around R500 (and up) to replace a windscreen. It doesn’t sound expensive, but it adds up.
To cover your windscreen, you’re looking at getting the king’s comprehensive car insurance.
- Accidents and collisions
We couldn’t get further into this list without mentioning car accidents and collisions with other large objects. These incidents tend to cause significant damage to the body of your car, not to mention all that hidden damage.
Again, this is a job for comprehensive car insurance. Specifically, the king’s simple cheap comprehensive car insurance. Click here if you want to check it out and get a commitment-free quote.
- Water damage
Given the heavy rains the country has experienced over the past few years (we see you, KZN), no one will be super surprised to learn that water damage is becoming more common. Mostly, it’s the electrical devices (such as starter motors and alternators) and other electronics which are compromised if water enters your car.
What covers this? The king’s comprehensive car insurance.
- Dents, chips, and scratches
Very few of us are exempt from chips, dents, and scratches, which are mostly caused in parking lots when someone opens their door into your car, or debris is blown across the road, or even just by the kids horsing around outside.
Wondering if this is yet another reason to get comprehensive cover? Well, actually, because this happens so often, the king introduced scratch and dent insurance to cover minor repairs to the exterior of your car… Like those mysterious little dings that happen in parking lots, and those annoying spots of tar that stick like superglue. It’s a lot cheaper than claiming from your main policy (if you can) and enables you to keep your car in good nick.
- Hail damage
Let’s not forget about hail damage. The fact is that hail is a leading cause of dents in a car’s body, and while we’ve learned to become more vigilant about hailstorm alerts, this kind of damaging weather can happen anywhere, at any time.
- Fire damage
Oddly, this isn’t talked about a lot, but actually… Electrical faults happen, and when they do, these issues can cause fire damage to the exterior and interior of your car, including your car engine (that’s a cha-ching repair, BTW).
What covers this? The king’s comprehensive car insurance and the king’s third party, fire, and theft car insurance.
- Tyre and wheel damage
Tyre and wheel damage is all too common. Especially on our pothole-riddled roads. This kind of damage is covered by the king’s amazing tyre and rim insurance.
Starting from just R39 per month (depending on a few variables which we’ll cover when you get a quote), this policy pays to repair your tyres if they’re repairable and to replace them if they’re not. We’ll also fix your rims if we can. So, damage from rocks, broken glass, potholes, steel, and other road hazards = no problem, when you’re with the king.
Talk to the king
Our royal team of experts are ready to help you get the cover that you need and can afford at a moment’s notice. All you need to do is WhatsApp or call us on 0860 50 50 50 or simply click here for a commitment-free quote.
Let us help you get that priceless peace of mind, knowing that whatever accidental car damage you encounter, you’ll be covered.
