Car Insurance – Insurance Quotes 24 https://insurancequotes24.co.za South African Insurance News, Tips and Articles To Help You Find The Best Insurance For Your Situation. Wed, 27 Oct 2021 10:58:01 +0000 en-US hourly 1 https://wordpress.org/?v=6.5.2 https://i0.wp.com/insurancequotes24.co.za/wp-content/uploads/2019/12/cropped-Insurance-Car-Insurance-Life-Insurance-Funeral-Cover-Insurance-QuotesCompareGuru-Logo-Cape-Town-South-Africa.png?fit=32%2C32&ssl=1 Car Insurance – Insurance Quotes 24 https://insurancequotes24.co.za 32 32 197928144 And The Car Of The Year Finalists Are… https://insurancequotes24.co.za/2018-car-year-finalists/?utm_source=rss&utm_medium=rss&utm_campaign=2018-car-year-finalists Sun, 15 Dec 2019 20:44:22 +0000 http://insurancequotes24.co.za//?p=1829 What car do you drive? Has it made it onto the Top 10 Car of the Year finalists list? We give you a breakdown of SA’s top vehicles.

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For the fifth month in a row, South Africa’s new car sales have increased by 4.6% year-on-year. The Ford Ranger was named as the best-selling vehicle of October 2017, with 2 855 units sold.

The South African Guild of Motoring Journalists (SAGMJ) have recently announced the 2018 WesBank South African Car of the Year (COTY) finalists.

We have all the details on the finalists and their current rankings.

Take a look…

Are you going to be buying one of the cars in the finals? Make sure it is covered and get affordable car insurance today.

 

SA’s Greatest Hits

Last month there was a whopping 51 037 new vehicles sold in South Africa.  This is an improvement from last year’s 48 782 sales. Do you want to know what the top-selling car brands for October were? Well we have you covered.

Car Brand Total Sales For October 2017
1. Toyota 12 312
2. Volkswagen 7 898
3. Ford 6 337
4. Nissan 4 858
5. Hyundai 3 464

Here are the most popular vehicles sold in October:

Vehicle Model Units Sold
1. Ford Ranger 2 855
2. VW Polo Vivo 2 851
3. Toyota Hilux 2 483
4. Toyota Corolla 2 135
5. Toyota Etios 2 059

Car Of The Year Finalists 2018

A 26-member jury sit together and deliberate which car will take the title for 2018.

The SAGMJ said, “while all finalist vehicles represent examples of outstanding automotive engineering, there can be only one winner. After careful deliberation by the COTY Jury, the vehicle range that best represents automotive excellence when compared to its segment peers, will be crowned the 2018 South African Car of the Year.”

Vehicles are judged on their quality, appeal, innovation and design. This competition is not judged on the number vehicles sold. If this was the case, a bakkie and a hatchback would be the only two competitors.

Here are the finalists who are competing…

Alfa Romeo Giulia

 

The Alfa Romeo falls under the Fiat Group and have sold 130 units of new vehicles last month. According to OEM’s September new car sales report, there was only three Guilias sold.

Positives Negatives
This is a beautiful, luxurious sedan that easily outdoes its rivals.  Although the exterior features are top- notch, some of the interior extras can be compared to their competitors.

Audi Q5

 

Last month, Audi , which falls under the Volkswagen group, sold 7 898 units. In September, there were 135 Audi Q5 units sold.

Positives Negatives
This vehicle does not only have a beautiful exterior, but long distance travelling is smooth and easy in this tank.  It’s really not the most affordable SUV in its class, once you add on all the trimmings.

BMW 5 Series

 

During the month of October, there were 1 341 units sold. According to OEM’s report however, there were 1 664 units sold the previous month.

Positives Negatives
This vehicle is equipped with a great engine and suspension, not to mention a great revamp of the iDrive system. The body is a typical BMW sedan which could easily be compared to other luxury sedans in its class.

Kia Picanto

 

In total, Kia dealership sold a total of 2 219 units during the month of October. The previous month, 970 Kia Picanto models were sold.

Positives Negatives
The Kia Picanto is a combination of a nippy hatchback and a classy ride with great ergonomics and infotainment. Other vehicles in its class, such as the Hyundai Grand i10 are equipped with better safety features.

 

 

 Save up to 35% on car insurance today

 

Land Rover Discovery

 

In September, there were 96 Land Rover Discovery vehicles sold nationwide. Last month, Land Rover sold 537 different vehicles.

Positives Negatives
The Land Rover Discovery handles the on-road and off-road really impressively. It really is just way too expensive. There are other comparable vehicles that are cheaper.

Peugeot 3008

 

The Peugeot group sold 73 units last month, with a total of 37 Peugeot 3008 units sold in September.

Positives Negatives
The Peugeot 3008 boasts a small capacity turbo-charged engine as well as a six speed- automatic transmission. Although the interior cabin is great, the roof is very low. If you are tall, the chances are that your head will hit the roof.

Porsche Panamera

 

Last month, the OEM reported recorded that the Porsche group sold 90 units.

Positives Negatives
The sheer size of this sports car is one of a kind. It can fit four people and has a big space for shopping bags and luggage. The vehicle is rather expensive and it lacks aesthetic appeal for its price.

Suzuki Ignis

 

Suzuki sold a total of 917 units last month, however in September, there were 118 units sold.

Positives Negatives
This is one of the most affordable off-road vehicles currently available. It has a really small engine for a car of its size, so if speed is what you are looking for, this isn’t the car.

Toyota C-HR

 

According to last month’s stats, Toyota was the best-selling vehicle manufacturer in the country. There were approximately 80 C-HRs sold in September.

Positives Negatives
This crossover vehicle is aesthetically bold and a great vehicle for weekend getaway trips. The boot space is quite small and this is a manual 1.2 turbo, however it takes a while to pick up speed.

Volvo S90

 

OEM’s report states that 124 Volvo units were sold last month. In September however, 17 S90 units were sold.

Positives Negatives
A sleek looking exterior and driving comfort at its best. The heavy body is equipped with an fuel emission reduction, however it is very heavy on fuel.

Who is on the top of your list?

 

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The Most Expensive Car Crash Reports Ever https://insurancequotes24.co.za/the-most-expensive-car-crash-reports-ever/?utm_source=rss&utm_medium=rss&utm_campaign=the-most-expensive-car-crash-reports-ever Sun, 15 Dec 2019 20:44:21 +0000 http://insurancequotes24.co.za//?p=1828 A car crash can be a devastating spectacle. We remind you why car insurance is important with some of the most expensive car crashes ever.

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Car crashes can be pretty pricey affairs, but ideally your car insurance is picking up the bill for your latest fender bender. If you’re feeling a little blue about the nicks and dents on your set of wheels, don’t worry, other people have experienced far worse damage to their (super)cars.

Chain smash in Japan

Chain crashes tend to be the most costly to society for obvious reasons, and there is nothing worse, financially at least, than a chain crash of expensive vehicles. In December 2011, a convoy of pricey sports cars collapsed like dominoes after the lead ferrari lost control of the vehicle. At the time, it was dubbed the world’s most expensive car crash as it involved a number of Ferraris.

car-insurance-quotes-ferrari-luxury

Final Tally: $4 million or plus-minus R59 million in today’s currency.

Other Ferrari mishaps

Local Ferrari smash: On Monday, 10 July, A durban man totalled his Ferrari and was fighting for his life in hospital You Magazine and News 24 reported. Paramedics arrived at the scene to find a yellow Ferrari had overturned according to Crisis Medical spokesperson Neil Powell. He said further investigation revealed a 52-year-old-man trapped inside the vehicle.

An American in Paris: American billionaire Christopher Cox damaged his ‘62 Ferrari GTO at a Ferrari rally in France in 2012. Only 38 of these vehicles were built, making this a rare piece of automotive excellence worth upwards of 30 million dollars (R441 million). Both Cox and his wife were medically treated for minor injuries after another rally vehicle rear-ended them causing the smash.

 

Football star’s extreme ‘curler’:  Cristiano Ronaldo crashed his Ferrari into a roadside barrier in Manchester in 2009, but then hitched a lift with fellow player and goalkeeper Edwin van der Sar in order to make it in time for training. The sport’s car was registered in his home country of Portugal and is part of a fleet owned by Ronaldo. No injuries were reported but the car damage amounted to 300 000 dollars or plus-minus R4.58 million.

car-insurance-quotes

China’s supercar fail

Another of Asia’s costliest car crashes to date happened just last year when a drunk-driver totalled his Koenigsegg Agera, and then proceeded to hide his head in shame behind his clothing until the tow-truck operator arrived hours later.

 

Final Tally3.5 million dollars or plus-minus R51.5 million

Expensive celeb crash in Britain

You wouldn’t suspect Rowan Atkinson of Mr Bean fame to be a petrol head, but that he is with his McLaren F1 supercar making over £7 million in profit from a recent sale.

 

Final Tally: 1,17 million dollars or plus-minus R17 million rand

In 2011, Atkinson escaped with an injured shoulder after crashing his McLaren into a tree and road sign, before it caught fire in Cambridgeshire, England according to CNBC.

 

 

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Pay Less For Fuel In March https://insurancequotes24.co.za/pay-less-for-fuel-in-march/?utm_source=rss&utm_medium=rss&utm_campaign=pay-less-for-fuel-in-march Sun, 15 Dec 2019 20:44:19 +0000 http://insurancequotes24.co.za//?p=1826 The rand dollar exchange is at its strongest since August 2015, which means fuel is going down in March for SA motorists.

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Commuters will breathe a sigh of a relief as a small decrease in fuel price is set for March 2017.

The Department of Energy announced the inland price of 95 octane petrol will fall by 8 cents. While the wholesale price of diesel will go down by 2 cents per litre.

The wholesale price of illuminating paraffin will decrease by 8 cents.

CLICK BELOW to read about how you can get cash back when you fill up with fuel.

The main reason for the drop in prices is because of a stronger rand against the US dollar. In fact, the last time the Rand/US Dollar traded at R12.95, was over a year and a half ago on 20 August 2015.

fuel, fuel prices, rand, dollar, petrol

Robert Maake, spokesperson for the Energy Department, said the stronger Rand, “cushioned the [fuel] prices by about 13 cents a litre”.

While any drop in fuel is welcomed, a looming increase in levies, such as the fuel levy (30 cents per litre) and the Road Accident Fund levy (9 cents) means motorists will have to face the good with the bad in the coming months.

CLICK BELOW to read the full summary of the annual South African budget speech 2017.

Fuel Prices For February And March 2017

Fuel February Official March Official
95 Petrol R13.62 R13.54
0.05% Diesel (wholesale) R11.62 R11.60

How To Save On Fuel

With the constant fluctuation of the fuel price, we are all looking at ways to save on fuel. Ryan Ravens, CEO of Accelerate CT spoke on  yesterday morning about alleviating traffic congestion in the morning, as well as reducing pollution by participating in a carpooling group.

“80% of cars coming into Cape Town are single occupant vehicles, and half of the people coming into the City are using private cars. If the App gets two people per car, we will halve the number of people coming into the City.”

UGoMyWay App

Accelerate CT tested a few carpooling apps and found that UGoMyWay, in their opinion, worked the best.

The app is free to download on IOS and Android.

The payment method, which can either be daily, weekly, or monthly, is incorporated into the app.

Ravens says people will save on fuel costs by using this app. It is helpful for students travelling to school and university, as well as office-bound people.

“If you are the only person in your car, you are the one at fault,” said Ravens.

CLICK BELOW to have our independent broker compare car insurance quotes across a variety of trusted providers and stand to save up to 30% on your monthly premium!

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What Are The Cheapest Cars To Insure In South Africa? https://insurancequotes24.co.za/what-are-the-cheapest-cars-to-insure-in-south-africa/?utm_source=rss&utm_medium=rss&utm_campaign=what-are-the-cheapest-cars-to-insure-in-south-africa Sun, 15 Dec 2019 20:44:18 +0000 http://insurancequotes24.co.za//?p=1825 Which cars will you pay lower insurance premiums on? We took a look at the cheapest cars to insure in the country.

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Let’s face it; we could all do with saving some cash these days. With inflation skyrocketing and tax increasing, we all could do with cutting back on some costs. In light of this, we thought we would have a look at which cars you will pay less insurance for in South Africa.

Insurance premiums are calculated on various factors, including your personal risk profile, as well as the car you are driving. Various considerations are made about the car when working out the premium. The age of the car, the engine size, what extras are added to the car, as well as whether there is a tracking system installed are all considered. There are, however, standard cars that you will simply pay less insurance for.

Reasons For Lower Premiums

Why would some cars have a lower premium than others? If you are taking the drivers profile out of the risk assessment completely, this is what would affect your premium:

  • Some cars are considered “sensible”. The cars in lower insurance ranges are those with low to mid speed engines, whose fuel consumption is average, and which is averagely priced. High-performance cars will never be considered for low insurance premiums.
  • The car is assembled locally. This drops the value of the car significantly and is seen as less of a risk.
  • Parts are cheaper and easier to find. Vehicles whose parts need to be sourced overseas, and which cost an arm and a leg, will face higher insurance premiums.

Which Cars Fall Into This Category?

Which cars are deemed sensible and considered for the lower premium? Interestingly, they are all standard makes like Toyota, VW, Honda, and Opels. All have low maintenance, are easily available, and are in the average price range. These cars include:

  • Volkswagen Polo
  • Volkswagen Golf
  • Toyota Yaris
  • Toyota Corolla
  • Opel Corsa
  • Toyota Tazz
  • Opel Cora Lite
  • Toyota Auris
  • Hyundai 110
  • Ford Figo
  • Ford Focus

Others in the low to mid range include the Honda Brio, Honda Jazz, Nissan Almera, and the Kia Rio. These can, however, be slightly more than the previous models, based on the driver profile.

What Are The Most Stolen Cars?

There are, however, certain models from the standard manufacturers that do not fall into the low premium category. These have higher premiums due to the fact that they are at a higher risk of being stolen or hijacked. This, therefore, increases the risk profile of the car and, in turn, increases the premium. These cars include:

  • Toyota Hilux
  • Toyota Venture
  • Isuzu KB280
  • Mitsubishi Colt
  • Nissan Hardbody
  • Nissan 1400 bakkie
  • Isuzu KB250
  • Toyota Quantum
  • Volkswagen CitiGolf

 

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The Comprehensive Guide To Buying a Car: Part One https://insurancequotes24.co.za/the-comprehensive-guide-to-buying-a-car-part-one/?utm_source=rss&utm_medium=rss&utm_campaign=the-comprehensive-guide-to-buying-a-car-part-one Sun, 15 Dec 2019 20:44:16 +0000 http://insurancequotes24.co.za//?p=1823 You are about to leap into buying a new car. Part one looks at everything you need to know about deciding on what car to buy.

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Buying a car is one of the most important financial steps of your life. A car will usually be in your life for the next four to six years, depending on what contract you sign. Choosing the right car can be the difference between four years of blissful driving, or four years of heartbreaking costs. Make sure that you have everything you need before going in and signing your life away for a vehicle.

NEW to CompareGuru? CLICK BELOW To Compare Car Insurance In 60 Seconds

How To Decide What Car To Buy

Consider Your Lifestyle

  • Will you be driving the car daily into work in the city and back home?
  • Are you part of the daily stop-start traffic of the city?
  • Will you regularly only be transporting yourself or do you have a family?
  • Will the car need to be doing any heavy transport of goods?
  • Where will you regularly be parking the car?
  • Can you get away with buying a small, fuel-efficient car that you can park basically anywhere, or are you more interested in speed?
  • Also, take into consideration your personality. This car will be in your life for the next five or so years and you need to look forward to driving it every single day.

Budget

  • What is really important to consider here is knowing what long-term financial obligations you can meet. A lot can happen in five years, and you will need to honour these payments.
  • Should you become unemployed over the period, you will need to be covering the installments in order to keep the car and not be blacklisted.
  • You will also need to consider other monthly expenses that come with a car. Costs like: insurance, maintenance, petrol, and unforeseen expenses.
  • Work out your budget beforehand to know how much you can easily cover per month.

Do Your Research

Do not just walk into a dealership hoping for the perfect car to leap out at you. Spend some time on the internet familiarising yourself with the average costs of the car you are looking at.

  • Use online calculators to work out the average instalments of the vehicle you are interested in.
  • Make a list of the makes and models that most appeal to you and use comparative tools to see the pros and cons of each.
  • Make sure you know what the maintenance costs would be of each car. French cars are notoriously more expensive to maintain compared to others.
  • Know what extras you are looking for and what each car has. Are you looking for power steering, electric windows, automatic, sport, EBC brakes, etc?
  • Know what years you would be looking for in a car. If you are going for a second-hand car, keep in mind that the older the car, the more expensive the maintenance will be.

Next up: Viewing The Car.

NEW to CompareGuru? CLICK BELOW To Compare Car Insurance In 60 Seconds

Compare SA’s Leading Insurance Brands Side-by-Side Here. 

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Could You Be Blacklisted For Not Paying Your E-Toll Bill? https://insurancequotes24.co.za/blacklisted-not-paying-e-toll-bill/?utm_source=rss&utm_medium=rss&utm_campaign=blacklisted-not-paying-e-toll-bill Sun, 15 Dec 2019 20:44:11 +0000 http://insurancequotes24.co.za//?p=1818 A Gauteng motorist recently applied for credit, only to discover that he had been blacklisted for R60 000 in unpaid e-toll fees. Can we really be blacklisted for refusing to pay our e-toll bills? We took a closer look...

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E-toll-Car-Insurance-cars-insurance-cape-town-south-africa
Gantry ..Toll Roads …..Various locations of toll Road Gantries …4 August 2011 …pics Russell Roberts

We recently reported on the Department of Transport’s daft decision to transfer R5.7 billion from its medium-term budget to Sanral, in order to cover the rising debt incurred due to the non-payment of e-tolls.

We could smell this fiasco coming a mile away.

In November of 2018, we also released an article covering the potential impact of e-toll non-payment, and one of the downsides we listed was that Sanral would soon run out of money – having already taken R1.6 billion out of its road maintenance budget to cover e-toll shortfalls.

The public was rightfully disgusted; and the sentiment was clear: If we don’t pay our e-toll fees, the roads, the taxes and the Treasury will pay them for us.

The e-tolls have been doomed to fail from the start, but it has become glaringly evident that the government will refuse to admit its mistake, and continue to funnel money into the disastrous project – instead of putting it to better use.

Now, the ETC (Electronic Toll Collection Company – charged with the collection of e-toll fees in South Africa) has reportedly said that e-toll users face being blacklisted if they fail to respond to demand letters and summonses to court over unpaid e-toll bills.

Sanral is expected to use this method to intimidate motorists into paying up the billions of rands currently owed in e-toll fees.

Could you really get blacklisted for refusing to pay the e-tolls? Let’s take a look.

E-Tolls Receive R5.6 Billion Bailout

Could You Be Blacklisted For Not Paying Your E-Tolls?

According to a report by IOL, one unfortunate Gauteng motorist recently applied for credit facilities, only to discover that he had been blacklisted for owing R60 000 in e-toll fees.

EWN has reported that the ETC issues between 2000 and 4000 summonses per month, and has also applied for 1400 default judgments (that arise when a debtor does not respond to or defend a summons) against motorists, which, if granted, could lead to them being automatically blacklisted.

Former e-toll protestor and now the-man-in-charge of the ETC, Coenie Vermaak, reportedly told EWN that these motorists would have received sufficient notice to settle their e-toll bills, first via SMS, then a letter of demand, and if ignored, followed by a summons. After this, the ETC applies to the court for default judgment.

Unfortunately, there isn’t much a person can do once a default judgment has been granted against them.

Civil society group, Outa (Organisation Undoing Tax Abuse), has warned South African motorists who ignore their e-toll bills that they could indeed face severe consequences. Credit ratings could suffer, therefore making it almost impossible to obtain credit facilities, sign a lease, etc.

Outa’s Transport Portfolio Manager, Rudie Heyneke, said that in the organisation’s opinion, Sanral is waging a dangerous war against the citizens of South Africa, adding:

” We have seen instances where these default judgments were obtained for debt that had already prescribed. ”

Heyneke said that these default judgments were especially problematic when obtained against motorists for vehicles that did not belong to them, and who have had their registration plates cloned – a growing problem in Gauteng.

Therefore, it’s important not to ignore these summonses, and fast action will need to be taken. It’s also noteworthy that the state is under no obligation to inform motorists once a default judgment has been made, and may only find out – like the aforementioned unfortunate Gauteng motorist – when they apply for credit or a loan.

” They can contact Outa’s offices for guidance on how to address the matter. By not responding to a summons, motorists open themselves up to default judgments and further legal actions that arise from this ”

The Credit Bureau Responds

In response to these claims, the Credit Bureau Association has said that the aforementioned blacklisting of the Gauteng motorist was likely an error.

According to the CBA, the Transport Laws and Related Matters Amendment Act, 2013, which amended the South African National Roads Agency Limited and National Roads Act, 1998, specifically excludes the levying and collecting of e-tolls from the provisions of the National Credit Act, 2005.

” Credit bureaus receive, hold, display and remove consumer information in accordance with the provisions of the NCA and accordingly are not able to hold information which is specifically excluded from the provisions of the NCA. ”

The group (representing Compuscan, Consumer Profile Bureau, Experion, TransUnion, Vericred and Xpert Decision Systems) added that it would like to inform consumers that all information relating to e-tolls and Sanral will not be held on the credit bureaus, and that any such information that has inadvertently been loaded onto profiles will be removed.

It is clear that Sanral and the ETC are going after motorists with everything they can. Perhaps, even, deceitful scare tactics to intimidate Gauteng motorists into paying for the foundering e-toll scheme which nobody wanted, nobody agreed on, and is plainly designed to further fatten the pockets of the government.

If you are aware that any information related to the e-toll fiasco, or Sanral, has been loaded onto your consumer profile, don’t panic, and contact one of the credit bureaus to lodge an immediate dispute.

You can contact Outa’s offices for guidance here.

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Put Foot Rally Promises An African Adventure https://insurancequotes24.co.za/put-foot-rally-promises-african-adventure/?utm_source=rss&utm_medium=rss&utm_campaign=put-foot-rally-promises-african-adventure Sun, 15 Dec 2019 20:44:09 +0000 http://insurancequotes24.co.za//?p=1816 Wake up the old cabby and get ready for an African adventure in the name of charity. The Put Foot Rally 2018 will connect you with your car.

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Between June 17 until July 4 2018, adventurers from all around the world will embark on an exciting trip through Africa.

The Put Foot Rally is a motor vehicle rally that leads participants through five countries in just 18 days!

Throughout the adventure, participants stop off at five checkpoints in each country. This is aimed at providing them with a full on African cultural experience.

So Where Do You Travel? 

So Where Do You Travel - Put Foot Rally Promises An African Adventure

A total of over 8 000km’s is covered during the trip. Participants are required to decide on their own route between check points; as long as they get there.

This is not a race so it doesn’t matter whether you come in first or last place. It is all about getting to the checkpoint so that you can celebrate with the rest of the crews.

The upcoming rally currently has over 120 crews that will be participating in the event.

The Put Foot Rally 2018 travels through the following countries:

  • South Africa (start);
  • Namibia;
  • Zambia;
  • Malawi;
  • Mozambique (finish).

Will you be travelling across the continent? Make sure you have full comprehensive cover!

What Is It In Support Of? 

Not only is the rally an experience of a lifetime, but the project is in aid of collecting charity.

The Put Foot Foundation is the official charity that the rally supports. The foundation aims at providing school shoes for children in townships throughout Africa.

Put Foot Foundation - Put Foot Rally Promises An African Adventure

Not only does the Put Foot Foundation provide help for school children, but they also assist in the conservation of endangered animals, such as rhino, elephant, lion and leopard.

Throughout the journey, crews are required to perform charity in the poorer regions of each country. They can gather donations from people throughout the trip and donate this to various places along the route.

All participants are required to provide a minimum entry donation of $50 (R750) to the Put Foot Foundation.

In just three years, the Put Foot Foundation has donated 15 000 pairs of shoes and over $60 000 to charity.

This year, the aim would be to raise $10 000 which is equivalent to 600 pairs of shoes.

 

600 Pairs of Shoes- Put Foot Rally Promises An African Adventure

Who Can Participate? 

Anyone. As long as you are over the age of 18, unless you are accompanied by an adult, you can join. If you are going to be driving, you need a valid drivers license as well as your own vehicle.

The more adventurous the vehicle, the more fun you might have. As long as your vehicle is roadworthy and not falling apart!

There are various levels of entry, depending on the type of car you are driving.

The price variations are as follows:

  • Vintage – $99;
  • Normal Car – $129;
  • SUV/ 4X4 – $149;
  • Bike – $69.

There will be increment price increases, so its best to jump on board as soon as you get a team together.

Once you have registered your vehicle, you need to register all the members in your crew.

Here is the price list:

  • Adult – $375;
  • Child – $280;
  • Infant(less than 8 days old) – $200.

Get affordable car insurance for your travels! Get a quote here!

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So How Much Money Will I Need? 

The Put Foot Rally organizers have compiled a rough draft of how much money you should save in order to take part in the rally.

Here is a breakdown of all your expenses as per the website:

Expenses: Price:
Entry Fee R6 000
Petrol R9 000
Accommodation R75- 750 per person/day
Food and Drink R75 – R300 per person/day
Border and Vehicle Insurance R6 000

 

Sound like a jol? Want to find out more? Check out the Put Foot Rally website.

Here’s a little video to get you excited!

 

 

 

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Buying Old or Damaged Cars https://insurancequotes24.co.za/buying-financing-cheap-old-damaged-cars/?utm_source=rss&utm_medium=rss&utm_campaign=buying-financing-cheap-old-damaged-cars Sun, 15 Dec 2019 20:44:07 +0000 http://insurancequotes24.co.za//?p=1814 It can be a big risk to buy damaged cars, but equally you can pick up a gem. We provide you with the need to know before making a commitment.

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Buying a rebuilt vehicle can save you a great deal of money, but it can equally prove to be a costly mistake. Therefore, before you even consider buying and financing a previously damaged car, you need to know a few things.

Buying Old Cars - Buying Old or Damaged Cars

Understand the accident codes

The four life cycle status codes for a motor vehicle on eNaTiS are:

  1. Code 1 – New motor vehicles delivered by a dealer to the first owner.
  2. Code 2 – Second hand used motor vehicles with one or more previous owners.
  3. Code 3 – Built up/permanently unfit for use. Code 3 motor vehicles are Code 1 or 2 motor vehicles involved in an incident, and subsequently being declared unfit for use as a motor vehicle until they are repaired.
  4. Code 4 – Permanently demolished cars.  

Know where to learn about the car’s history

You’re not going to marry someone unless you know a little bit about their relationship history. The same goes for a car purchase. The best place to find out about your car’s history is to insist upon seeing the vehicle registration certificate according to Auto Advice. This certificate will also allow you to check the vehicle code.

This is not the same as the license receipt which we all receive annually when we renew our license disks. The registration certificate carries the words: Respect of Registration of Motor Vehicle. Always insist on seeing the original green cheque-book paper document before you buy a code 2 or 3 vehicle.

People are often misled into thinking the car is newer than it really is. Therefore, ensure that the seller is being upfront about the number of previous owners by looking for the last few registration numbers in the middle of the page. Three listed numbers means three previous owners.

Financing the vehicle

Ideally, you don’t want to take out a personal loan or finance the car on a credit card. If you decided to go for a code 3 vehicle and arrange rebuilding it yourself, you’ll have the option to bid for the vehicle in an auction. In other words, you are going to need to have the cash in your budget readily available.

Some loan companies specialise in finance for older vehicles but these might incur loan-shark-like high interest. Therefore, it is best to find out from the larger banks what their particular policy is on motor finance. Many will finance a large part of a vehicle of up to 8 year’s old. They will probably require a deposit.

It is never easy buying a car with a history. But if you know what you are doing, it could save you a great deal of money.

 

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The Battle Of The Sexes With Car Insurance https://insurancequotes24.co.za/battle-sexes-car-insurance/?utm_source=rss&utm_medium=rss&utm_campaign=battle-sexes-car-insurance Sun, 15 Dec 2019 20:43:59 +0000 http://insurancequotes24.co.za//?p=1807 Car insurance rates have been proven to differ from men to women. We look into the reasons why as well as what you can do about it!

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Car insurance rates have been proven to differ from men to women. It seems women sometimes receive far cheaper premiums for the same stats – why?

The Statistics When It Comes to Men and Women’s Car Insurance

 

According to numerous studies, the reason why women pay less for car insurance is often phrased incorrectly. Instead of saying women are better drivers we should say they are safer and more responsible.

What Causes a Man’s Premium to be Higher?

  • The type of cars typically driven by men
  • The frequency of accidents
  • Risky driving behaviour
  • The fact that men, apparently, drive further on a daily basis, on average

car insurance

What Causes Women’s Premiums to be Lower?

  • Less likely to get into accidents
  • Less likely to commit violations such as speeding and driving under the influence
  • On average, drive shorter distances – less time on the road means less risk

How Can Men Lower Their Car Insurance Premiums?

Gender is not the only factor brought into account when calculating your car insurance premium. There are other factors you can consider to lower your premium, many of which you actually have control over:

  1. Age – as is known, younger, less experienced drivers have higher insurance premiums. This usually drops after you turn 25, but is dependent on your individual insurance provider.
  2. Occupation – if you are on the road for most of the day, for your job, you are considered more of a risk. More time on the road means an increased likelihood of a car accident.
  3. Where you live – is your car parked behind a locked gate? What is the crime rate and population in your neighbourhood? Insurance providers want to know the likelihood of your car getting stolen or into an accident.
  4. Married – a second pair of eyes on the road never hurt anyone and insurance providers recognise this.
  5. Credit score – your spending habits will be taken into account as well as your ability to pay your bills on time. The lower your credit score, the higher your car insurance premiums.

Get Your Insurance Policies Reviewed

If you feel you are being unfairly charged for a premium, you could apply for the service of an insurance broker who will show you where you could possibly eliminate costs.

Risk Benefits Solution (RBS), an insurance broker, recently conducted a study on the fluctuations in price across insurance providers for the same person with the same car. According to the report, a 2015 Volkswagen Polo 1.4 Trendline belonging to a young male under the age of 24 in Cape Town had more than a 50% markup from the least to the most expensive quote.

Can you imagine paying more to insure your car simply because you didn’t shop around? Don’t imagine, you could very well be doing this already. Be sure to CLICK BELOW and have our FSB-approved broker contact you to help you find a more affordable car insurance policy!

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A Guide To Troubleshooting Your Broken Down Car https://insurancequotes24.co.za/guide-troubleshooting-brokendown-car/?utm_source=rss&utm_medium=rss&utm_campaign=guide-troubleshooting-brokendown-car Sun, 15 Dec 2019 20:43:54 +0000 http://insurancequotes24.co.za//?p=1802 Your car has just shuddered to a halt, now what?. Here is the ultimate troubleshooting guide to solving your car’s problems.

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You have just hit the highway, pushed your car up to 120kms/hr and suddenly, nothing. Your car jerks to a sudden and unexpected stop, or you slowly glide to a stop on the shoulder of the road. Make sure you get your emergency lights on immediately, find a safe spot to stop and get out of the car. Your safest option is going to be out of the car should someone hit it. Now, it’s time to try and determine what could be the cause of the breakdown.

CLICK BELOW to read about the essentials you should have in your car in case of a breakdown.

Essentials You Should Have In Car - A Guide To Troubleshooting Your Broken Down Car

 

A Guide To Troubleshooting Your Broken Down Car

This guide makes troubleshooting your problems a bit easier and prepares you in case you ever find yourself in the situation mentioned above.

A Guide To Troubleshooting Your Broken Down Car

 

“My Car Jerked And Stopped”

This could be due to fouled spark plugs, clogged fuel lines, or fuel filter, or the main computer simply not operating. The best way to ascertain what could be the problem is by checking the lights on your dash. You never know, maybe you simply forgot to put in petrol and your car has finally run out of juice.

“I Feel Like I’m Not In Control Of My Car”

If there is a loud droning noise accompanying this, you could have a flat tyre. It happens to all of us. You hop into the car and, for some reason, it feels like you cannot steer the car. A flat tyre also makes a loud droning noise while driving and you feel like you cannot accelerate.

CLICK here to read a comprehensive guide on how to change a tyre.

How To Change a Tyre - A Guide To Troubleshooting Your Broken Down Car

 

“There Is Steam Pouring Out Of Your Bonnet”

This is definitely a sign that your car is overheating. There are several ways to diagnose this problem. Steam, or water vapour, will be pouring out of the front of the car. It is quite easy to differentiate the difference between steam and smoke, so don’t panic. Also, check the needle on your temperature gauge. Another sign might be an unusual smell coming from the engine. Overheating can be caused by various things including; late timing, a plugged radiator, slipping accessory belt, collapsing bottom radiator hose, low oil levels, or low water levels.

“Okay, This Is Definitely Smoke”

Not only does this happen to Ford Kuga’s, it can happen to other cars too. We strongly recommend that you get out of the car as soon as possible. There are two types of smoke to look out for.

Blue smoke: This is mostly caused by oil leaking within the engine, which is being burned along with the fuel. This is highly dangerous. Turn your car off immediately and seek professional help. You will most like need to have worn and damaged seals repaired.

White smoke: Instead of oil getting into the fuel supply, water condensation or antifreeze is the guilty party. If the white smoke is coming out of the front of the car, it does mean that the problem has existed for a while, and you might not have noticed the smoke coming out of the tailpipe.

“There Is a Tapping Or Popping Noise”

Cars mostly make noises that you don’t need to be concerned about. Do pay attention, however, if it is new and persists. If there are sharp, popping noises, for example, it could most likely be the detonation taking place within the engine’s cylinders. Gasoline igniting prematurely in the combustion chamber of the cylinders could be the cause. This can potentially result in expensive piston damage. So, make sure you listen out for this. You can never be too careful. If your car is making any other noise, we found a handy website for you. It is a comprehensive list of recordings of unusual car noises to diagnose what your problem could be.

CLICK here to compare car insurance across a variety of trusted providers and find the one best suited to your lifestyle!

Compare Car Insurance - A Guide To Troubleshooting Your Broken Down Car

 

“There Is a Heavy Smell Of Rubber Burning”

If you haven’t been doing any street-racing or doughnuts in a parking lot recently, there could be other reasons for this. Once again, this could be pinned down to drive belts, or accessory belts, around the engine. They could be damaged, loose, or worn out, or it could mean that a rubber hose is touching something hot. If this happens, it could result in the pipe melting and, whatever fluid it’s carrying, being shot all over the engine.

“My Lights Keep Dimming”

If you feel like your lights are unusually dimmed, or you are having problems starting your car, it could be the alternator. This is mostly an inexpensive problem to fix, so make sure you do it before you get in any serious trouble.

“The Car Is Just Not Starting”

If the battery is fine, this could be your starter motor. The starter motor drives air and fuel into the cylinders to kick-start the car. If this is failing, you are just not going anywhere. Getting a starter motor replaced is not too tricky and you should be sorted out quickly.

The Car Is Just Not Starting - A Guide To Troubleshooting Your Broken Down Car

 

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