Most of us know what we pay for insurance every month. But how many of us know exactly what we’re paying for?
It’s easy to compare premiums when choosing car and home insurance. After all, the monthly cost is right there in black and white. What’s less obvious is how different two policies can be when something actually goes wrong. And that’s usually when the questions start.
Will I have a car to drive while mine is being repaired?
If your car is involved in an accident, getting it repaired is only part of the problem. You still need to get to work, collect the children and carry on with everyday life. Car hire can make a significant difference, but not all policies offer the same benefits or rental periods.For example, a typical car hire is 30 days. At IntegriSure, the car hire is 45 days, meaning your life stays undisrupted while we handle the repairs for you.
Will my insurance cover the full cost of replacing what I’ve lost?
The cost of replacing household contents, electronics and even vehicles can change over time. If your insured values haven’t kept pace, you could find yourself facing an unexpected shortfall when you claim and let’s face it, replacing a vehicle can be expensive. This is why IntegriSure offers retails value +5%, ensuring your next car matches your current needs.
What will I actually have to pay out of my own pocket?
An excess is the amount you’re responsible for when making a claim. Different types of claims can carry different excesses, and it’s worth understanding these before you need to claim. While excesses are a direct way to lower a premium, we highly recommend taking an excess waiver, so that when you’re in a tough situation, paying an excess isn’t a factor.
And what about the benefits I didn’t even know I had?
This is where insurance can offer more value than people realise.
For example, IntegriSure has negotiated enhanced benefits on the Old Mutual Insure personal insurance product available through us. These include Personal Legal Liability cover of R5 million, improved power surge protection and reduced tracking device requirements.These are benefits that could make a meaningful difference when the unexpected happens.
The best time to understand your insurance is before you need to claim.
At IntegriSure, we believe a good broker should help you understand what you’re covered for, where potential gaps might exist and whether you’re getting the right value from your policy. Because the last thing you want after something goes wrong is another surprise.
Want to know what your current insurance really offers? Speak to IntegriSure.
And remember, as a bsmart member, bundling your car and home insurance with IntegriSure could earn you 4% cash back annually.
Speak to IntegriSure
Visit our website to get a quote, or WhatsApp us on 0860 055 055.