So as i am on a tight budget, i insured my Opel Astra GTC 2006 for a premium of R660 a month(i can't afford a premium of 1.5k a month, i'm 21) and an excess of R3000
So basically how it works is that they place a tracker in your car and monitor your driving from there, so the more reckless you are as a driver,the more you speed and the harder you break etc. the higher your premium becomes, so basically to remain a low risk driver you got to travel a max of 500km a week, avoid driving between the hours of 23:00-4:00 (this has its downfall for the nightlife but the lady told me if its once a week it is fine), avoiding backroads and dangerzones, apparently the trackers warns you about this all, we will se once i get it installed, so yes it does suck in a way, but if you on a tight budget i would say it sounds like a good deal until you can afford something better at a later stage, sucks having a fast car but you gota keep to the limits, but on the other hand its actually a good concept, because there are honest drivers below the age of 25 that must suffer with high premiums because of the ones that are speedies, also i think she said that everytime you faill out of the one bracket because of your bad driving habbit your premium increases by 40%, theres a green, orange and then red group, you start off in the green group for a 2-3 month trial where they monitor your driving and work out an average from there.
Sorry for the long explanation but just thought it might be uselful to people out there that are struggling to find cheap insurance cause of their age, this i would say is a good option if you are willing to obide by the rules, its sucks but ya, but i will post feedback on them once everything is installed. Anyone else that has any information on them please pitch in.
So basically how it works is that they place a tracker in your car and monitor your driving from there, so the more reckless you are as a driver,the more you speed and the harder you break etc. the higher your premium becomes, so basically to remain a low risk driver you got to travel a max of 500km a week, avoid driving between the hours of 23:00-4:00 (this has its downfall for the nightlife but the lady told me if its once a week it is fine), avoiding backroads and dangerzones, apparently the trackers warns you about this all, we will se once i get it installed, so yes it does suck in a way, but if you on a tight budget i would say it sounds like a good deal until you can afford something better at a later stage, sucks having a fast car but you gota keep to the limits, but on the other hand its actually a good concept, because there are honest drivers below the age of 25 that must suffer with high premiums because of the ones that are speedies, also i think she said that everytime you faill out of the one bracket because of your bad driving habbit your premium increases by 40%, theres a green, orange and then red group, you start off in the green group for a 2-3 month trial where they monitor your driving and work out an average from there.
Sorry for the long explanation but just thought it might be uselful to people out there that are struggling to find cheap insurance cause of their age, this i would say is a good option if you are willing to obide by the rules, its sucks but ya, but i will post feedback on them once everything is installed. Anyone else that has any information on them please pitch in.
