We've cut out the middleman! With Dial Direct Insurance there is no need for an insurance broker as the broker can take between 12.5% and 20% of your total insurance payments in commission.

Tips and Advice

South Africa has some of the highest incidence of crime and road accidents in the world, which has made insurance premiums a good portion of one's budget.

There are several ways to reduce your premiums, and by implementing these methods you can save yourself thousands of Rands a year.

Excess

Most claims are subject to an excess which is stipulated in your policy. If you opt for a higher excess, your monthly premiums will be less. In an average policy the excess is usually between R 750 and R 1000. If you make your excess R2000, you will also protect your no-claim bonus, by not claiming for small amounts during the year, which will result in your premiums being lowered the following year. Market Value The replacement value of goods, increases all the time. The only exception is Motor Vehicles. Make sure you car is only insured at the market value. A car you bought 5 years ago will not have the same market value today. So check with your broker or insurance company that you are only paying for the market value and that it is reduced on an annual basis.

Specified Items

Most Insurance Companies require you to Insure specific items in your policy. i.e. - Jewellery, Glasses, Cell phones etc. Make sure that if you no longer own these items, that you have them removed from your policy. There's no point paying cover for something you don't own anymore.

Security

By installing the following security measures, your are reducing the risk of loss, and will result in reducing your monthly premiums.

Household
  • Burglar bars
  • Alarm System and Armed Response
  • Security Gates
Motor Vehilce
  • Alarm, Immobilizer or Gear Lock
  • Satellite Tracking System
No-Claim Bonus

Your monthly premiums are directly related to your number of claims you submit. The less claims you submit, the lower the premiums. Most insurance companies offer a discount on household and car insurance if no claims have been submitted. Policyholders can earn such a bonus on the basis of a claim-free history.

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