Motor And Household Insurance
Motor And Household Insurance
It took you a long time to build the lifestyle you enjoy today. Protect your household contents as well as your vehicle with a comprehensive motor and household insurance policy. This insurance product can protect the contents of your household and your car from loss or damage caused by theft, natural disasters, and malicious damage. Meanwhile, this type of insurance also covers various costs around repairs to your car, such as cover for a courtesy car, emergency repairs, and various forms of liability cover.
Benefits of Motor and Household Insurance
- You can count on being covered for accidental loss or damage to your vehicle, which is caused by fire or theft as well as any resulting liability to third parties.
- You can expect to be covered if you need to replace or repair your household possessions because of damage or theft.
- Get cover against loss or damage to household contents directly caused by the following events:
- Fire, lightening, or explosion.
- Storm, wind, water, hail, snow, or flood.
- Overflowing water apparatus or oil leaks.
- Impact from falling trees, motor vehicles, aircraft, and animals.
- Malicious damage.
- Theft or attempted theft.
- Get cover for accidental loss or damage to your vehicle from any accidental cause. This aspect of your policy covers:
- Courtesy cars.
- Delivery after repairs.
- Emergency hotel expenses.
- Emergency repairs.
- Keys, locks, and remote-controlled units.
- Medical expenses.
- Factory-fitted sound equipment.
- Towing and storage after an accident or attempted theft.
- Towing after a breakdown.
- Trauma counselling.
- Liability cover for towing a trailer or caravan.
- Liability cover when other people are using your motor vehicle.
- Liability cover when you are the driver of a private motor vehicle that does not belong to you.
Frequently Asked Questions Around Motor And Household Insurance
Thanks to a large body of evidence that says driving risk reduces with age, insurance companies reserve the right to charge premiums according to a sliding scale. According to this scale, an 18-year old would have to pay the highest premium, which would decrease over the years.
Again, this is an insurance standard that is backed by a lot of research, which indicates that married or cohabitating policyholders pose a lower risk than single or divorced individuals. This could be because single people are more likely to go out, be on the road, and leave their residents empty more often.
No. An insurance policy will only protect one property at a time. This is due to different addresses presenting different risks. Since your premiums are calculated according to the risk associated with the person or asset being insured, a household insurance policy would mean different premiums on each household.
Depending on your insurance provider, you may have the option to use a service provider of your choice. However, the insurance provider might insist you rather make use of a supplier on their panel. This is to help your insurance provider to monitor the quality of the repairers they work with.