What other car insurance companies don't always tell you
At OUTsurance, factors such as fixed excesses, guaranteed premiums, all-inclusive cover and no broker fees form part of our standard car insurance product offering. But, at other car insurance companies this may not always be the case.
When you take out insurance, make sure that they explain to you how their excesses differ between different claims; how often your premium will increase (i.e. after a claim); under what circumstances your car will not be covered and what benefits are automatically included as part of the product offering.
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Assumptions
Many car insurance companies make assumptions about you and your risk profile. This may mean that you end up subsidising bad-risk clients when you yourself may be a low-risk client.
At OUTsurance, we don't make any assumptions: not about you, your car or your insurance requirements. We work on facts only. That's why we'd much rather ask you questions about the colour of your car, how far you commute every day, whether you use your car for private purposes only, etc.
The way we see it - the more questions we ask, the better we're able to accurately calculate your car insurance premium and save you money! You've got nothing to lose, get a quote from OUTsurance today.
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Insurance premiums
Other car insurance companies may increase your premium at a moment's notice. Chances are that once you submit a claim, you'll be hit with a hefty premium increase the very next month. Or, you'll be promised the moon and the stars at quoting stage, when only a few months later, your premium is increased.
In contrast to this, OUTsurance guarantees your premium for 12 months, even if you submit a claim. After this we'll adjust your premium in line with inflation.
Want your premium to stay fixed for the next 12 months?
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Excesses
At OUTsurance, your excess is fixed - irrespective how big or small the claim might be. Best of all - you determine the excess amount when you request a car insurance quote from us. So, you're left in complete charge of your finances, even if worse comes to worst and you have to submit a claim.
Other car insurance companies may charge you a proportionate excess which means that if, for example - you're involved in a car accident, you'll need to pay a set percentage of the total cost to repair the damage to the vehicle. You won't know how much an accident will cost you, until it has actually happened.
Also, if your car is valued at R300,000 and gets stolen or written off due to an accident, your percentage excess can easily be 10% which - in this case - means that you'll need to pay an excess amount of R30,000. This is a huge amount of money which you may not necessarily have available at the time.
So, why wait for your insurer to call you with the bad news.
Get a quote from OUTsurance today and determine your own fixed excess amount.
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What’s not included?
When you get an insurance quote, make sure to ask the car insurance company, exactly what is not included in your insurance cover. Are you insured no matter what may happen? Make sure that you're getting what you're paying for.
At OUTsurance, we're dedicated to making sure you get the best, all-inclusive car insurance package possible. That's why you'll be insured for anything from hijacking, theft, accidental damage, third party damage, hail damage, fire and any acts of nature. Not all car insurance companies offer these as part of their standard insurance cover.
Get insured with the car insurance company that offers you the best value for money.
Call OUTsurance now on 08 600 60 000.
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Broker fees and commissions
Are you currently paying unnecessary broker fees and commissions every month?
With us, you'll speak directly to one of our sales advisors which means no broker fees or commissions, ever. Instead, you'll end up saving on your car insurance premium each and every month without even lifting a finger.
Stop paying broker fees and commissions. Get a car insurance quote online now.
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