Firstly, if you are out insurance quote hunting, you are already on the right track – hunting, shopping around. Since insurance is a very specialised field, which caters for almost every possible need and client; premiums and products vary from one insurer to the next. You will not regret checking with several insurers, obtaining at least three quotes, before making a decision.

Secondly, when requesting an insurance quote, ensure that you obtain as much information as possible about the company as well as the agent. A business card with full contact details will come in handy once you have returned home, and you still have some questions that need answering.

Thirdly, know exactly what your insurance requirements are when requesting an insurance quote – what you already have, and what you still need. This will enable you to cut through most sales talk and identify the product that works best for you. In this way you will also prevent overlapping coverage between insurance policies.

Fourthly, insurance quotations are put together based on the information provided by the consumer at the time. Therefore do not give the insurer his quittance when the quoted premium turns out to be different from the actual premium in the end. However, also remember to provide the most accurate information for the insurer to calculate the best quote for your needs.

Fifthly, never feel that you must decide immediately whether to accept a quote or not. Insurance quotes, like most quotes, are usually valid for a while. Therefore, take your time and think it through.

Sixthly, it is the job of an insurance agent or company to guide you in your search for the best available insurance product for your needs. If you therefore sense that the broker or insurer you are dealing with is not prepared or able to explain all the different available options and answer all your questions, or does not understand what you need, you might want to look a bit further!

Remember: You need an insurance quote that will provide you with the required coverage at the best available price. Do not quit before you hold that quote in your hand!

Met with Johan today and he provided an excellent service. Promised me that all the repairs would be done properly with genuine parts and a lifetime guarantee. If any thing at all goes wrong I should give him a call. He is even going out of his way to organize a courtesy car since I will have no other transport. This has certainly given me hope about the situation and I wait in eager anticipation to see the quality of the repair.
Jaecob

Thanks very very much to Carin for excellent service.
Douglasdale, JHB, South Africa

I recently had my handbag and its entire contents stolen. This included my only set of car keys. I must compliment all at Dial Direct who have been dealing with my claim. I found everyone to be exceptionally professional and helpful.
JHB, South Africa

Unfortunately we were burgaled recently and I had to make a claim. This has been resolved within 4 working days which is pretty impressive I think. But what I thought was really great was their call centre. …
JHB, South Africa

Just want to say thanks to Dial Direct for always having provided me with a quick, efficient and friendly service. Having had to notify them of my change of address, this was handled within a couple of minutes with a very friendly consultant on the other end. … I've only ever experienced a professional and helpful service. Why is it that other companies can't do the same?
Pretoria, South Africa

Quite simply the best service I have ever received from any employee, at any company, EVER!
Sandton

Thank you to Sibu (manager Jaco) at Dial Direct for an excellent first impression. It was great to have everything explained in a way I could understand. …. Working in service environment I understand the stress involved in working in a call centre, where you need to make a great impression, understand your clients needs, create a solution and be professional and understandable all in under 3 minutes AND over the phone where it is often hard to communicate.
South Africa

I must thank and compliment all people concerned for this fantastic service
Randburg, South Africa

Thumbs up guys and keep up the GOOD WORK!!!
Jhb

Just took insurance with Dialdirect, had a breakdown. Both Craig and Claudio were very helpful in giving information. Had the car towed to a garage, it's now sorted and somebody from Dialdirect called again to find out if everything went alright.
Midrand, SA

I was just very impressed with Gerda's professionalism and excellent customer service. She really made an awful experience a bearable one – thanks Gerda and I hope Dial Direct recognise your great qualities.
Bryanston, SA

To get you free quote from Dial Direct, phone 0860 10 43 11 or visit their online quote website.

The middleman being an insurance broker, can take up to 20% commission or more of your insurance payments. By going direct you can lower the cost of your premiums, and what's more, you can enjoy the benefit of dealing directly with your Insurer. After all, not many people actually know who insures them. Do you know who your Insurer is? Going direct you can enjoy a better, longer lasting relationship between you and your Insurer.

Get a quotation from Dial Direct and see how you will save! You can also call Dial Direct on 0860 10 43 11

Bucks Back Bonus

The Bucks Back Bonus is Dial Direct's way of giving our client tangible recognition for a claims free insurance record. Unique and brand new to short-term insurance in South Africa, this reward system puts cash back into our policy holder's pocket and works as follows:

• If a client has had four years of uninterrupted cover
• No claims were submitted during these four years (except for certain claims – see below)
• Dial Direct will pay back the client's entire first year's premiums or 25% of his/her total premiums.

Unlike similar reward systems in the market, the policy holder will not always lose his/her bonus when claiming. In other words, certain claims will not affect the client's Bucks Back Bonus and money will still be paid out after the four-year period.

The claims that do not affect the Bucks Back Bonus are the following:

• Vehicle theft – fitted with an approved tracking system.
• Fire brigade charges
• Stolen garden furniture
• Theft of guests' property
• Repairable windscreen damage
• Cash stolen from the home
• Loss of documents/stamps/coins
• Theft of domestic employee property
• Goods in transit with a removal company
• Loss of rent
• Fraudulent use of credit cards
• Hole-in-one
• Medical expenses
• Veterinary expenses

Once our client has received a Bucks Back Bonus payment, the cycle will automatically repeat itself for the next four years. A four-year cycle will also start afresh whenever a claim is submitted.

Dial Direct saw the potential of offering the general public the opportunity of dealing directly with their insurer, thus affording them personal control of their short term insurance needs.

With a nation-wide infrastructure Dial Direct's ambition is to become the leading direct motor and household insurance company, in South Africa.

Emergency Assistance

There are few things more frustrating than a vehicle breakdown. It throws a spanner in the works for your mobility, causes delays and especially if there is not a single service station in sight.

We all know the feeling when a crucial household appliance such as a freezer or washing machine, breaks down. And, more often than not, it happens when both time and money are tight.

On a far more serious note, you are also aware that we are all potentially exposed to a vast array of medical emergency situations on a daily basis. Like most people, you probably find it hard to imagine what your plan of action or first logical steps would be if something traumatic had to happen in your life tomorrow.

Legal Assist (included with all policies)
Fortunately, you can be reassured when insured with Dial Direct. We take care of these legal concerns for you. With us, it pays to go direct in more ways than one. Apart from giving you huge savings on premiums and a Bucks Back Bonus, we also include a range of emergency assistance services with your policy – at no cost! At your disposal 24 hours a day, 7 days a week, are the following services, provided by Netcare911

Roadside Assistance
This is an assistance line which covers the policy holder's vehicle should anything go wrong on his journey. The package offers the policy holder access to complete vehicle cover. The following will fall under roadside assistance: Roadside assistance, Flat battery & tyre service, Fuel delivery, Vehicle locksmith, Vehicle towing, and more…

Household Assistance
This is an assistance line catering for the needs of policy holders who are experiencing problems within their home environment. The call-out fee plus one hour's labour, will be covered for the following services: Locksmith, Glazier, Plumber, Electrician, Appliance,Fire damage, Emergency services, Carpet specialists

Medical Assistance
The following benefits are available throughout South Africa on an unlimited basis: Emergency medical advice, Emergency dispatch of response vehicle and or ambulance, Air ambulance transfers, Dispatch of essential medications, Inter-Hospital basic and Intensive care transfers, Medical assisted repatriations to the patient's place of normal residence, Assistance of stranded children, Emotional support and counselling, Access to rape crises centre.

Call 0860 10 43 11 for an obligation free quote from Dial Direct or visit their website for an eQuote. Have a look at the testimonials they have received from their clients.

Die alledaagse realiteit is dat jou huis en jou besittings finansiële beskerming nodig het teen enige skade wat mag voorkom. Of jy gemotiveer word om huishoudelike versekering te kry om jouself teen natuurrampe, inbrake of ongelukke te beskerm, maak seker jy word nie onkant betrap nie.

Indien jy bietjie meer in diepte op huishoudelike versekering ingaan kan jy dit hoofsaaklik in twee kategorieë verdeel, naamlik huiseienaarsversekering en huisinhoudsversekering. Huiseienaarsversekering beskerm jou teen verlies en skade aan die fisiese strukture van jou huis. Privaat residensiële strukture kan byvoorbeeld teen storms, brand, wind en water, ensovoorts verseker word. Die hele huis, insluitende jou swembad, tennisbane, buitegeboue, motorhuise, opritte, mure, heinings en enige ander permanente strukture kan onder hierdie tipe versekering gedek word. Versekeringsdekking sluit hoofsaaklik die koste om die huis te herstel of oor te bou indien dit beskadig sou raak.

Huisinhoudsversekering

'n Huis is egter nie 'n tuiste sonder inhoud nie – daarom sluit huishoudelike versekering ook huisinhoudsversekering in, wat gewoonlik alle losstaande items binne en rondom die huis dek. Wanneer jy aansoek doen om huisinhoudsversekering ontvang jy 'n inventaris om te voltooi waarop jy moet bereken wat die totale waarde van jou huisinhoud is om dit te verseker. Items wat hieronder gedek word sluit meubels, matte, gordyne, televisie, radio, kombuistoerusting, ornamente, persoonlike besittings, klere, rekenaars, ens in. Huisinhoudsversekering kan dus gesien word as alles wat in jou huis is wat jy sal verwyder indien jy sou verhuis.

Huisinhoudsversekering kan òf op 'n standaardbasis òf op toevallige skade-basis verseker word. Standaard dekking sal jou items op 'n nuut-vir-oud basis vervang, byvoorbeeld die beskadigde item waarvoor geëis word, sal teen vandag se waarde vervang word, sonder aftrekkings vir slytasie. Wanneer jy jou huisinhoud verseker moet jy dus dit in gedagte hou wanneer jy jou vervangingswaarde bereken. Toevallige ongeluk dekking sluit standaard dekking in sowel as addisionele dekking vir ongelukke soos byvoorbeeld indien jy jou R3000.00 horlosie teen die muur sou krap, of om olie op 'n antieke tapyt te mors.

Jou huis is waar jou hart is – sowel as al jou kosbare besittings. Daarom is huisinhoudsversekering 'n baie gespesialiseerde veld, wat enige moontlike kategorie en item dek, gespesifiseerd en ongespesifiseerd (die verskil hang af van die items se waarde), persoonlike besittings-versekering vir huurders, persoonlike besittings-versekering vir studente, hoë waarde huisversekering, ens.

Nog iets om in gedagte te hou is dat sommige versekeraars 'n laer premie bied vir hoër sekuriteit, soos om byvoorbeeld aan te sluit by 'n goedgekeurde buurtwag, om 'n goedgekeurde alarmstelsel te installeer en goeie kwaliteit slotte.

So, wanneer jy weer teëspoed optel kan jy gemaklik agteroor sit en weet dat jy veilig is, verseker.

Raak geletterd oor motorversekering en al die keuses, en moenie 'n vyfde wiel aan die wa wees wanneer jou vriende hulle polisse bespreek nie.

Daar bestaan hoofsaaklik drie tipes motorversekering, naamliks Derdeparty alleenlik, Derdeparty Brand en Diefstal, en Omvattende versekering.

Derdeparty Allenlik dek slegs aanspreeklikheid vir ander se beserings, skade aan ander se eiendom, aanspreeklikheid vir passasiers vir ongelukke deur hulle veroorsaak, en ongelukke as gevolg van 'n karavaan of sleepwa wat deur die voertuig gesleep is. Derdeparty Brand en Diefstal sluit dit alles in, maar ook skade as gevolg van brand of motor diefstal. Meeste mense kies egter Omvattende Versekering. Hierdie tipe versekering sluit gewoonlik bogenoemde kategorieë se dekking in, plus addisionele dekking vir ongelukke met jou eie voertuig, persoonlik ongeluksdekking, beperkte mediese uitgawes en die vervanging van gebreekte glas van die voorruit en ander vensters.

Jy moet nie sleg voel indien die versekeraar jou premie hoër as die van jou vriende s'n vasgestel het nie; – hou in gedagte dat premies bereken word deur 'n groot verskeidenheid kriteria in ag te neem, en daarom sal dit tussen individuë verskil. Jou premie word bepaal deur onder andere die model en ouderdom van jou voertuig, die bestuurder se ouderdom, ondervinding en bestuursgeskiedenis van die bestuurder, waar die voertuig gestoor word, ens. Boonop wil mans van hul kop af raak as hulle uitvind dat vroue-bestuurders se premies oor die algemeen laer is as gevolg van, volgens statistiek, die feit dat vrouebestuurders "meer veiligheidsbewus is, korter afstande ry, en minder ongelukke maak" as mansbestuurders!

In geval van 'n motorongeluk, probeer soveel moontlik inligting op die plek kry. Name en besonderhede van getuies, die ander bestuurder(s) en hulle versekeraars sal dit makliker maak om jou eis in te dien en die eis te finaliseer. Onthou ook om jou versekeraar so gou moontlik in kennis te stel van die ongeluk – meeste versekeraars vereis dit in elk geval.

En, ter afsluiting, indien jy beoog om versekeringsbedrog te pleeg deur jou voertuig "te laat kaap", dink weer: 'n Ondersoek gevuur deur eise wat ingedien is oor motorkapings kort nadat hul voertuie in Auto Trader geadverteer is, het gelei tot die arrestasie van drie persone wat by 'n kapingsindikaat betrokke was. 'n Nuwe sentrale databasis deur die versekeringsbedryf daargestel het ook ter lig gebring dat 'n kapingsindikaat 'n seker patroon volg deur 'n paar dae te wag voordat die voertuie as vermis aangemeld word. Dit gee die sindikaat genoeg tyd om die voertuig oor die grens te beweeg. Gelukkig is daar spesialle samewerking in sulke gevalle nou van toepassing by die grenspolisie.

Onthou, niks kan 'n pen in 'n ingeligte polishouer se wiel steek nie. Kry vandag nog 'n gratis kwotasie op motorversekering!

Eerstens, indien jy reeds op 'n soektog is na kwotasies is, is jy reeds op die regte spoor – soek, rondkyk. Aangesien versekering 'n baie gespesialiseerde veld is wat vir so-te-sê enige behoefte van enige kliënt kan bevredig, verskil premies en produkte van een versekeraar tot die volgende. Jy sal nie spyt wees om eers ten minste drie kwotasies te kry voordat jy 'n besluit maak nie. Kry sommer nou jou eerste versekeringskwotasie per e-pos.

Tweedens, wanneer jy 'n kwotasie aanvra, maak seker dat jy soveel moontlik inligting van die betrokke maatskappy sowel as die agent verkry. Maak seker jy kry 'n besigheidskaartjie met volledige kontakbesonderhede sodat jy dit byderhand het wanner jy by die huis aankom en daar dalk nog 'n paar vrae mag wees wat beantwoord moet word.

Derdens, weet presies wat jou versekeringsbehoeftes is wanneer jy 'n kwotasie aanvra – wat jy reeds het en wat jy addisioneel nodig het. Hierdie sal jou in staat stel om deur meeste van die koop-praatjies te sny en dadelik te identifiseer watter produk die beste vir jou sal werk. So sal jy ook oorvleuelende dekking tussen verskillende versekeringspolisse uitskakel.

Vierdens, versekeringskwotasies word opgestel volgens inligting wat deur die kliënt verskaf word op die gegewe oomblik. Moet dus nie die versekeraar kwalik neem indien die premies verskil van die gekwoteerde bedrag nie. Onthou om jou inligting so akkuraat moontlik aan die versekeraar te gee sodat hy jou van die beste kwotasie volgens jou behoeftes kan voorsien.

Vyfdens, moet nooit voel asof jy onmiddellik 'n kwotasie moet aanvaar nie. Versekeringskwotasies, soos meeste ander kwotasies, is gewoonlik geldig vir 'n sekere tydperk. Neem dus jou tyd en oorweeg alle aspekte.

Sesdens, dit is die werk van die versekeraar om jou te help in jou soektog na die ideale versekeringspakket vir jou doeleindes. Indien jy dus enigsins voel asof die agent of maatskappy met wie jy handel nie bereid is of bevoegd is om die verskillende opsies en antwoorde op jou vrae met jou te deel nie, of nie jou behoeftes verstaan nie, moet jy dalk maar 'n bietjie verder gaan soek!

Onthou

Jy het 'n kwotasie nodig wat vir jou die nodige dekking teen die beste moontlike prys sal bied. Moenie ophou soek totdat jy hierdie kwotasie in jou hand het nie!

Die hoof onderskeid tussen korttermyn- en langtermynversekering (behalwe vir die ooglopende kort- en langtermyn) is dat eersgenoemde gewoonlik fisiese items soos huise, voertuie en persoonlike besittings beskerm, terwyl langtermynversekering op lewenslange kontrakte dui. Sommige mense noem korttermynversekering selfs leefstyl-versekering, omdat dit vir jou dag-tot-dag gemoedsrus gee en jou besittings beskerm.

Vir byna enige gebeurtenis waar jy teëspoed optel, is daar korttermynversekering beskikbaar. Byvoorbeeld:

• Motorversekering beskerm jou motor teen ongelukke, skade, kapings en diefstal. Die mees algemene tipe motorversekering is Omvattende Dekking, wat Derdeparty asook brand en diefstal en beperkte mediese uitgawes insluit. Moedswillige beskadiging asook die vervanging van glas is ook hierby ingesluit.
• Huishoudelikeversekering bied jou huis en die inhoud finansiële beskerming teen enige moontlik skade, deur huiseienaarsversekering en huisinhoudsversekering.
• Wanneer jy daardie kort, maar welverdiende ruskans neem, is daar nog 'n soort versekering om te oorweeg naamliks reisversekering. Om die waarheid te sê, reisversekering en ander reisdokumente moet as ewe belangrik geag word. Reisversekering bied gewoonlik dekking vir bagasie en persoonlike besittings, mediese nooddienste en verwante uitgawes, persoonlike ongeluksdekking en persoonlike regsaanspreeklikheid.
• Alhoewel niemand hul gesondheid as korttermyn wil beskou nie, is korttermyn medieseversekering 'n tydelike opsie indien jy van werk verander, voor dekking van 'n nuwe mediese plan in werking tree, seisoenswerkers, ens.

Die jongste neiging in die versekeringsbedryf is om die middelman uit te skakel – sodoende word die eens uitgerekte proses van korttermynversekering uitneem 'n kort en kragtige oefening. Die uitskakel van die tussenganger bied ook dadelik 'n besparing van tussen 10 en 15% op jou premies, aangesien geen agentekomissie in berekening gebring hoef te word nie. Om die direkte opsie te neem hoef jou dus nie noodwendig in die steek te laat nie.

Die korttermynversekeringsbedryf is ook deurlopend aan die uitbrei en verbertering in 'n poging om selfs meer beskerming en gemoedsrus te bied. Dit is duidelik sigbaar uit 'n onlangse besluit deur die Suid-Afrikaanse Versekeringsassosiasie (SAVA) dat besigheide en goedere soos voertuig-opspoorstelsels, insleepdienste, alarminstalleerders en -stelsels deur die korttermynversekeringsbedryf gelisensieer moet word. Dit behoort jou meer op jou gemak te laat voel oor die waardigheid van 'n maatskappy of produk, en dit sal ook die versekeraar beskerm teen onnodige uitgawes as gevolg van produkte wat nie op standaard is nie.

Om te sorg dat jy nie met jou begroting 'n tekortkoming het nie, het ons 'n paar belangrike wenke vir besparing:

• Maak seker dat jy nie jou voertuie oorverseker nie
• Hou jou premies laer deur jou geen-eis bonus te behou.
• Sommige maatskappye bied jou kontant-terug-in-jou-sak indien jy nie eis vir 'n sekere tydperk nie.
• Verbeter die sekuriteit by jou huis, of trek na 'n veiliger woonbuurt.
• Kliënte oor 'n sekere ouderdom kwallifiseer vir verlaagde premies.

Wanneer die ongeluk jou tref, mag jy dalk besef dat korttermynversekering niks kort van 'n lewensredder is nie…

Santam specialises in the following types of short term insurance :

• Household Insurance
• Car Insurance
• Caravan and Trailer Insurance
• Motorbike Insurance
• Business Insurance

Visit Santam's official website at http://www.santam.co.za/

You can also save by cutting out the middleman and going direct with Dial Direct

Notice: This page is for informational purposes only, and is not the official page. We accept no responsibility for any errors on this page. Please contact with the insurer directly if you have any questions regarding any of the above.

Auto & General presented the South African consumer with a short term insurance alternative, based on innovative administration efficiency and a service-orientated approach.

Auto & General has expanded and grown tremendously. Similar operations have been established in the UK and Australia.

Auto & General targets the average South African household. Auto & General determines your premiums according to your personal level of risk, costs for repairing, etc.

Auto & General also offers free netcare911 roadside, medical, household and legal assistance. Free towing is also provided for their policy holders.

Visit the Auto & General website at http://www.autogen.co.za/

You might also be interested in Dial Direct insurance, another leading insurance company in South Africa.

Notice: This page is for informational purposes only, and is not the official page. We accept no responsibility for any errors on this page. Please contact with the insurer directly if you have any questions regarding any of the above.

Being an established and reputable player in the European market for almost a decade, the UK's experience allows them to offer South Africans an international standard of insurance, along with the confidence that they are here to stay.

Benefits to policy holders:

• Low monthly premiums
• Get cash back with Bucks Back Bonus
• Low excesses from only R975
• FREE roadside, home and medical assistance
• Exceptional service

Get your free email quote today or call 0860 10 43 11

Read more about Dial Direct:

• Cutting out the middleman
  
• Bucks Back Bonus
  
• Free Assistance
  
• Testimonials from customers
  

Click on the links above for an explanation of each benefit.

Contact Dial Direct

Phone: 0860 10 43 11
Website: www.dialdirectsa.com