3-min Guide to Car Insurance

Factors that determine your motor premium

• driver’s age
• gender
• occupation
• claim history of the insured person
• vehicles’ make
• vehicles model
• vehicles’ age

Amount of excess or deductible

• a basic excess is applied to all motor polices
• a higher excess is imposed for young and inexperience drivers

Windscreen damage

• is the windscreen covered?

Courtesy car

• need a car when your damaged insured car is under repair?

No claim discount ( ncd )

• ncd is an entitlement on renewal if you have not made a claim for a year
• ncd reduces the premium you have to pay for the following year

Personal accident cover

• this covers you and your life is definitely more important than the car

Workshops

• where to send the car for repair?

Replacement cost

• what happens if your car needs to be written off in an accident?

Towing and roadside assistance

• how to find immediate assistance when problems occur?

Cancellation of policy

• both you and your insurance company have the right to cancel the motor insurance policy for any reason
• insurance companies can decline your policy renewal after a major accident claim