Insurance Articles

Insurance Auto

Written on November 10th, 2009 by
Categories: Insurance Articles

It’s important that you not only have insurance auto, but that you have the right coverage for you and your particular needs, and that you’re not overpaying for that coverage. Finding a company that can offer the best rates, the best coverage and the best customer service can seem tricky. However, there are a few tried and true things you can consider in order to make sure that you’re getting the most for your money. As you look into the companies in South Africa, consider the following factors carefully.

Value Is More Important Than Price – Make Sure You Get What You Need

It’s easy to get so caught up in the price of insurance auto that you don’t take the time to consider what you’re actually getting for that price. The most important thing is that you get the coverage you need. First look for the level and type of coverage that you need. Then compare prices for that particular level of insurance. When you find the best rates for the type of policy you need, then you will have the best value – not when you blindly compare prices without regard to the type of coverage you’ll get.

Some Companies Will Trick You With the Fine Print

One thing to be on the lookout for are companies that are going to trick you by giving you information in small print that you don’t even notice until well after you’ve signed your insurance auto coverage away. You’ll then find that you either don’t get the coverage you thought you were getting for your money, or you find that you end up having to pay a lot more for it than you’d been told. Choose a company such as www.miway.co.za that doesn’t use fine print or hidden fees to get the best value.

Make Sure You Get Your Coverage Quickly and Easily

Some companies end up making you wait a week or more just for your insurance auto to kick in. This is not only a hassle, it can lead to big problems if you end up having an accident during that time without coverage. To avoid a potentially devastating situation, choose a company that’s going to allow you to instantly activate your own policy, right online. Not only is this extremely convenient for you compared to other options, it provides for coverage right away, which is always what you want.

Consider Their Level and Convenience of Customer Service

Finally, make sure that you’re choosing a company for insurance auto that’s actually going to make it easy to get a hold of them, whenever you need to. Your best bet is a company that offers both online and phone support. You’ll be able to call them if you need to, or can handle it all online. Their coverage should be there for you every hour of every day, all year long. This provides the most convenience and ensures that you’re always heard by the insurance company that you choose for your coverage.

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Household Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

If you’re looking for household insurance, you want to choose a company that’s going to really make your policy worth the money. You want a low price, great coverage and great customer service. However, with so many companies claiming that they offer these things, it can be difficult to find a company that actually does. By following the tips below, you can find the coverage you need, without having to compromise on anything.

Rates Are One Thing – Value is Another

The first lesson that everyone should learn as they search for household insurance is that rates can be misleading. For example, if you get a low rate but don’t have the coverage you need, you’ll essentially be wasting your money. On another note, if you seem to get getting the best rate, but there are so many hidden fees that your price doubles, this isn’t going to be the best value either. Be sure that you’re considering the bottom line, and not just the prices.

Read Your Policy Carefully – And Be Sure It’s Easy To Do So

Obviously you’re going to want to read your policy to make sure that you know the type and quality of household insurance that you’re getting. However, be sure that you’re choosing a company such as www.miway.co.za that makes it easy to read their policy. You shouldn’t have to deal with hidden fees or small print, and it shouldn’t take a consult with a lawyer just to begin to understand your policy.

If You Need More than Household Insurance – Get It

If you’re going to end up needing more than just one type of insurance, look for a company that can provide all the types of coverage that you need. Instead of having to visit numerous company’s websites and fill out all of their forms, with the same information, separately, choose one company for all of your insurance needs. You’ll also find that it’s typically less expensive to have more than one policy with the same company.

Be Sure Their Customer Service is Accessible

The reality is that anytime you need to contact the customer service department of your household insurance company, it’s probably not the best day you’ve had. You probably will have a claim, and will be anxious to find out what your insurance company is going to do about it. As a result, make sure you choose a company whose customer service is always around. This will ensure that you’re able to contact them at any time, day or night, and get some peace of mind during a difficult time.

Reputation is Key

The reality is that you can’t try out various household insurance for a week or two and then make the right decision. Instead, you’ll have to consider the above factors and make the most informed decision. However, you can also look into a company that has an excellent reputation. When previous customers have had a good experience, it’s likely that you’re going to have a good experience as well.

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Contents Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

Finding the best contents insurance can be difficult for many people. They look first for a provider that has the right reputation, only to find that their prices are too high. Or perhaps they look first for the lowest prices, but find that they can’t get the type of coverage they want for that price. While the process can be confusing, if you keep the following tips in mind, you’ll have a much better experience overall.

Make Sure You’re Comparing Value and Not Just Bottom Line Price

While you’ll obviously need to consider how much you’ll be paying for your contents insurance, it’s more important in the long run to make sure that you’re getting a good value. If you pay the lowest price possible, but end up having a claim and find you’re not covered as you thought you were, that low price won’t be a good value in the end. First find the coverage you want, then compare prices for the best value.

Make Sure You Understand Your Policy

Most people are going to tell you to read your contents insurance policy carefully. They’re going to tell you to make sure that you understand the fine print and that you’re aware of all the hidden fees you’ll end up having to pay. However, your better plan is to choose a company like www.miway.co.za that doesn’t have fine print or hidden fees in the first place. Make sure you choose a policy that you can easily understand.

Make Sure You’re Covered All Over

It’s likely that if you need contents insurance, you need other types of insurance as well. If this is the case, choose a company that can help you by giving you coverage on all the types of insurance you need. You should realize that this is likely to provide the best price overall. It’s also much easier to simply provide applicable information once, and get all the coverage you need, rather than filling out form after form with a bunch of different companies.

Make Sure You Can Contact The Company With Questions

One of the most commonly overlooked issues with contents insurance is the customer service you’re going to get. However, consider that if you do end up having a claim, you’re already going to be dealing with a frustrating situation. The last thing you want is to also have to deal with waiting days to get a hold of your insurance provider, only to then find that they’re frustrating and inept. Choose a company that provides excellent service at all times of the day and night.

Make Sure You’ve Looked Into Their Reputation

Finally, make sure you spend a few minutes to consider the reputation of the company you’re choosing to provide contents insurance. Many people find that using customer testimonials is the best way to check up on a company. However, many customer testimonial sections are all about the praise, without any sign of people who’ve had minor issues. Choose a company that provides both sides of the coin.

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Cheap Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

When you’re looking for cheap insurance, there’s a fine line you must walk. You do want to get the best value for your money, and pay a low price. On the other hand, you don’t want to compromise and end up getting coverage that is less than what you want. Many people end up either getting inferior coverage or overpaying. However, you can avoid both of these situations by simply asking the following questions of any insurance provider you’re considering.

Does This Insurance Still Cover What I Need Covered?

Of course you do want to get the best price on cheap insurance that’s possible. However, if you end up getting bad coverage that doesn’t provide what you need, you’ll find that you’re basically throwing your money away. You want to first look for the level and quality of insurance that you need. Once you’ve done that, you’ll then be able to compare prices on that type of insurance. Doing so will help you to find the best value overall.

Do I Understand What I’m Getting Into?

You’ll find that there are some cheap insurance providers out there that will seem to provide excellent coverage at a great rate, only to bury hidden fees and extra charges in the fine print. Many people searching for insurance actually think that there’s no way around this. However, all you need to do is to shop with a company like www.miway.co.za that doesn’t mess around with fine print. Their policies are clear, simple and easy for you to understand.

What Types of Cheap Insurance Do I Need?

In almost all situations, it’s best to get as much cheap insurance as you can from one company. From your perspective, it will make both the buying process easier and keeping your policies easier. You can fill out one form with your information and get coverage in numerous ways, instead of having to visit site after site and fill in the same information over and over again. You’ll also find that most companies offer substantial discounts if you get several types of insurance through them.

Is Their Customer Service Up to Par?

Be sure that you choose a company that offers cheap insurance and has customer service personnel that are responsive. If you should get into a situation where you have a claim, you’re likely to be stressed out and anxious. You don’t want to make a bad situation worse by choosing a company that is impossible to get a hold of and who makes you wait days just to get an answer to a simple question. Choose a company that will provide 24 hour customer service, all the time.

What Have Other’s Experiences Been Like?

Reading customer testimonials, both good and bad, can be one of the best ways to get an idea of which cheap insurance provider is best. Choose a company that has reviews right on their site, and that allows everyone to leave their review, not just the ones that portray them in a positive light.

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Cheap Car Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

Cheap car insurance doesn’t have to mean you don’t get the coverage you need. At MiWay, You can have your vehicle insured for its retail, market, or a specially agreed value. You can get insurance for your private vehicle or for a vehicle you use in a professional or business capacity. You also have the option between comprehensive and limited car insurance, depending on your individual circumstances. With comprehensive car insurance, you will get the widest range of coverage including that for theft, hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods. It will also include coverage for damage to the vehicle’s glass and liability to other parties as a result of an accident.

Cheap car insurance will be limited, which means the policy pays a lower price to get none of the coverage added with comprehensive. At MiWay, you will have flexible car insurance to cover losses primarily due to an accident or theft. You can also choose from additional options such as car hire and cover for non-standard sound systems and car accessories to optimize your coverage for your needs.

To be sure you qualify for cheap car insurance at MiWay, you will need to take your vehicle to one of their approved inspection centres to determine whether there is any existing damage to your vehicle. They will confirm if the immobilizer is adequate and in good working order and obtain the details of any non-standard accessories and sound equipment. This inspection is essential in avoiding any problems in the unfortunate event of needing to file a claim. In addition, MiWay also provides coverage for older vehicles even if the vehicle does not exist in their system. They will agree to a value of the vehicle with you and insure your older vehicle for that value.

To get cheap car insurance, you need to understand some of the terms used to decide what your coverage is and how this affects your premiums. The retail value of your car is a higher value than the market value and is the average price a dealer would sell the vehicle for taking its age, condition and mileage into account. Your vehicle may be covered for its retail value and allow you to replace it with a similar vehicle if it is stolen or hijacked. This will probably be a higher price for the better coverage. Market value is lower than the retail value and you will get cheap car insurance when your coverage is based on the market value rather than the retail value.

When you pay a higher excess on your insurance, you can get cheap car insurance and lower your premiums. An excess is an amount of money that you agree to pay in the event that you have an insurance claim. If you have an excess of R3,000.00 and damages in the amount of R50,000.00, MiWay will pay the remaining R47,000.00 once you have paid your excess to the repairer. To learn more about how to get cheap car insurance, visit www.miway.co.za!

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Car Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

Finding the right car insurance policy can be a bit of a pain, if you aren’t sure of what you should be looking for. Many buyers simply end up choosing one of the first companies they come across, because they simply didn’t want to take the time to find the right coverage. They know they could save money if they looked a little further, but sometimes the savings just doesn’t seem to be worth the hassle. However, if you simply ask yourself the following questions, you can find the right policy for you.

Is This the Best Price on Car Insurance – Or the Best Value?

Many people don’t realize that there’s a bit difference between the best price and the best value. The best price is simply the least amount of money you can pay, which might seem like a value, but isn’t always. Getting the best value on car insurance, on the other hand, means not only paying less than for other policies, but actually getting more. Your goal should be first and foremost to get the coverage you need. Then compare prices on that level of coverage, to get the best value for your money overall.

Does This Company Seem to Have Confusing Small Print Or Not?

You want to shop with a company like www.miway.co.za that doesn’t have a bunch of fine print, exceptions, additions or confusing language in their policies for car insurance. If a company is really providing a valuable product at a good rate, there will be no reason for them to hide any of their wording on the policy. Read through the documents you before you sign them, and make sure that you completely understand your coverage, and what your fees and pricing structures will be for that policy.

How Long Am I Going to Have to Wait For My Coverage To Kick In?

Waiting a week or more for your car insurance to kick in is a hassle anyway, but when you consider how much of a hassle it will be if you end up getting into an accident during that waiting period, you can see that you could be in for a sticky situation. Look for a company that’s going to offer you instant coverage – right online. This not only ensures that you’re covered as soon as you sign up and activate your account, it ensures that you’re not going to have to waste time or money waiting to get covered.

Can I Contact This Company If I Have Questions or Concerns?

Your car insurance is important, and if you have any questions, concerns or claims to make, you want to be sure that your insurance provider is going to be there to help you through the situation and answer your questions. Be sure that you’re choosing a company that offers both online and phone support. They should also be a company that’s going to offer you support 24 hours a day, 7 days a week, on each and every day of the year.

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Car Insurance South Africa

Written on November 10th, 2009 by
Categories: Insurance Articles

We all know that we need car insurance in South Africa. However, it’s not quite so easy to know where to turn. You want to get the most coverage for you money, but you don’t want to deal with long waits to get insured, or complicated processes to get the coverage you need. Luckily there are companies out there who will keep your needs in mind and make it easy for you to get and maintain the coverage you need, at a price you can afford. Look for the following factors in order to choose the best company.

Make Sure You’re Getting the Coverage You Need – At the Right Price

One of the biggest mistakes that people make when looking for car insurance in South Africa, is focusing only on getting the right price for their coverage, or focusing only on getting the right coverage. The reality is that you want both. Instead of starting out by comparing rates, start out by comparing policies. Look for policies that are going to meet your needs. Then take those policies that will work for you, and compare their rates, leaving you with the best value overall at the end of the day.

You Should Get What You Think You’re Getting – With No Surprises

Make sure that you’re shopping with a company like www.miway.co.za who doesn’t have a bunch of confusing small print, or hidden fees for car insurance in South Africa. Some companies will seem to offer the best rates and the best coverage, but when it comes time for you to actually pay your money, you end up finding that there are so many ‘small’ hidden fees and charges, that the policy you’d decided on wasn’t the best option after all. Avoid this situation by choosing a company that doesn’t hide fees.

Look For Online Companies That Offer Instant Access and Coverage

Another thing to look for are companies that can provide car insurance in South Africa, is a company that allows you to browse for insurance with them online, and actually activate your policy yourself. Some companies force you to wait weeks at a time just to begin coverage. Others make you go to their actual location to sign the paper work. Both of these options are inconvenient and can lead to going without coverage. Choose a company that allows instant activation for the most convenience overall.

Choose a Company Who Actually Wants To Talk To You

You’ve probably had at least one situation in your life where you gave your hard earned money to a company, and thought you were getting a great product or service from them, only to find that when you needed to ask them a question or check on your order, they were nowhere to be found. The best way to avoid his happening with car insurance in South Africa is to choose a company that provides both online and phone customer support, so that you’ll always be able to contact them if you need to.

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Budget Insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

There are numerous things you’re going to have to consider when you’re getting insurance of any kind. For one thing, you want to get budget insurance that’s going to offer the best rates. You’ll also want to get the right coverage, and to choose a company that’s going to be the most convenient to work with and easy to use. However, finding a company that meets all of these requirements can be tough. As you search for the right company, ask yourself the following questions of any that you’re considering.

Does This Budget Insurance Also Adequately Cover My Needs?

It’s understandable that you’re going to want to find the lowest rates. However, make sure that you’re still getting what you need in return. If you pay very little for your insurance but it doesn’t actually cover you, you’ll essentially be throwing your money away. While you do want to get the best rates, make sure that you’re getting the best coverage for that money. If spending a few extra rands can mean getting significantly better coverage, choose the smart road of getting the best value overall.

Can I Understand This Policy or Is It Overly and Unnecessarily Confusing?

It seems like everyone is always telling you to read the fine print, and know what you’re signing. While this is typically good advice, the better advice is to choose a company like www.miway.co.za that doesn’t have any fine print to begin with. Choose a company that doesn’t have any hidden fees or exclusions from budget insurance to hide. You do want to read your policy before deciding that it’s right for you, but you don’t want to have to spend hours doing so, or hire an attorney to understand it.

Can I Get All the Budget Insurance I Need In One Place, Easily and Quickly?

If you need several kinds of insurance, it’s almost always best to buy them all from one company, for a few reasons. For one thing, it’s just plain easier to work with one insurance company, as opposed to keeping track of and paying numerous companies for the various types of coverage you might need. For another thing you’ll likely get the best rates when you get several kinds of coverage from one company as most companies will offer discounts to their customers who have several policies with them.

Can I Trust Their Customer Service to Give Me the Service I Deserve?

Of course you want to make sure that you’re getting budget insurance from a company that’s actually going to help you through the process of getting insured, and that will be there for you if you have questions or claims along the way. Look for a company with online and phone support, that is provided all day and all night. You should also look for a company that provides customer testimonials that are both bad and good – so that you can actually see what you can expect – no company is perfect – choose one who admits it.

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Accident insurance

Written on November 10th, 2009 by
Categories: Insurance Articles

If you are looking for accident insurance that will also let you save on your insurance premiums, then you will find everything you need at MiWay of South Africa. They offer primary coverage for cars, household contents, all risks and buildings insurance. Complementary coverage includes motor warranty, 4×4 motor warranty, credit life insurance, credit shortfall, personal liability, and personal accident coverage insurance. If you are looking for a cheaper insurance quote, you can get yours online at www.Miway.co.za. MiWay is South Africa’s latest entrant into the direct financial services and insurance industry and they are the first in the area to allow their clients to activate their insurance instantly online.

MiWay is committed to delivering you excellent accident insurance as well as superior customer service. They also offer simple, no-nonsense insurance products at very competitive prices for your auto, home, and personal products. Get great value for your accident insurance with the cost-effective products they have to offer. Products are simple to understand with no fine-print to read and no percentage-based excesses. They guarantee their good-risk clients the opportunity to earn rewards whether they make any claims on their insurance or not.

MyDriveStyle through MiWay means you get your accident insurance premiums based on your driving style, not on the way others drive. That means you get the best prices for your coverage available. Your accident insurance will be based on the use of your vehicle, too. If you use your vehicle for business where your car forms an essential part of the performance of any work or function and it also includes private use, then you can get business use coverage. Professional use is that where the car forms an essential par of the performance of any work or function as a lawyer, actuary, doctor, accountant, architect or an engineer and you will also have private use included. Finally, private or social purposes are those that include driving between your home and regular place of work will be classified as private use.

If your car is utilized for business purposes and is on the road more often than if you only used it for private purposes, the chances of it being stolen or involved in an accident becomes much greater. The premium for your accident insurance will be higher for a car used for business purposes as compared to one being used only for private purposes. If you insure your car for the incorrect use you will not have cover on your car in the event of a claim as the premium paid will be correct. A professional at MiWay can help review your circumstances and determine the right coverage for your vehicle and the uses it serves.

When you get your accident insurance for your vehicle online, you can save on joining fees and earn rewards. Go to www.MiWay.co.za to get your online quote for lower premiums on your accident insurance. Getting a good value on your insurance products is one of the advantages of using MiWay but you will also want to be sure you get the right coverage. Count on their friendly service to help you make your choices!

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Watercraft Insurance

Written on February 27th, 2009 by
Categories: Insurance Articles
Watercraft Insurance

Watercraft Insurance

MiWatercraft (MiWay’s Watercraft Insurance product) covers any motorboat, ski boat or wet bike which consists of the hull, motors, machinery, equipment, standard fittings and accessories that would normally be sold with it. The watercraft insurance covers the watercraft if used exclusively for private or social purposes.

What are you covered for under MiWatercraft?

  • Loss of or damage to your watercraft caused accidentally or intentionally (including theft, hijack, attempted theft or attempted hijack) by fire, explosion, earthquake, storm, hail, flood or snow.
  • Loss of or damage to motors, machinery or batteries and their connections are only covered if my watercraft is stranded, sinks, burns or collides.
  • Protective covers, which are split or blown away by wind, are only covered when your watercraft is stranded.
  • Following an incident for which you can claim, the reasonable cost of reducing or preventing further damage to your watercraft or trying to find your watercraft if it is stranded, collides or sinks.
  • The medical costs for any person in or on your watercraft who is injured following an incident for which you can claim. (Maximum amount stated on my Coversheet).

Liability to other parties

Whilst navigating or using the watercraft you and the members of your household are covered for legal liability following a watercraft accident that caused death or bodily injury to other people or damage to their property. This includes legal costs which someone else can claim from you and which MiWay agrees to pay in order to settle or defend a claim against you. The maximum amount you can claim per accident is noted on your coversheet.

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