If you’ve ever tried driving on South Africa’s roads, you know that a good car insurance policy is as crucial as a GPS (preferably 1 with a South African accent to keep things interesting). Whether you’ve been pranged in a parking lot or had a run-in with a pothole the size of a small crater, King Price offers a range of insurance options to make sure you’re covered… And we promise not to judge you if you’ve got more ‘bumper kisses’ than the average South African driver.
Not keen on comprehensive car insurance? The king of insurance has many other options to suit your budget and your needs.
Let’s break it down and figure out which King Price car insurance option works best for you.
Third party, fire and theft
The third party, fire and theft insurance cover gives you peace of mind when it comes to theft or hijacking (because we all know that’s a real concern). It also protects you in the event you accidentally damage someone else’s property in a car accident.
Now, before you start thinking of that 1 time you backed into your neighbour’s wall (oops), just remember – you’re covered for those mishaps, too.
Third party only
If you’re a safe driver who somehow always seems to miss the potholes (no idea how), and you’re more worried about causing a minor fender bender than getting hijacked, then the third party only cover is perfect for you. This covers the damage you might cause to someone else’s property in an accident – which, let’s be honest, might be more likely than a hi-jacking (but we’re not judging).
Collectable car insurance
For those with a classic car or a high-value ride that makes you feel like a king (or queen) on the road, collectable car insurance is an absolute winner. With this option, you’re covered for accidents, theft, and third party liability, plus, the best part: You pay per kilometre! If your car only comes out on Sundays for a little stroll, you can rest easy knowing your insurance is less than your monthly coffee budget.
Agreed value
You know that sinking feeling when you realize your car’s value has dropped more than your phone battery? With agreed value insurance, the value of your car is locked in for 3 years, so no surprises (except when someone compliments your car, of course). You get the full value of your car if something goes wrong, like theft or a total loss, and your premium stays the same. Agreed value is only available with comprehensive car insurance, so keep that in mind when you consider this option.
Theft and write-off
Unfortunately, sometimes your car may not make it through a disaster. If your car’s written off, stolen, or damaged in a botched hi-jacking attempt, theft and write-off insurance ensures you won’t be left in the lurch. This policy covers you for total loss, so you can get back on the road, without the headache of trying to explain to your insurer why you’ve been stranded in the middle of nowhere.
No matter which car insurance option you choose, the key is to ensure you’re properly protected. After all, in South Africa, the only thing more unpredictable than the weather is the state of our roads. Make sure you’re covered.
Click here or WhatsApp us on 0860 50 50 50 for a commitment-free insurance quote.
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Psst… This blog provides general info only, and doesn’t count as financial or product advice from King Price or our legal and compliance experts. Remember, all our premiums are risk-profile-dependent, and T’s and C’s apply. Our most up-to-date KPPD (policy wording) can always be found here.
Our website T’s and C’s can be found here.
