CaffeinePirate
Well-Known Member
2007 Renault Clio
22 years old
R 880 per month excess R3000
22 years old
R 880 per month excess R3000
-
Join the MyBroadband community
South Africa’s biggest forum. Discuss, discover, and connect with thousands of members.
-
Question of the Day: Will you be subscribing to the new Disney+ R49 streaming package?
Vehicle Insurance,
- Thread starter Lukcydog
- Start date
I'm in my 30s
2013 Model
R410,000 or replacement in First year
Up to R182,000 credit shortfall if applicable
No Excess
30 Day rental car
R822 per month
Alexander Forbes
I also have an i10 as a runaround which costs R400/month, and a Golf 5 TDI in Cape Town (an old company car I kept) for when I visit there, and its R280/month.
The key is to insist they send all quotes to their retention departments at least once every 6 months. Provided you don't claim (and I haven't), your premiums will keep going down.
2013 Model
R410,000 or replacement in First year
Up to R182,000 credit shortfall if applicable
No Excess
30 Day rental car
R822 per month
Alexander Forbes
I also have an i10 as a runaround which costs R400/month, and a Golf 5 TDI in Cape Town (an old company car I kept) for when I visit there, and its R280/month.
The key is to insist they send all quotes to their retention departments at least once every 6 months. Provided you don't claim (and I haven't), your premiums will keep going down.
mr_norris
Expert Member
- Make: Kia
- Model: Rio Tec 5 door
- Year: 2013
- Insured up to R210 000, with credit shortfall
- Age: 28
- R712, no excess
Perhaps a section for coverage, as in:
- Coverage: Comprehensive
Just a thought
- Model: Rio Tec 5 door
- Year: 2013
- Insured up to R210 000, with credit shortfall
- Age: 28
- R712, no excess
Perhaps a section for coverage, as in:
- Coverage: Comprehensive
Just a thought
Last edited:
Kosmik
Honorary Master
Hmm can't serperate mine but
2009 Corolla D4D Exclusive
R2750 excess
Car rental, call outs etc
Tracking
2010 Hyundai i20
R2750 excess
Car Retal, callouts etc
Tracking
And Household contents R260k
Total Insurance premium - R1510 Full comphrehensive
2009 Corolla D4D Exclusive
R2750 excess
Car rental, call outs etc
Tracking
2010 Hyundai i20
R2750 excess
Car Retal, callouts etc
Tracking
And Household contents R260k
Total Insurance premium - R1510 Full comphrehensive
SauRoNZA
Honorary Master
Bloody hell.
I pay about R400 for my 2008/9 Golf V GTI which is about the same value and that's without any excess.
SauRoNZA
Honorary Master
I know I pay a lot
- Opel
- Astra 2.0 T
- Year 2007
- Insurance Premium and excess if it applies (Premium with tracker R1280 Excess R3800)
- Value R115000
I'm 25
Who is that insured with? Sounds like an Outsurance rip off.
If so go to a broker.
Goliath
Expert Member
- Hyundai Getz
- Getz 1.4 HS
- 2007 (bought in 2010)
- Age is 30
- R432pm no excess etc for comprehensive coverage, worth every penny cause I've had some bad luck, think the claims I had I still need to pay till 2020 this amount per month just to let them break even with me!
Must add I've been with this insurance since 2004 so does make a difference I think..
- Getz 1.4 HS
- 2007 (bought in 2010)
- Age is 30
- R432pm no excess etc for comprehensive coverage, worth every penny cause I've had some bad luck, think the claims I had I still need to pay till 2020 this amount per month just to let them break even with me!
Must add I've been with this insurance since 2004 so does make a difference I think..
Mercedes
C350 cdi
2011
R370k
46
No excess
Ford
Fiesta
2007
45k
2500 excess (son in principle driver)
Ford
Fiesta
2013
165k
46
No excess
Daewoo
Matiz
1999
20k
2500 excess (sons' girlfriend is principle driver)
Brokered own deal through Santam. Includes household items and specified items.
C350 cdi
2011
R370k
46
No excess
Ford
Fiesta
2007
45k
2500 excess (son in principle driver)
Ford
Fiesta
2013
165k
46
No excess
Daewoo
Matiz
1999
20k
2500 excess (sons' girlfriend is principle driver)
Brokered own deal through Santam. Includes household items and specified items.
anonymous815
Active Member
- Joined
- May 23, 2011
- Messages
- 80
- Reaction score
- 0
2007 jazz
26 yrs old
Insured value around R70k
Premium is around R900 incl tracker and R1500 excess
Hmmm seems a bit high in comparisom .. Should probably look around. Any recommendations for brokers? Thanks
26 yrs old
Insured value around R70k
Premium is around R900 incl tracker and R1500 excess
Hmmm seems a bit high in comparisom .. Should probably look around. Any recommendations for brokers? Thanks
2001 Mazda Drifter Double Cab 4x4,
Value of insurance R70k
Premium : R280
Pity I can't replace the car for what insurance thinks its worth though.... a similar model will hit me down for R100k at the second hand dealers (if I can find one before it gets sold of course)
Get the Opel fan to sell it for you, R200k minimum for this sale.
Ok, my turn
Ferrari F40
19
R250 p/m
No excess
You got trolled. The idea of this thread is to make up ridiculously tiny amounts, not to actually be honest or realistic.
Ferrari F40
19
R250 p/m
No excess
You got trolled. The idea of this thread is to make up ridiculously tiny amounts, not to actually be honest or realistic.
grim
Expert Member
Make: VW
Model: Golf 6 TSI
Year: 2011
Insured for: R220 000
Excess: R2500
Age: 29
Premium: R680
Model: Golf 6 TSI
Year: 2011
Insured for: R220 000
Excess: R2500
Age: 29
Premium: R680
Make : chev
Model : cruze lt
Year : 2012
Insured for : R189 000
Age : 28
R380 monthly no excess includes road assistance, swiftcare, avis hired car in case of accident.
All through my employers group scheme, work for one of South Africa's biggest financial institutions.
Model : cruze lt
Year : 2012
Insured for : R189 000
Age : 28
R380 monthly no excess includes road assistance, swiftcare, avis hired car in case of accident.
All through my employers group scheme, work for one of South Africa's biggest financial institutions.
Brenden_E
Executive Member
Damn that is high! I pay R200 less for a car that costs 6x more :\
With outsurance. Never been in an accident or claimed though (29).
anonymous815
Active Member
- Joined
- May 23, 2011
- Messages
- 80
- Reaction score
- 0
That sucks.. For me haha did you go through a broker? Or just an amazing negotiator? I'm also with OUTsurance.. -_-
Kosmik
Honorary Master
Always found outsurance to be ridiculously expensive.
grim
Expert Member
Them and all of these go direct insurance scammers, I'm paying half of what Outsurance quoted me
Shah33m
Expert Member
2010 Hyundai Getz
25 years of age
Insured for R80k
Excess at R2500
R592pm through a broker
25 years of age
Insured for R80k
Excess at R2500
R592pm through a broker
Hemi300c
Honorary Master
I have noticed that there are a few vehicles which seem way over insured and you are wasting your money.
1) Ensure your value is correct in accordance with your policy
1a) Could be retail + trade / 2
1b) Could be reasonable market value
2) Ensure all extras are noted on the policy ie:- towbar
2a) Ensure if separate excess applies to extras or if you vehicle excess applies
2b) Ask for quotes for extras under All Risks and Motor section because the rates and excess's could vary vastly and under the motor section the value depreciates with the vehicle (1 above would apply), All Risks is new replacement.
Just a quick tip or two
1) Ensure your value is correct in accordance with your policy
1a) Could be retail + trade / 2
1b) Could be reasonable market value
2) Ensure all extras are noted on the policy ie:- towbar
2a) Ensure if separate excess applies to extras or if you vehicle excess applies
2b) Ask for quotes for extras under All Risks and Motor section because the rates and excess's could vary vastly and under the motor section the value depreciates with the vehicle (1 above would apply), All Risks is new replacement.
Just a quick tip or two