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Sout Africa Short Term Insurance

There are two primary types of insurance that people generally buy, short-term insurance and long-term insurance. Long-term insurance is life insurance or commonly know as a life cover policy, and it only pay's out in the event of your death.

Short term insurance on the other hand, relates to one's possessions that an individual owns, and is usually taken out for your home, it's contents and any motor vehicles you may have.

When you purchase short-term insurance you are covering yourself against the possibility of losing or having your possessions stolen, and effectively this is why you pay an insurance premium as the Insurance Company now carries that risk, should anything happen.

For Example

If your house is burgled or your car is stolen or you have an accident, it is now the responsibility of the Insurance Company to reimburse your for the losses or damages you have sustained, and they will either pay you out an amount or replace the goods for you.

Just bear this in mind, that most Insurance Companies require you to pay an excess. This amount can be negotiated and will be clearly stated in your policy once you have come to an agreement with the Company. Just remember one thing, the lower the excess the higher the premium. So try to settle on a happy medium that you are comfortable with.

Be Sure to read the fine print and conditions of your policy:

When you take out a policy there are always conditions that you should look out for.

Some Insurance Companies will require you to fit a tracking system in the event that your car gets hijacked, some will require you to have a gear lock or immobiliser fitted, while others will insist that your car is parked in a garage during the night in the event that your car is stolen.

With regards to your home you might be required to install an alarm system or have burglar bars or security gates fitted. If you are not aware of this and something should happen, you might have your claim rejected, as it is your responsibility to make sure that the terms and conditions of the policy are met.

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