Car Insurance Rant

nfbs

Expert Member
Joined
Jul 15, 2008
Messages
3,296
I am currenlty using a 17 year old car. Never bought a new one because of how high insurance would be.

Now I decide I want to buy a Honda Jazz as I was told by the car dealer its not a high theft vehicle.

I've not had an accident in the past 5 years.
I've had a license for 17 years.
Garage in security complex with electric gate. Good residential area.
Work has secure parking with security guard.
I only drive from home to work and work and back.
Not buying a high theft vehicle

I looked for an ad at outsurance
safiayah.jpg
OUtsurance poster girl R485pm for a 2015 Polo 1.2 TSI. Trendline 24 year old.

I compared the new car price of the car 2015 Honda Jazz 1.2 Trend I want and it costs 25K less than a new 2015 Polo 1.2 TSI she has.

Phoned outsurance got a quote for R1,281.20 with excess of R3,820.00. 1070 for glass. I chose no temp car if my car is being repaired.

Can someone please explain how my insurance it 2.67 times more than hers?

I asked the guy who quoted me how can it be such a huge difference when her car is a high theft vehicle and is more expensive. He just said differnet profile and that she probably works at home and the colour I want it very expensive.

I ask what is the cheapest colour. He said white. R200 cheaper. I asked how much is pink. Not as cheap as white but R100 cheaper he says. But that still doesn't explain the big difference.
 
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I am currenlty using a 17 year old car. Never bought a new one because of how high insurance would be.

Now I decide I want to buy a Honda Jazz as I was told by the car dealer its not a high theft vehicle.

I've not had an accident in the past 5 years.
I've had a license for 17 years.
Garage in security complex with electric gate. Good residential area.
Work has secure parking with security guard.
I only drive from home to work and work and back.
Not buying a high theft vehicle

I looked for an ad at outsurance
View attachment 288228
R485pm for a 2015 Polo 1.2 TSI. Trendline 24 year old.

I compared the new car price of the car 2015 Honda Jazz 1.2 Trend I want and it costs 25K less than a new 2015 Polo 1.2 TSI she has.

Phoned outsurance got a quote for R1,281.20 with excess of R3,820.00. 1070 for glass.

Can someone please explain how my insurance it 2.67 times more than hers?

I asked the guy who quoted me how can it be such a huge differnce. He just said differnet profile and that she probably works at home and the colour I want it very expensive.

I ask what is the cheapest colour. He said white. R200 cheaper. I asked how much is pink. R100 cheaper he says. But that still doesn't explain the big difference.

Shop around...
 
this ^^^

or as many on myBB will say check out a broker;

I always say, isnt that more expensive?

Im with king price paying R600 odd for a white picanto thats decided it likes garages:p
 
I would suggest you get some comparative quotes. Also, get some pricing on different cars too.
Don't just stick to one brand / make unless you are dead set on getting it.
 
Shop around...
Last year I did the whole shopping around thing. Insurance varied about R250 between cheapest and most expensive. I can't even come close to getting near double what she is paying
 
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I use a broker, pay R1200 for a 2014 Spark, 2013 Cruze and household, car hire and excess waiver thrown in.
 
Don't use Outsurance.

That car should be <R500 if included with your house insurance and everything else.

Use a broker...dodging the middleman doesn't work like they claim.

My R200k Golf GTI is R493 with no excess.
 
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if you drive a bently:p

aren't they more expensive than others?

Not really, but their support/admin is atrocious.

If I could move my Pension Fund away from them without it costing me money I would have done so in a heart beat.
 
Not really, but their support/admin is atrocious.

If I could move my Pension Fund away from them without it costing me money I would have done so in a heart beat.

I would have thought being a big bank it would be better;
surely they deal with the big money, so they cant have bad service;

or is their call center outsourced and that's why its so bad?
 
I am currenlty using a 17 year old car. Never bought a new one because of how high insurance would be.

Now I decide I want to buy a Honda Jazz as I was told by the car dealer its not a high theft vehicle.

I've not had an accident in the past 5 years.
I've had a license for 17 years.
Garage in security complex with electric gate. Good residential area.
Work has secure parking with security guard.
I only drive from home to work and work and back.
Not buying a high theft vehicle

I looked for an ad at outsurance
View attachment 288228
OUtsurance poster girl R485pm for a 2015 Polo 1.2 TSI. Trendline 24 year old.

I compared the new car price of the car 2015 Honda Jazz 1.2 Trend I want and it costs 25K less than a new 2015 Polo 1.2 TSI she has.

Phoned outsurance got a quote for R1,281.20 with excess of R3,820.00. 1070 for glass. I chose no temp car if my car is being repaired.

Can someone please explain how my insurance it 2.67 times more than hers?

I asked the guy who quoted me how can it be such a huge difference when her car is a high theft vehicle and is more expensive. He just said differnet profile and that she probably works at home and the colour I want it very expensive.

I ask what is the cheapest colour. He said white. R200 cheaper. I asked how much is pink. Not as cheap as white but R100 cheaper he says. But that still doesn't explain the big difference.

Firstly, Safiyah is damn hot.

Secondly, all those posters are bull**** and I am pretty sure if insurance companies did not have so many people in lets say the ASA in their pockets they would have had problems a long time ago.

All those adverts are crud. Hippo included. Online quotes always come in at only 60% of what you end up paying once you go through the hassle of the agent interrogating you.
 
Not really, but their support/admin is atrocious.

If I could move my Pension Fund away from them without it costing me money I would have done so in a heart beat.

Um I agree on the pension front. Insurance wise? No. Have someone I can call direct with all queries or I just send a mail. Quick and painless.
Cheapest place too.
 
I am currenlty using a 17 year old car. Never bought a new one because of how high insurance would be.

Now I decide I want to buy a Honda Jazz as I was told by the car dealer its not a high theft vehicle.

I've not had an accident in the past 5 years.
I've had a license for 17 years.
Garage in security complex with electric gate. Good residential area.
Work has secure parking with security guard.
I only drive from home to work and work and back.
Not buying a high theft vehicle

I looked for an ad at outsurance
View attachment 288228
OUtsurance poster girl R485pm for a 2015 Polo 1.2 TSI. Trendline 24 year old.

I compared the new car price of the car 2015 Honda Jazz 1.2 Trend I want and it costs 25K less than a new 2015 Polo 1.2 TSI she has.

Phoned outsurance got a quote for R1,281.20 with excess of R3,820.00. 1070 for glass. I chose no temp car if my car is being repaired.

Can someone please explain how my insurance it 2.67 times more than hers?

I asked the guy who quoted me how can it be such a huge difference when her car is a high theft vehicle and is more expensive. He just said differnet profile and that she probably works at home and the colour I want it very expensive.

I ask what is the cheapest colour. He said white. R200 cheaper. I asked how much is pink. Not as cheap as white but R100 cheaper he says. But that still doesn't explain the big difference.

Before the 5 years, were you in any major accidents?
 
Too high, I pay R300 (on an old Jazz with 60k book value though).
In fact, the total insurance including a new motorcycle, two building and home content insurance is less than your car.
...Santam
 
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