Elderly Drivers
People between the age of 50 and 65 years are less likely to drive aggressively or too fast. That’s the reason why certain insurance companies may offer discounts to drivers in this age bracket.
Road Rage
Increasingly crowded roads and traffic congestion cause many drivers to lose control and become extremely aggressive.
If you encounter aggressive drivers:
- do not challenge them.
- stay as far away as possible.
- you may want to take down their licence plate number and report their behaviour to the police so they will not hurt themselves or someone else.
Drink Driving
Drink driving convictions are taken very seriously by insurers. Most motor insurance policies will not cover damage or liability caused in an accident where the driver was under the influence of alcohol, drugs or any other illegal substance. As a result, damage to one’s vehicle will not be recoverable and an insurer will be able to recover from the insured any amounts paid as compensation for damage or injuries caused to third parties in such circumstances. Besides this, convicted drivers returning to the roads may face difficulty in obtaining an insurance cover or else may be required by the insurance company to pay higher premium
Questions to Ask Your Insurance representative about Motor insurance
To give you some more help, here are some basic questions you should ask your insurance intermediary before you buy your motor insurance. Please note, the questions provided are very general; so we advise that you also ask your insurance representative questions that are specific to your policy.
- What type of insurance policy do I need?
- The market value of my vehicle is not on the Guidebook. How should I establish the value for my vehicle?
- If I am involved in an accident tomorrow, what kind of cover can I expect from my motor insurance policy?
- What discounts/additional costs apply in my case? How can I reduce my premium?
- What optional cover is available?
- I drive an old car. Do I need comprehensive cover?
- Who is covered in my car policy?
- What is my excess? Do you recommend my increasing it?
- Can I reduce my premium by choosing a larger excess?
- Would I be able to hire a car while my car is being repaired following an accident?
- I have changed my insurer. Does this mean I will lose my No Claims Discount?
- How can I protect my No Claims Discount?
- What service should I expect if I am insured on a Third Party Only or Third Party Fire and Theft basis?
- I use my car only for a Sunday drive. Does this affect my motor insurance?
- I am buying a new car. Will the type of car I choose affect my insurance rates?
- Does it make a difference as to what insurance I should get if I buy a new car or a second hand one?
- What insurance companies did you contact on my behalf?
DO NOT TRY TO REDUCE YOUR PREMIUM BY GIVING INCORRECT OR INACCURATE INFORMATION TO YOUR INSURANCE COMPANY OR INSURANCE BROKER BY CONCEALING PREVIOUS ACCIDENTS.
IF YOU DO SO, YOUR INSURER MAY REFUSE TO PAY FOR YOUR CLAIM
