<meta name="title" content="Understanding Car Insurance And Finding The Best Fit For You">
Our Name has changed from Imperial Select to Motus Select. For more information click here
Getting a new, or used car is an exciting prospect and should be bolstered by absolute peace of mind as you head out on the roads. You want to know that your vehicle is in great condition and that, should anything go wrong, there will be a safety net to help you recover and get back on the road without too much hassle or unexpected expenses.
Car insurance is vitally important, not only to ensure your car can be repaired or replaced if it's in an accident or stolen but also to keep you covered in case you end up in a situation where you are responsible for damage to someone else's vehicle. If you're in the market for a used car, view our range of top demo cars for sale and find the best vehicle for your style and requirements.
Understanding The Different Types Of Insurance
There are three main categories for car insurance in South Africa, each offering a different range of coverage, based on your needs.
If you've bought your car through bank financing, comprehensive cover is mandatory for the period of time that you're still paying off your car loan. It is the most expensive type of cover but is also the best, in terms of what you're covered for. This type of insurance will cover any damages that occur to your car if you're in an accident, while also fully or partially covering for any damages that occur to another car you're in an accident with. Also, if your car is stolen or hijacked, or suffers extreme fire damage to the point where your car needs to be written off, top-grade comprehensive cover will assist in replacing your vehicle. If you're looking for extensive insurance that will come to your aid in almost all types of incidents, comprehensive cover is your best option.
Third-Party, Fire And Theft Cover
A much more affordable option, this type of insurance will cover you for damages incurred to another vehicle in an accident, and if the owner lays claims against you for damages. In cases where your car is stolen or hijacked, or damaged beyond repair in a fire, your car will be covered. This insurance does not provide any cover for smaller damages to your own car, or repairs needed if you're in an accident. So bear this in mind as it means you will be completely responsible for any costs if your car is damaged or written off in an accident or smaller incident like a fender bender, have a broken windscreen or windows.
This is the most affordable option but only provides cover to repair other cars you're in an accident with. Third-party cover is essentially just to avoid extra expenses if you're liable or charged for damage to another vehicle. With this coverage, you will be entirely responsible for any damages to your car or if it's stolen, hijacked, or suffers fire damage.
Factors That Affect Your Insurance Premium
There are several factors that can affect how much you pay for car insurance, including your age (people under the age of 25 pay a higher premium) and your car insurance history.
1. Car brand, age and colour
The age of your car, what it's market value is, as well as the brand all affect what you'll pay to have it covered. The colour of your car also greatly affects your premium, with white or bright coloured cars which have higher road visibility, costing significantly less to insure.
2. Driver And Previous Insurance Claims Details
Your age, how long you've had a driver's license for and, sometimes, your gender, are all factors in determining your premium. If you've previously had car insurance, you'll need to divulge all details about your previous types of insurance, how long you were insured for, and provide details about any claims you've previously made. You'll also be asked if you've been in a car accident in recent years, as this and previous claims history will affect your premium.
3. Geographical Information
The town and suburb you live in, where the car will be parked at night, and whether it will be in a safely enclosed area or out on the street, are all key factors. Areas with higher crime or hijacking rates are considered higher risk zones and will push up your premium.
4. How Often And For What Purpose You Drive
If you're on the road just to get to work and back, or to do grocery shopping and fetch the kids from school, you'll be at a lower risk level than, say, someone who has to drive around all day for work. Some insurers even offer a special discounted premium for people who don't drive very often or for very long distances, with your premium covering you for a set total amount of kilometres per month. For this option, you will need to have a tracking device fitted to your car so that the insurer can monitor your total distance driven each month.
Premium Versus Excess
This part of your insurance cover relies on how much you are willing or able to pay for your premiums. If you want more affordable monthly premiums, you'll end up paying a larger excess should anything happen to your car. If you want to ensure that your excess is minimal to none after an accident or other incident, you'll have to pay higher monthly instalments on your insurance.
Whatever your ultimate decision with car insurance, always do your homework and shop around a bit - the costs of insurance premiums can vary quite vastly between different insurers. If you're currently in the market for a used car or top demo car for sale, take a look at our selection of high-quality vehicles and remember to bear the importance of insurance in mind.
An important part of owning a car is keeping it in good running condition, but as we all know, services and car parts aren’t cheap. Life is becoming increasingly expensive, so it’s understandable that you’d want to find the most affordable ways to get all those important things taken care of - including your car. If you’re on a tight budget, you’d be happy to know that there is an option beyond genuine parts to fit onto your vehicle, and that comes in the form of generic alternatives. Manufactured and sold at a significantly lower price than what you’d pay for the original parts from the manufacturer, generic parts allow people to maintain their cars on a budget. But what are the differences really, and is it safe to opt for anything generic when it comes to something as important as the set of wheels you drive around with every day? Today we explore what the smartest choices are when it comes to choosing car parts and what to request from the best car repair workshop the next time you visit.
What Is The Difference Between The Two?
Essentially, there isn’t a big difference. Generic parts are typically directly reverse-engineered from the original components and look exactly the same. In fact, often, the difference between the two comes down to a brand name or packaging. Original parts are also called OEM, or Original Equipment Manufacturer, which means they’re the exact same parts your car was fitted with when it was originally assembled. Generic parts are very much like generic medication: they were designed to be exact replicas of the original.
Is It Safe To Have Generic Parts Installed?
A lot of car manufacturers and manufacturer-approved service technicians insist that it’s unwise and unsafe to install generic parts in your vehicle if you care about its longevity and your own safety. However, as long as you purchase parts from a reputable retailer or auto parts franchise, the choice to buy a generic part should be quite safe. One aspect that may differ is that generic car parts may not have the same warranty as original parts - or may not even come with any warranty at all, but this comes as part of the territory as you’re paying less for the part. Another potential problem you may run into is that the actual materials used to make the part may not be as durable as the OEM version, which means it may wear down much sooner and have a reduced lifespan than the more expensive OEM part.
Ultimately, if you’re presented with the option of going for OEM or generic parts, be sure to find out about the reputation of the brand being offered to you. If a trusted car parts franchise sells generic parts and recommends them, you should be quite safe in making the purchase.
Again, just be aware that while the part will cost you significantly less, the old adage of “you get what you pay for” always rings true, so don’t expect the exact same durability and lifespan when asking for a generic part at the best car repair workshop in your area. Get in touch with our team at Motus Select to learn more about our car repair services.
Corne Venter, CEO of the retail and rental division of MOTUS HOLDINGS LIMITED South Africa, discusses the launch of digital brand Motus.cars, the new emotive brand campaign, as well as the importance of having a real dealer network behind all of their cars.
One of the most dreaded things to think about as a car driver or passenger is the possibility of ending up in a car accident at some point in time. No matter how careful and responsible you are, sometimes things go wrong, and situations develop that are out of your control. While the best prevention is vigilance and defensive driving, it’s vital to prepare for what to do if you find yourself in a car accident so you can operate within legal bounds at all times and get your car to a car repair workshop once everything has been dealt with.
Sometimes the sheer panic and adrenaline of a situation like this cause you to want to flee and escape. Whatever you do, don’t ever leave the scene of an accident - you could be criminally prosecuted, especially if there were severe injuries and damage to other cars.
It’s essential to give approaching vehicles a heads up to slow down and avoid worsening the situation. You can do this by immediately turning your hazard lights on and placing an emergency triangle a few meters away from your car, facing oncoming traffic. Make sure that it’s safe, and watch out for oncoming cars before attempting to get out of your car.
If anyone else was involved in the collision or accident, go and check on their condition - if you see that there are injuries and that someone may require medical attention, call for an ambulance or emergency services right away.
If there’s a possibility for other cars to continue passing the accident scene and the road isn’t completely obstructed, move loose panels and any debris out of their way. You can also try to move your car to the shoulder of the road if it’s drivable and safe to do so. If the police arrive at the scene, follow their instructions and don’t move vehicles unless they have made preparations by guiding traffic and saying it’s safe.
It’s imperative to get contact details and other information from all other parties involved in the car accident. You’ll need this for the police report and for any insurance claims you’ll have to make. Be sure to get the other driver(s) full name, ID number, phone number, license plate number, make and model of their car, insurer details, time and date of the accident, and any eyewitness reports along with their contact details. Taking photographs of the accident scene and getting detailed shots of the vehicles will also be very helpful as evidence.
Once you’ve followed these steps, you can contact your insurer’s emergency roadside assistance to collect your vehicle and take it to an approved car repair workshop. If you do ever find yourself in trouble or in need of a fixup, get in touch with our team at Motus Select.
Considering the amount of time we spend driving and the everyday risks involved in being on the roads, it’s worrying to think that perhaps you’re still actually a novice at driving. For most people, that is the case. However, very few people ever continue improving their driving tactics once they’ve gotten their driver’s license. While it’s not really common knowledge that there are many levels to driving skill development, it only seems sensible that you should spend a good amount of time refining and improving your driving style so that you can keep yourself - and others on the road - as safe as possible.
Advanced driving courses offer you the opportunity to become a better driver and teach you crucial skills to avoid accidents and keep your vehicle safe from needing unexpected car service and repair.
Who Are Advanced Driving Courses For?
Well, everyone who drives, basically. Car journalists and professional drivers undergo extra training through advanced driving courses to ensure that they can handle powerful vehicles. These courses can be a life-preserving investment for anyone who wants to drive with more confidence and know-how to handle unexpected situations.
What Do Advanced Driving Courses Involve And What Kinds Are There?
There are various types of courses to take, each offering unique benefits to make you a better driver. Defensive driving courses teach you to be extra vigilant and know what to look out for on the road. You’ll also learn how to steer and counter-steer if your car slides unexpectedly to prevent rolling. Hijack prevention courses are aimed at teaching you what to be aware of in case of hijacking situations, how to understand typical criminal behavior and tactics in this scenario, and how to escape or evade a hijacking safely.
4x4 Driving Courses are ideal for anyone who owns a luxury SUV or 4x4 vehicle and wants to really get the most out of driving them. You’ll be trained on a variety of terrains and be subjected to every conceivable off-road situation, including gravel hill climbs, muddy slopes, uphill and downhill slopes, as well as very challenging dongas and water-filled zones. During this course, you’ll learn about all the various functions of your vehicle and the correct tactics to use to navigate any landscape.
Lastly, there are high-performing courses. This course will have you training on a race track at high speeds to learn how to handle your vehicle, navigate turns, and know when to speed up, slow down, and change gears at just the right time. This is a crucial course for anyone to undergo if they’ve recently acquired a luxury sports vehicle or any vehicle with a high-performance engine and aren’t used to handling so much power.
If you drive one of most of the popular brands in South Africa, including BMW, VW, Audi, Mercedes-Benz, Toyota, and others, you can contact them directly for the contact details of a recommended advanced driving school.
Be safe on the roads and avoid accident-related car service and repair by registering for an advanced driving course today. If you do ever find yourself in trouble or in need of a fixup, get in touch with our team at Motus Select.
The SUV style of motor vehicles has adopted an interesting fanbase over the years, with a surprising evolution in popularity. Initially known to be associated with manly adventure vehicles and sporty families who hit the mountain trails every weekend, it has now also become the vehicle of choice for soccer moms and city-dwelling executives.
The surge in popularity of the SUV has given formerly popular heavy hitters like sedans and station wagons a massive knock down the ranks, claiming a top spot as one of the most desired kinds of vehicles on the market. How did it achieve such a broad consumer interest, and where do SUVs originate from?
Read on to discover some of the lesser-known facts about these vehicles, and you’ll soon be very eager to also look at buying a used SUV for sale.
What The Term ‘SUV’ Actually Means
The notion of an SUV, or Sports Utility Vehicle, is based on the characteristic of a vehicle that is equally capable on the road as well as on rough terrain and more difficult to navigate the territory. Defining features usually include a much higher ground clearance than standard vehicles and often include four-wheel drive capacity. In spite of this general consensus, there isn’t really a specific set of qualifying criteria to decide what makes a vehicle an SUV.
Generally speaking, it’s now become agreed upon that the term is quite a broad classification for a vehicle that has integrated features and capabilities to handle off-road conditions. To further complicate the definition, we also now have several iterations that fall under this classification, in the form of crossover SUVs, mini SUVs, as well as mid-size and full-size SUVs thrown into the mix. The baby boomer generation who were fervent fans of the first and original SUVs may argue that these modern-day versions absolutely do not qualify as the real deal, but if Land Rover and the like who pioneered the commercial SUV, feel it’s valid, who would dare argue otherwise?
SUVs: The Origin Story
If you thought the SUV is a reasonably recent development in the car market, you might be surprised to know that the original SUV as we know it today dates back nearly forty years. According to avid car enthusiasts, the very first vehicle that qualified as an SUV as we now interpret it was the 1984 Jeep Cherokee (XJ), although the main credit for being the original SUV tends to be given to the 1990 Ford Explorer. Inspiration for the modern-day SUV stems all the way back to the Second World War in the early 1940s, with the creation of the Willys Jeep, which could successfully take on almost any terrain to transport people and equipment. Once the war was over, there was no need for these vehicles, but Maurice Wilks - the founder of Rover, which would go on to become Land Rover - decided this concept should be continued and re-imagined a bit. That’s when he took the chassis from a Willys Jeep and combined it with the engine of a RoverP3, built an aluminum body, and introduced it as an agriculture vehicle. The classic Land Rover design it was built on ended up becoming the official vehicle of the British military. Meanwhile, the US government approached Toyota in Japan and requested the creation of a tough military vehicle that would even outdo the Land Rover. Inspired by Jeep and Land Rover, Toyota went on to make what is arguably one of the best SUVs ever produced: the great-grandfather of what would eventually become the Toyota Land Cruiser.
The Expansion Into The Global Market
The popularity and effectiveness of the SUV took off, with military organisations around the world seeking and adopting them as the preferred vehicle for troop and equipment transport. This gave way to the creation and rise of other very popular and well-known vehicle brands, including Hummer, which was introduced to the consumer market in 1992 and was strongly based on the design of the US military’s M998 Humvee vehicle. Ford contributed their part to the market when it first released the Ford Explorer in 1990/1991. The sophisticated luxury brand Range Rover has also unveiled thanks to these origins and was initially a side project of Land Rover to create a larger variant of their models; but eventually, they teamed up with Jaguar to create what became entirely synonymous with the upper crust, luxury vehicles, specialising exclusively in SUV models. This inspired other luxury car brands like BMW, Mercedes, Lexus, Porsche and others to create their own variants of a luxury SUV for the executive consumer market.
What initially started as a solution to military transportation needs to be evolved into a practical and rugged off-road consumer vehicle, which then further evolved into a high-spec luxury-class vehicle. SUVs went from being for adventurers and cross-country travelers to entering the standard road use market but were still beyond the reach of most average-income families and individuals because of the high price tag. It was only when manufacturers of affordable cars like Toyota, Nissan, Hyundai, KIA, and others began creating SUVs that weren’t packed to the rafters with features, thereby making them less expensive, that the global consumer market finally had a chance to own what was always a very expensive and rare type of vehicle to see on the roads. Today, SUVs have become remarkably affordable and, while initially, they didn’t come with any luxury features for the average-income variants, today you can buy an SUV and find some of the most state-of-the-art features as standard, along with some of the highest safety and performance rankings for any vehicle on the market. Knowing all this, isn’t it time you invested in a piece of the historical legacy by getting yourself behind the wheel of a used SUV for sale?