Insurance Questions

FAQ - Insurance Questions

Does it cost more to use a broker?

No it does not, as a broker we have special contracts with insurance companies that give us the best rates for you. Our insurers give us a lower cost rate than if you go directly for a quote, mostly because of the credibility we have with them.

What are the benefits of using a broker?

The benefit of using a broker are endless, firstly we find you the most affordable premiums. We also provide you with ethical advice. We make sure all your policy questions are answered in terms of excess, type of cover, claims, premiums and much more. You'll find a more personal relationship between yourself and your insurance service provider.

How are premiums calculated, and why does someone with the same car get a different premium?

Premium is calculated on risk. This means every individual is treated uniquely. Your age, marital status, address and insurance history are factors that effect your premium.

What is excess?

Excess is the amount you pay in the event of a claim, and is the uninsured portion of your loss.

How can I make my premium lower?

A premium can be made lower by the following:

Increase excess:	The higher your excess, the lower your premium.
Get married:	People who are married enjoy lower premiums.
Security:	Ensure that your car/house has security; this will reduce your premium.
Insurance history:	Persons who have had consecutive insurance history for more than one year without claiming, qualify for NCB (no claim bonus). This will reduce their premiums significantly.
Drive safe:	When a person claims, they could lose their NCB, this will increase their premium. Drive safe, claim less, gain NCB.

Can I have more than one item on one policy?

Yes, this is called a multiplex policy. You can have more than one item on your policy. For example car and home contents. You cannot include more than one item if the insured goods are kept at different addresses. As each policy and insurable item is calculated per address.

Can I work for Sure Cover?

Anyone is welcome to contact us regarding their career within the insurance industry. We do have certain requirements that need to be met in terms of the policyholder protection law. For the protection of our clients, it is our duty to make sure our staff are well trained and have the required credits to be compliant with the law. For more information please contact us or use the quick navigation links.

Why Sure Cover?

Honestly ask yourself, would you really want anyone else to service your insurance needs? Sure Cover understands your need for ethical advice. Our preferred product providers are well-established companies that are carefully selected by us, to cater for your insurance needs.