Protecting Your Ride

Bells and whistles are cool. The latest cars have super intelligent features like lane departure warning, blind spot warning and collision avoidance. All these things help to make our cars smarter and easier to drive, but most importantly, they help save lives. But they’re also costly to repair.

That small ding in your bumper might have been an easy fix a few years back. But today, with all the sensors and electronics, the cost can be in the thousands.

All these whizz-bang extras on cars need wizards to fix them. Your average mechanic is not so average – they’re highly skilled specialists with computers and it costs a lot to keep them up to speed with all the latest technology. And these costs are adding pressure to insurance premiums.

The cost of car insurance depends on a lot of things. Your driving history, your past claims and your age as well as your choice of car and where you live can all affect your premiums.

Sure do. You can choose one of three main ways of insuring your car. Car Comprehensive; Car Third party, Fire and Theft and Car Third Party only.

• Car Comprehensive. Most people choose this policy as it provides you with the broadest protection and therefore the most peace-of-mind.
• Car Third Party, Fire and Theft. This is often taken out to protect a lower value car while still offering you the benefit of protection from fire, theft or attempted theft. Plus, if you accidentally hit your neighbour’s BMW and it’s your fault, we'll pay for your neighbour’s repairs.
• Third Party. This is the economy option covering you for damage you cause to someone else’s car or property, but not your own.