When you start thinking about insurance, car insurance is one of the most discussed and debated subjects. It’s one of those necessities that we just love to hate, where we are always trying to find a cheaper way out and where we don’t even want to think about all the technicalities involved with trying to put in a claim!

Our current public transport is not quite what you would call up to standard! You can’t really take a quick train ride to work or hop on a bus if you want to go shopping. Sure, as long as the train driver is not on strike, the train might get you safely from point A to point B, but how do you now get from point B to point C (your office)? It’s not safe to walk or to take a taxi. So in this country, that would leave you stranded! And what if you are a sales executive or other business professional – how will you get to your meetings and back?

For that reason owning a car and driving it for your day to day commuting is practically unavoidable. We are so dependent on our cars to get us to work safely, to take us grocery shopping, for family excursions, to get the kids to school and to sporting activities – in fact, try to think of any activity that you partake in without having to make use of your car! (Camping in your back yard does not count!)

As with other insurance, car insurance comes at a price! If you have a sporty, expensive model in your driveway, you need to make sure that you will be properly covered in case of any incident. Just because you are a cautious, responsible driver on the road, does not mean that you can expect the same from your fellow road users! Some drivers are practicing their racing skills on our highways while others are using peak hour traffic to do their make up in the rearview mirrors. On top of that the roads are congested and often in a bad condition. Accidents are inevitable!

The best route to follow when your car is quite new, quite expensive or still belongs to the bank, is to take out a fully comprehensive policy that will cover all your cost in the case of an accident. The bank does not care if your car is a write-off, if you owe them money for your car you still need to pay it back. Quite a waste of money if you have nothing to show for it. If only your car insurance was taken care of.

If you don’t care much about your car and are expecting (and possibly hoping!) it to only last a couple more kilometers, you are probably thinking that you’d be wasting your money on insurance. On the one hand you’d be right as you can’t really care less about what happens to your car, but what if you actually cause the accident? All damages and injuries to the other party will be for your account! In this situation, third party insurance would be adequate. You can finally go park your dilapidated piece of metal on the scrap heap and claim from your third party policy to cover the cost of repairs to the fairly new car you bumped into!

Insurance, car or any other type, is very important! Pay your monthly premiums, you’ll be thankful that you did in case of an accident or emergency.

For more information about car insurance, go to http://www.insurance.co.za