Understanding vehicle Insurance

When it comes to understanding vehicle Insurance with their terms and conditions along with the small print it can sometimes seem impossible to know exactly what you are covered for and what your rights are.

In this informative article, we are going to look at what questions to ask and what conditions to look out for.


  • What is my excess amount and how did you come to that value?
    • Am I getting a basic flat rate?
    • Or am I expected to pay a percentage based on the value of the claim? For example, 5% of the repair cost with a minimum payment of R3000
    • Or a percentage based on the value of the vehicle
    • If you are a pensioner you can also enquire, why do you not qualify for a full excess waiver?


  • Am I able to opt for a higher premium in order to receive an excess waiver?
    • If yes, what percentage increase in your premium will be charged and what is it being based on?


  • Am I liable for any additional excess’ or penalties examples as follows:
    • Single vehicle accident – additional cost for being in an accident where only your vehicle is involved
    • Licence age – additional costs if your licence is under a certain age.
    • Driver age – additional costs if the driver is under a certain age.
    • Claiming within a certain period of joining the Insurer.
    • Second claim within a certain period e.g. two claims within a 6 – 12 month period



  • How does having made a claim affect my premium? Can I expect an increase after every claim or only annually?
  • I have an In-Warranty vehicle, do you have an Approved Repair Centre in my area?
  • Is car hire covered in my policy and if not, what is the costs to include this?


  • What process do I need to follow in the event of an accident to ensure that I am not liable for any unexpected costs? i.e. Towing charges.
    • Am I covered for towing charges?
  • Does my policy cover third party, fire and theft only or is it comprehensive cover?

We strongly recommend that you always request a copy of your Policy Schedule and familiarise yourself with the terms and conditions thereof.

Being in the industry for as long as we have you can just imagine everything we have seen when it goes to insurance policies and claims being approved or rejected.

We really hope that you find this article informative and helpful.

Giorgio Express Auto Body Repairs is one of the most sophisticated panel shops in KwaZulu Natal. Our staff are highly qualified and experienced. Together with our state-of-the-art equipment, we are able to ensure that you and your vehicle are in good hands. We specialise in complex and intricate repairs, spray painting and polishing of the highest quality.

For more information:

(039) 317 3534 | marco@giorgioexpress.co.za | Directions to our workshop

If you find yourself part of a collision, please contact us on our 24-hour line (072) 612-5747 and we will be there to help.

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Approved service centre for: Mercedes Benz, Smart, Chrysler, Jeep, Dodge, Alpha Romeo, Fiat, Lexus, Peugeot, Citroen, Volkswagen, Ford, Honda, Hyundai, Kia, Nissan, Toyota, GWM, Mazda, Mitsubishi, Opel, Chevrolet, Renault, Isuzu and TATA.

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