No Excess Is a Very Attractive Option When Shopping For Insurance

 Car Insurance  No Responses »
Jan 132012


Virgin Insurance charges no excess for your vehicle if it is driven by you or by your partner; now that is a promise that few of us can take lightly. Excess is often the bug in the ointment when looking at different insurance options, as this can often add up to quite a substantial amount.

 

Virgin Insurance promises that your insurance will never be the same again, and has come up with this unique offer so that you will be better off financially.  The only amount that you will have to fork out when it comes to claiming for theft or for accident damage or any other claims is for the hurdle amount.

 

Take note that normal excesses apply for the replacement for windscreens and radios, though.

 

All enquiries and quotations for Virgin Insurance are handled professionally online for the convenience of the customer.

 

Virgin Insurance was launched in 2006 in order to offer a superior deal, excellent service and fantastic rewards. Financial products are offered that are easy to understand resulting in the client being better off all round. The main aim of Virgin Insurance is to ensure that the client receives really excellent value for money and that they deliver a fair profit.

 

Dial Direct Insurance is the underwriting company for Virgin Insurance. Dial Direct is a part of the UK Dial Direct Group, and also forms part of the Telesure Investment Holdings Group in SA.

 

The Accident and Towing benefit should be taken out with any Virgin policy.

 

Virgin Insurance covers motor vehicles, motorcycles, trailers, watercraft and caravans.

Buildings are also covered as are all portable possessions, such as cell phones, wallets, handbags and numerous other items. For the best in service and for excellent value for your money, contact Virgin without any further delay.

 

Posted by admin at 1:17 pm  

Car Insurance Companies And The Effect They Have On The Environment

 Car Insurance  Comments Off
Jan 052012

Insurance car companies should all be in tune with the universe. It is not perchance that more and more natural disasters are occurring, as 2011 has so graphically illustrated.

We can all do our bit, starting from the recycling of household waste, to the way we operate in the office environment, and if every industry and every industry went the extra mile to assist in this, then we should all be better for it, whether the industry focuses on banking, catering, plumbing or insurance companies; focusing on saving the environment should be on the top of the priority list of all companies.

So how does an insurance company or a car insurance company assist and how are they supposed to be eco friendly?
First and foremost, making use of online quotes saves paper and therefore saves printing resulting in fewer trees being cut down. Planting trees instead of cutting them down for more paper is really important.

Getting an online insurance quote from insurance car companies is very simple plus it saves on all that wasted paper.
You are now able to get at least ten quotes from different companies and you are now able to make good comparisons so that you will find the best deal in town; this is all easily done online, and no paper wastage either.

Here are a couple of green driving tips for the Eco fundi:

•    Speeding not only kills and if you do drive in the allotted speed limit you will improve your fuel consumption and at the same time reduce your car’s emissions into the atmosphere.
•    Make fewer journeys and drive less; fewer trips add up to less fuel consumption. Where possible, walk; this will ensure that you will have better health, burn all those extra kilos and at the same time save on fuel consumption. Two birds with one stone.
•    Once you the temperature in your vehicle is stabilised, turn off the air-conditioner. This will save you a fortune in fuel and also will reduce harmful emissions into the air.
•    Well-maintained cars use less fuel.

Every bit helps when looking for ways to save the environment; car insurance companies are certainly not exempt from this important issue.

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Posted by Theresa Anne at 6:17 am  

Car Insurance For Young Men

 Affordable Insurance, Car Insurance  Comments Off
Jan 052012

Which Factors Are Taken Into Consideration For Car Insurance For Young Men?

Insurance for young men under the age of twenty five is loaded, so what is the reason for this?

Here are a couple of points why insurance houses perceive this to be necessary:

•     Stats have proven that young males are largely accountable for car accidents on the roads in SA.
•    Young males have a tendency towards driving much faster than females in the same age group.
•    It is a known fact that young men do not like using seat belts when driving.
•    Young men have a tendency to drive more often than females in this same age group, although this is fast changing.
•    Young males are often seen to be reckless drivers on our roads and engage in dangerous and reckless driving activities and practice.
•    Once young males reach the age of 25 the insurance premiums are drastically reduced.
•    The perception is that 25 is the age that young men start being  more responsible, and accountable for their actions.
•    It is more than likely that insurance houses will revisit the fact that girls are now fast becoming more independent, aggressive on the roads and are driving as much and as fast as males; it would not be surprising if girls under the age of twenty five will pay even more for insurance.

There are ways of reducing insurance premiums if you are a young male driver. Compare quotes from different insurance companies online and find one which one is affordable and one that suits your individual circumstances and needs. It is far better to be paying a lot more than having no insurance at all, as few of us can afford to either replace or repair a car in this day and age, as everything is really expensive. Best, then, to be safe than sorry, and be prepared for all eventualities.

Posted by Theresa Anne at 6:17 am  Tagged with:

Motor Plan For Ageing Vehicles

 Car Insurance  Comments Off
Dec 222011

Getting a Motor Plan For That Old Car Makes Good Sense

If your motor vehicle is really old and has no mechanical breakdown cover whatsoever, and it is getting to the point where mechanical breakdown is an everyday occurrence, then you should look at either replacing the vehicle or getting a motor plan that will take care of all the extra costs incurred. We seldom have the extra cash on hand to finance unforeseen problems, making this a perfect reason to get this type of brilliant motor cover.

Insurance companies are coming around to the fact that there are many ageing vehicles on the roads, that simply do not have a motor plan or adequate cover for things like repairs. With competition being strong, it is not surprising that you will be able to get excellent products at excellent prices from at least ten different companies, and the best part of all is that you would be able to compare these quotations online.

What does a motor plan cover?
•    Your engine will be covered when you take out a motor plan
•    Braking systems
•    Gearbox
•    Other mechanical parts

The type of cover that you will be able to get will depend on how old your vehicle is and also what kind of mileage has been done by the vehicle.

A new car is expensive and often too costly for many to afford; we are all still reeling from the credit crisis, so for too many of us new vehicles and cars are simply out of the question, as is moving house.
Some things are just too impractical and expensive to replace. Look after what you already have.
Take out a motor plan if you need to, repaint your house, and find ways of saving every last penny during the course of the year and at the end of it all you would be amazed at how thrift pays off.

Posted by Theresa Anne at 10:34 am  

4 X 4 and Off-Road Insurance Cover

 Car Insurance  Comments Off
Dec 212011

4 X 4 Insurance Is Referred To As Off-Road Car Cover

4 X 4 Insurance is referred to as off-road car cover here in SA. This kind of insurance has been designed in order to take care of and to cover all cover when it comes to the insuring of these vehicles and any other vehicles that are utilized specifically for off-road use.
Although these vehicles were used for the bush in the past, these vehicles have become quite common for everyday household purposes and use.

Why 4 X 4 Vehicles specifically?

•    They are strong and sturdy
•    They are hard-wearing

Because these vehicles have become so popular, vehicle insurance companies have designed insurance to specifically cover these off-road vehicles, whether the vehicle is used in urban areas or off the beaten track.
Benefits that are not usually part and parcel of your everyday car insurance are included when covering your 4 x 4 vehicle, but take note the insurance cover is normally more costly than the usual car insurance.

Here are a couple of points to take note of:

•    This kind of cover is usually more pricey than your average vehicle, so be prepared.
•    Your usual claims, such as fire, theft and third party are covered by your 4 x 4 insurance, but there are also extras that need to be covered over and above the standard cover.
•     Accessories come at an additional cost.
•     When damages are incurred to your 4 x 4 vehicle the vehicle is usually replaced at the retail value of your off-road vehicle.
•    Off road cover and passenger contingency as well as passenger liability is covered.
•    Keys and locks are replaced.
•    Should the vehicle need to be replaced due to theft or accident in the first, the vehicle will be replaced.
•    There is usually a large sum for disbursement for third party, and a part of medical expenses will also be covered.
•    Cross country trials as well as 4 x 4 rallies and repatriation costs are covered by your off-road insurance.
•    Your specialized off-road car cover will insure your cell phone and spare wheel.

Although off-road insurance is more expensive than that of the cover of ordinary motor vehicles, you will be pleased to have such excellent cover should you need it.

Posted by Theresa Anne at 2:16 pm  Tagged with:

Companies in South Africa that offer car insurance

 Car Insurance  Comments Off
Nov 072011

COMPANIES IN SOUTH AFRICA THAT OFFER CAR INSURANCE COVER
Companies who offer insurance for a car are:

Dial Direct Insurance entered the South African short-term insurance market in 2003 and occupy a unique position in the marketplace as the consumer’s hero because they cut out the middle man and you deal directly with the insurer – they offer insurance for a car – either on the internet or via their call centre. You and you alone have personal control of your short-term insurance needs. Dial Direct has advanced technology and call centre systems which ensure prompt
answering of all sales enquiries and a turnaround time for policy administration and claims processing that is unrivalled in the industry.

MiWay Insurance Limited is an authorised financial service company that offers a full range of financial products and services direct to the consumer. MiWay’s initial offering includes short term insurance for a car plus motor warranty and credit life but there are long term plans to extend this offering to a complete array of services all under one convenient umbrella.

OUTsurance is a direct short-term insurance operation within the RMBH FirstRand stable, a leading South African financial services group that offers insurance for a car.  Launched in February 1998, OUTsurance has captured the imagination of the public with its innovative approach that includes a suite of products with a range of special features and benefits. On 1 January 2000 OUTsurance merged with First National Insurance, a company within the same group. The
merger formed part of the broader FirstRand bank assurance strategy and consolidated the group’s short term insurance business.

Companies in South Africa that offer car insurance 20111107289.5625 Companies in South Africa that offer car insurance

Posted by Gillie at 11:29 am  

Companies in South Africa that offer car insurance cover

 Car Insurance  Comments Off
Nov 072011

If you are in the market and looking for insurance for a car, you will not be disappointed. The funny thing about people and habits is that we are so used to using the same route every day when we go to work, have the same meals over and over again, and somehow we do not think twice about paying our car premiums every month, without any further thought and have been living in the same home for years and go to the same holiday destination year in and year out. Well the buck stops here. We are facing an economical crisis and many of us can barely afford to put the proverbial daily meal on the table; so why are we paying more on insurance premiums every month, year in and year out, only because we are comfortable with the situation, and with the insurance company? Bollocks!! We are simply too bone idle to look around and find companies in South Africa that will give you a better deal for your money.
The best way to find the best companies in South Africa that offer car insurance cover is to do so online. All the top insurance houses offer car insurance, but the secret simply lies in the product we need for cover, and the amount of times we drive. If we don’t drive often, say, and work from home, then it makes sense to only use the kind of pay as you go cover that, for example,  Hollard offer.
Or if you have a fleet of vehicles that you need to transport goods to and from all over the country then Mutual and Federal will offer you superior cover on all aspects of not only your vehicles but also on any type of business insurance you might require.
Get smart and find companies in South Africa that offer insurance for a car that will perfectly suit you, your budget, your situation; you will be able to save as much as 30% every month if you do your homework well.

Companies in South Africa that offer car insurance cover 20111107579.5186 Companies in South Africa that offer car insurance cover

Posted by Theresa Anne at 10:28 am  

2012 HOME LOAN GUIDELINES

 Affordable Insurance, Buy Home Insurance, Buy Insurance, Car Insurance, Life Insurance  No Responses »
Aug 302011

In the world of home loans the rates are always changing and the methods and the rules in relation to getting a home loan are also constantly changing. The rules and regulations can change each year. It’s important to be knowledgeable on the current rules to avoid any infractions that may result from bad home loans practices.

Because these home loans are such an integral part of the economy, it’s important that they continue to be issued to qualified borrowers, but it’s also important that unqualified borrowers aren’t allowed access to loans too large for their current incomes.

When talking about the 2012 guide lines for home loans, it’s important to have a baseline as to judge the current rules on and interpret the new rules. It’s important to know if you’re eligible for home loans. Many creditors use a variety of information to determine if somebody is eligible for a loan.

The primary way in which home loans qualification is determined is through the credit score of the person hoping to obtain the loan. A credit score is simply a number that is kept throughout the life of the person and it is used to determine somebody’s credit worthiness. There are many factors that can determine the credit score of a potential home loans applicant.

The major factors are the applicant’s history of repaying debts on time, not having too much outstanding debt at any one time, and a history of managing debt in a responsible manner. Since home loans are such large investments, the banks and the lending institutions want to be sure that the person taking out the loan will be able to pay back the entire loan plus interest. This protects the bank’s investment and ensures the bank will make a profit on the loan.

 

Posted by admin at 6:37 am  

How to get lower insurance premiums

 Affordable Insurance, Buy Home Insurance, Buy Insurance, Car Insurance, Life Insurance  Comments Off
Aug 202011

Saving money is good, and the same can be said about saving money on car insurance quotes.  There are a variety of things you can do to ensure you save as much money as possible and lower your premiums on your car insurance.  Common things that people do include raising deductibles, lowering limits, driving less, and getting your driving record cleared of all tickets and convictions.


The first and easiest thing you can do is to simply raise your deductible if you have collision or comprehensive insurance on your policy.  By raising your deductible, you are agreeing to pay more out of pocket in the event of an accident or damage before the insurance kicks in.  Another thing you can do is to lower your limits on your liability portion of your policy.  Having lower limits is risky however, because you may get into an accident and not have enough coverage on your policy to cover everybody or everything that is damaged or injured in the accident.


Another way to lower your insurance premiums is to drive less.  As you drive less, your insurance premiums will fall because being on the road less means you have a much lower chance of getting into an accident and getting damaged.  A second way to lower your insurance rates is to get tickets and other convictions expunged from your records.  Having any type of traffic conviction or moving violation on your record will increase your insurance premiums dramatically. 


Nobody likes paying tons of money for car insurance, so it is helpful to know how to lower your insurance premiums and pay less each month for car insurance.  Because car insurance is required to have on all vehicles that are driven, paying lower monthly premiums can save you money in the long run.


How to get lower insurance premiums 20110820705.5475 How to get lower insurance premiums

Posted by admin at 6:58 am  Tagged with: , , , , , , , , , , ,

What Insurance can Cover

 Affordable Insurance, Buy Home Insurance, Buy Insurance, Car Insurance, Life Insurance  No Responses »
Aug 152011

Insurance is one of the most important financial aspects for any advanced economy.  Without insurance, people won’t take risks and the economy won’t grow.  Insurance can come in a variety of forms and can cover many different aspects of life, ranging from life insurance to car insurance.

Property insurance is one of the most important types of insurance available.  It comes in a variety of forms, such as home insurance, renter’s insurance and commercial property insurance.  Property insurance is very important because it gives people the reassurance they need to own property.  If people didn’t have insurance, nobody would purchase expensive homes and instead most people would rent property instead of purchasing.  The main form of property insurance comes in the form of homeowners insurance.  When you own a home and have homeowners insurance, your home is insured against a variety of disasters, such as fire and wind.  The property inside of your home is also covered in case of theft or burglary.

Vehicle insurance is the second major type of insurance.  Vehicle insurance covers everything ranging from your daily driver to your boat.  Vehicle insurance is one of the few types of insurance that is actually required.  Minimum liability insurance is required for all vehicles in the United States if you’re going to drive them on public roads.  You can also cover other types of vehicles, such as ATV’s, boats, RV’s and motorcycles.

The final type of insurance is health and life insurance.  Health insurance covers your hospital visits and life insurance is a monetary reward that is paid out to your beneficiaries if you happen to die while your policy is in effect.  Much controversy surrounds life insurance because it sometimes gives people a motive to kill so they can collect the insurance money.

 

Posted by admin at 7:38 pm  
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