Honestly, dealing with insurance can be confusing, leaving you slightly unsure. Luckily, Wynand van Vuuren, our partner for client experience here in the kingdom, is here to answer your burning questions so you can be sure-sure about the details that keep you awake at night!
What’s underinsurance
Underinsurance happens when your cover isn’t enough to fully replace your buildings, home contents, and personal belongings at today’s prices. To make sure you’re covered, the insured value for your buildings should account for everything from repairs and rebuilds to things like outbuildings, walls, pools, permits, demolition, waste removal, and site safety. If it falls short, claims will only be paid out in proportion to what you have insured.
Why do they inspect my car
Most insurance companies want to do car inspections unless your car is brand-new. This helps confirm that the car is real and documents any existing damage that wouldn’t be covered. It’s a straightforward way to help keep things fair and keep premiums lower for everyone.
Who’s the regular driver
The ‘regular driver’ is simply the person who gets behind the wheel of the insured car the most each month and is listed on your policy. If that changes, just let your insurer know right away, as it can affect your premium.
Can I get a rental car
You can add car hire cover to your insurance policy, which means you’ll have a rental car if your insured car needs repairs, is undrivable, or is stolen and not recovered, as long as there’s a valid claim. This cover typically lasts up to 30 days while your claim is being processed.
Choosing a repair provider
Insurance companies often partner with trusted service providers to manage costs, maintain quality, and ensure repairs happen on time, so your car will go to an approved repairer. If you have a rare, vintage, or collectable car, though, you might be able to choose your own repairer, which is pretty great!
How can I help speed up a claim
First things first: If you’ve had a car accident, make sure to use your insurer’s approved towing service. Not doing so can add unnecessary time and costs to the process, so save that number in your phone now! It’s also wise to check your policy document for any specific timeframes or requirements. Reach out to your insurer as soon as possible, ideally within 30 days of the incident, and follow their instructions as quickly as you can.
Van Vuuren mentions that insurers aim to write their policy wording in clear, everyday English. However, if something isn’t clear, don’t hesitate to ask questions. Incorrect info leads to incorrect cover and can cause issues when you file a claim. You must know what you’re signing up for and understand all the terminology while getting a quote and if you need to claim.
Do you need a little extra help? Call/WhatsApp 0860 50 50 50 for a commitment-free quote from the king of insurance.
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.
