Frequently Asked Questions
Property & Casualty Faq's (11)
No. The value for comprehensive insurance is the replacement value of a similar make, model and year of vehicle.
There is no age limit; however we normally request medical certification for drivers over the age of 65.
“Open” coverage permits anyone authorized by the owner/insured to drive a vehicle providing they meet the criteria, while “Restricted” refers to having named drivers.
The no claims discount refers to a deduction from the motor insurance premium for being accident free.
Third party insurance is the most basic insurance coverage that is required under the law. Comprehensive insurance provides compensation for damage to your own vehicle, in addition to the third party damage.
An excess, also known as a deductible, is the first part of any loss which must be borne by the insured.
Yes, in many forms. We donate to and sponsor many social development programs such as educational, sporting and cultural activities.
Our premiums are NOT considered high when compared with our competitors. It should be noted, most insurers are guided in their rates and benefits by their reinsurers.
Yes, depending on the policy type
it is now a statutory requirement; i.e. Law of the Land