Are your cars insured and where?

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Eugene
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Are your cars insured and where?

Post by Eugene » Tue Jul 10, 2018 9:58 am

Hey All...who here have insured their classics?
Where are they insured and how much are you paying?
Please reply as below

Vehicle: 1960 Beetle
Insurer: Hollard
Value: 100K
Premium: R250/m

Btw, this is not mine....this is just sample data. Am looking to insure my cars.


You can never have enough Garages :-(

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Tony Z
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Re: Are your cars insured and where?

Post by Tony Z » Tue Jul 10, 2018 12:20 pm

Angrrr - fully comp - R100 per month, 100k agreed value
Bus - fully comp - R120 per month, 60k agreed value
need I continue?

Chris vd Merwe, Puma insurance, 083 401 2813

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John Alves
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Re: Are your cars insured and where?

Post by John Alves » Tue Jul 10, 2018 4:51 pm

Tony, did you need to have your cars checked out by mechanic etc?
No sense being pessimistic. It wouldn't work anyway.

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fig
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Re: Are your cars insured and where?

Post by fig » Tue Jul 10, 2018 5:23 pm

@TonyZ: are there any mileage or other restrictions to have classics comprehensively insured for such low prices? Who is the underwriter?
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Tony Z
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Re: Are your cars insured and where?

Post by Tony Z » Tue Jul 10, 2018 8:35 pm

No inspection, but I do know the Chris personally, so it might be different for you.
I think its 8000km per year, personal/private use only. Only nominated drivers.

Best option is to phone Chris and speak to him personally. He does household too, I have everything covered through him.

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Re: Are your cars insured and where?

Post by sean » Wed Jul 11, 2018 9:30 pm

Vehicle: Kombi's.
Insurer: Sean Webb savings account
Value: Bank balance
Premium: R250 each per month

Very seldom needed to claim, money available immediately and no paperwork.

Instead of giving away 90% of my premiums and get a whole whopping 10% back for never claiming, I on the other hand have 100% percent of it.

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Tony Z
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Re: Are your cars insured and where?

Post by Tony Z » Wed Jul 11, 2018 11:18 pm

sean wrote:
Wed Jul 11, 2018 9:30 pm
Vehicle: Kombi's.
Insurer: Sean Webb savings account
Value: Bank balance
Premium: R250 each per month

Very seldom needed to claim, money available immediately and no paperwork.

Instead of giving away 90% of my premiums and get a whole whopping 10% back for never claiming, I on the other hand have 100% percent of it.
You have a point.
My mind works a little different - I dont insure my cars to look after my cars if I do damage to them. Its the R2mil mercedes that I am insuring, should I bump it properly...
R4500 per year for all my 5 VWs... bump a nice car and cause 100k damage (easy to do today) and thats 22years worth of repayments by your method.

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Re: Are your cars insured and where?

Post by Eugene » Thu Jul 12, 2018 12:33 pm

sean wrote:
Wed Jul 11, 2018 9:30 pm
Vehicle: Kombi's.
Insurer: Sean Webb savings account
Value: Bank balance
Premium: R250 each per month

Very seldom needed to claim, money available immediately and no paperwork.

Instead of giving away 90% of my premiums and get a whole whopping 10% back for never claiming, I on the other hand have 100% percent of it.
That's not insurance....it's ignorance :lol:
You can never have enough Garages :-(

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Re: Are your cars insured and where?

Post by Dawie » Fri Jul 13, 2018 12:37 pm

Insurance related only to the driver/owner's liability... shoud he/she drive into someone's R2million Merc. What is available?

Cars generally dont cause accidents while they sit somewhere on their own. Bad driving/lack of maintenace by the driver/owner does.

As an example, someone obviously cant drive all his cars at the same time. The individual person's risk profile to the insurer would be the same if he has 1 car or a collection of 10 cars.

Then optionally the owner might choose to insure his cars against theft or whatever?
Do'nt assume anything- (While doing fault-finding).
"Things should be as simple as possible, BUT NO SIMPLER THAN THAT."
"If something can go wrong, it will go wrong" (Murphy's law).

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