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We are all on the lookout for ways to stretch our Rands and often look to insurance first to make budget cuts. However, be careful of choosing car and home insurance solely on price as cheaper is not always better.
Here are the factors to consider when choosing a short-term insurance provider.
3 questions to ask before choosing a cheaper short-term insurance provider:
Insurance to suit your pocket and needs
Your insurer should be able to structure and adjust your policy according to your needs. This means that you must be able to actively manage your cover and have the flexibility to change it whenever the need arises. If you for instance decide to remove additional cover from your policy so that it better suits your circumstances or decide to increase your excess to see how much it could lower your monthly premium, you should be able to do so.
There is a reason why claims are often called the moment of truth
You should be able to rely on your short-term insurer for a positive claims experience. We do this by looking for reasons to pay, rather than reasons not to. In fact, we are South Africa’s largest short-term insurer, covering over R4 trillion worth of risks. This means we are capable and have experience to deal with your claim.
We’re available if you have an emergency
Santam’s 24/7 emergency and claims line 0860 505 911 will assist you in times of crisis – from roadside, route planning and chauffeur-driven support to legal and medical advice.
These benefits are free:
The bottom line
Now you know, cheap insurance may come at a cost. Insurance is about having peace of mind that you are adequately insured with a company that offers you the best service, a competitive premium and value beyond measure. If you want advice specific to how you can stretch your budget, speak to your intermediary or contact us on 0860 444 444.
Santam is an authorised financial services provider (FSP 3416), a licensed non-life insurer and controlling company for its group companies.
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