Insurance Care

Let’s be honest, the process of acquiring a new life insurance policy is not the most enjoyable thing in the world. Luckily, advances in modern technology have made it easier to obtain insurance quickly. You can now do everything online, right from the researching to acquiring the insurance quotes to the sign up process.

First things first, simply cut all the time you are wasting reading through endless blogs on insurance. Stop trawling through countless insurance websites or payday loans online providers, hoping that something jumps out at you. Simply choose between three and five insurance companies and focus on them. Read through each of their websites carefully; find out what packages they have to offer and get a good feel for the company and how they can help you. Check out each company’s reputation as far as possible and then hurry onto the quoting process. You needn’t worry because the odds of you finding a good insurance company in your set of three to five are very good.

Once you have your insurance quotes, whip out a pen and paper. Write down everything about each company and what they are offering you in the quote. Once you have done this you can gauge who is offering you the best deal for your money. You should feel that the policy covers everything you need. Do not just rush through the quotes without reading them properly, nor should you just go with the cheapest quote offered to you. Rather take your time to read through everything to ensure that you are getting what you actually NEED. Sometimes paying a bit more is preferable if you are going to get a better quality policy.

As you can tell, it does not have to be a painful process to acquire your new insurance policy. Remember that your insurance quotes will be the key to you figuring out which would be the best company to insure with. If possible, try and reason with the insurance company and see whether you are eligible for any special offers or discounts. Sometimes all you need to do is ask. Remember that this is your financial future in the balance, and you do not want your insurance policy with a company you know nothing about. Your insurance quotes are the key to you learning more about the insurance company and what they are offering you.

Young people love South Africa! Students, interns and tourists visit this beautiful land each year. Many require independent transport, but find it tough to hire cars using cash advance loans due to their age. We cater for all the car rental needs of under-21s (yes that includes individuals under-20 and under-19) visiting South Africa as confide international travelers.

You have read and heard that drivers 18 years old or under 21 have difficulties with the insurance for rental cars, our rental package includes a full comprehensive insurance which covers the entire insurance and there is no excess to be paid. The only restrictions in place for young drivers is that they refrain from drinking alcohol whilst using the car and that they drive carefully and when planning a trip to neighboring countries that they leave enough time to get to their planned destination and back.

This means if you are a foreigner and have turned 18 and you have a valid driver’s license, We can supply you with a suitable car! Therefore, there is no need to stress anymore! Even though your 18, 19 or 20 we believe in your driving ability and will fulfill all your car hire needs.

* See our current Under-19, 20 and 21 Special Deals!

Your main requirements are affordability, reliability and a car that is economical to run. We are committed to meeting these requirements and providing you with great service.

The minimum age for car rental in South Africa, however, is 21 with most car rental and car hire agencies. We believe in our younger drivers. If you are under-21, under-20 or even under-19, but at least 18 years of age with a clean, valid unendorsed driver’s license for at least 2 full years you can hire a car. If you wish to do so for an extended period of time you need to look at maxi-rental, (perfect for 6 to 8 weeks) or for a full Gap Year, the Rental Purchase / Buyback option is ideal for students. The car buyback option is also ideal, if you have had your driver’s licence for under 2 years, as you can still buy a car and we can insure you. Increased excess amounts do apply for under 22, 24, 25 year olds buying a car in South Africa.

Student cars are supplied by the biggest car rental network in South Africa. We are a broker for several renowned local rental companies including Hertz, Avis, Budget, Starcar, Europcar and Thrifty. Through the relationships we have established with these companies we are able to offer a wide choice of modern rental cars for age 18 car hire students throughout South Africa, at rates that are realistic and affordable.

Other conditions of service are also favorable. You are able to collect and drop off vehicles at most cities and airports around the country- or even have them delivered to your door. Unlimited kilometers, insurance (fully comprehensive cover) and border crossing to neighboring countries are included.

Our special ‘under-21′, ‘under-20′ and ‘under-19′ student package is available in South Africa and also to the following countries: Namibia, Zambia, from Botswana to Zimbabwe, Lesotho, Swaziland and Mozambique.

For longer stays in Cape Town, the rental purchase option is well worth considering. From a period of 3 months on, rental purchase (buying a car) makes far more financial sense than standard car rental. Long-term rental for students or interns and the rental purchase option make stress-free transport and traveling in South Africa possible.

Want to incorporate a stint of voluntary work into your internship in Cape Town?

Simply select the organisation of your choice, and once you have signed up and found out the location of the project, your dates and times of arrival and departure- let us know your transport requirements. We will work out the most suitable student car rental offer and email you a quote.

Quick, uncomplicated and free of charge. Compare the quotations and rent your desired car. The following question often pops up.

Why do car renters under 25 have to pay more with rental companies?

Why do car rental companies charge an extra fee for renting to a driver under 25 years or under 22 years for that matter? Some car hiring companies even decline renting to under age renters or have an inflated extra charge per day for the under 24 years 23, 22 or 20 year old. Is this not age discrimination when an “underage” driver has a surcharge on top of his normal daily car rental costs?

The answer is purely the risk to the rental companies. The reason is that young drivers are more susceptible to damage and accidents – it is the same reason why young people pay higher car insurance rates, the world over. To state it bluntly the Rental car agencies incur more risk with young drivers. They would charge the renter the underage charge even if he wants to take the car on his own insurance.

We have developed a package together with the major car rental companies that offer car hire exclusively to foreign underage drivers right down to 18 or 19 years old. The reason being that our foreign travellers have far more stringent laws for their driving licence in their respective countries and do far more practical driving hours at night, during the day on highways and secondary roads and actually clock up a number of required hours of driving before they are allowed to take up a driving licence.

So with our rental package the insurance for the student car rental in Cape Town, South Africa is already included and even drivers looking for 18 year old car hire or under age of 22, 23 or 24 are able to drive a rental car with fully comprehensive cover.

In conclusion, if you hold a foreign passport and are under 21 and have held a clean, valid unendorsed driver’s license for at least 2 years, plus have an adventurous spirit, this package is ideal for you! You won’t have to pay any underage surcharge as required by many other companies and your overall costs will be much lower.

Enjoy a trouble free time in South Africa with a car supplied.

Auto insurance is the policy that protects a vehicle owner or user from liabilities that arises from the possession and usage of the vehicle.

Auto insurance covers a lot of area. Some of them are:

o Comprehensive Insurance: This coverage offers protection for damage to the car that was not caused by accident. These include fire, theft, animals, natural disaster and others, apart from things that are on the exclusion list.

o Collision: This is the coverage that protects you when your car is damaged in an accident and you are at fault. It would pay the expenses for the repair of your vehicle. A car is declared “A write off” or “total loss” if the cost of repair is more than the market value. So what they would do in such a case would be to pay the actual value of the car, minus deductible and then the car would be auctioned off to be used as scrap.

o Liability insurance: This is the minimum required in most states. It covers the payment for expenses incurred if you’re found at fault in an accident. The coverage would pay for medical bills for bodily injury and repair of damage to property of the third party. Some times the cost of the repairs and medical bills maybe way higher than the limits of this coverage. That is why it is wise to have more than the liability coverage.

o Actual cash value: This is paid when the vehicle is destroyed or damaged. The actual cash value is calculated by subtracting the depreciation from the replacement cost.

o Replacement cost: This is the amount it would cost to replace the vehicle in case of damage or destruction, without considering the depreciation cost.

o Depreciation: This is the value of the vehicle as it is affected by wear and tear and age.

In all the 55 states, it is illegal to operate a vehicle without insurance. Because of this, most people just buy the most basic of all the policies in order to save cost. Instead of doing this, I suggest that you take out a little extra time and shop extensively online. Check out quotes from different insurance companies, compare their prices and at the end of your research you’ll be pleased to find out that you did not really need to under insure your vehicle to save cost.