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Read your policy and make sure that you are properly covered.
Your cover and premium take into account your personal circumstances (for example, age, claims history, etc).
The premium and cover can be influenced by the type of vehicle (for example, year, make, model and value).
Check whether the security you have fitted is acceptable to your insurer.
Insurance claims are more frequent in certain areas due to higher risk factors.
The chances of theft are lower if your vehicle is locked and parked in a locked garage.
Is it for pleasure, driving to work and back, or for business? Inform your intermediary or insurer if anyone else would be driving the vehicle.
If you have an accident and you are responsible, your third party insurance covers injuries to other people (including passengers) as well as damage to other people's property. Should a passenger be injured as a result of your negligence, the insurance company will cover their injuries too, over and above the Road Accident Fund.
This provides cover for fire and theft, in addition to ordinary third party cover. There may be an excess that you have to pay.
Comprehensive insurance is cover for damage to your own vehicle combined with third party, fire and theft cover. This gives you the broadest possible cover. You usually have to pay an excess.