The regular driver is the person who drives the vehicle most often in any given period. Insurers need to know who this is as the insurance premiums are based that person’s risk profile e.g. if your 18 year old child drives the car most of the time but the insurer was informed that you are the regular driver, the incorrect premium is calculated and because you supplied them with incorrect information regarding the regular driver and you paid the incorrect premium, chances are that any claims could be rejected based on premium prejudice.

t’s always best to make sure that your policy reflects the correct information so that there is no confusion or unnecessary delays during claims stage and if you’re not sure, please contact your broker.

Only if the insurer requests this information or if your policy has this requirement – if you are not sure, please contact your broker.

It depends on the type of policy you have, always refer to your policy wording or please contact your broker.

Yes, they can but they would just need to keep their learners license at hand and will need to be accompanied by someone with a valid driver’s license when driving. The insurer will calculate the insurance premium based on the learner drivers risk profile and any excesses that could apply.

An excess is the amount you pay for towards a claimable event. Insurers sue this to keep your premiums as low as possible and it reduces the amount of claims an insured submits. You can increase your premiums and therefore lower your excess or vice versa.

Factors that can contribute are parts and labour prices that become more expensive, natural disasters and the performance of the Rand. The cost to maintain vehicles becomes more costly with

age and part prices constantly change. Therefore, with age, repairs and maintenance costs increase and hence your premiums needs to increase accordingly.

The best and easiest way is to create an inventory list of the contents with the replacement value of the item. The total replacement value of this entire list is the insurable value or in laymans terms 0 if you turn your house up∂aside down, whatever falls out that is not attached to the building is considered the contents.

A thorough inspection up front prevents you from having problems in the unfortunate event of having to claim. By giving your vehicle a thorough inspection – determining whether there’s any existing damage to the vehicle, confirming if the immobiliser is adequate and in good working order and obtaining the details of any non-standard accessories and sound equipment, we make sure that we have all the info we need to cover your car properly.