Choosing the right insurance product
Choosing the right insurance product is about finding quality insurance that provides the right level of cover at the best price.
Any insurance products you choose should be underwritten by a reliable and well-established insurance company.
An experienced insurance broker working in partnership with a reputable insurer will help guide you through the various policy options, and provide you with customised quotes, so you can choose the insurance products that fit your budget.
Choose the appropriate level of cover. Perhaps, on balance, you do not need comprehensive motor cover for an older vehicle. In such cases, you can save money by switching to a more appropriate level of cover.
In other circumstances, you may be underinsured. For example, your household contents may be insured for their cash value, but you might find this to be inadequate protection. In such a case, you would elect to insure your home contents for the cost of replacing those goods.
Many people prefer an insurance product that allows them to cover dependents and relatives. Make sure when choosing life insurance, and other personal insurance products, that your policy provides extended cover as you deem important.
Make sure that you are aware of any exclusions or limitations relating to your policy. An affordable premium is of little use if you are not covered for likely risks. You should also educate yourself about the excess fees and other charges attached to an insurance product. Choosing the right insurance product is about balancing these various potential expenses against the cost of your premium.
Businesses involved in certain industries will frequently benefit from specialised commercial insurance cover. Antique dealers and shipping companies will have very different insurance requirements, and should engage with a specialist commercial broker to help them find the products best suited to their fields.
Hollard provides a flexible range of quality insurance in South Africa. Speak to a Hollard insurance broker for custom insurance cover.
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