Home Owners Insurance | Household Insurance | Life Insurance

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Insurance, when you think of insurance, whether it's household insurance, home owners insurance or life insurance you kind of think of large fire, storm or maybe a tornado don't you? You always associate disaster with insurance, it's just one of things that leaves a bad taste in the mouth. Well here's one or two reasons people dislike insurance and insurance companies so much;

Insurance consultants are generally PAINFULL (no offense guys/gals)
Insurance costs money
Claiming from insurance can be a nightmare
Not everyone thinks or believe insurance is essential

Reality check people, you can't live without insurance cover and it will always be in your face. So, what we're going to do is provide you with a comprehensive list of insurance brokers that we at Wizard have had the pleasure of dealing with and give you some information pertaining to insurance cover and types of insurance that will save you time and money.

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Home Owners Insurance | Household Insurance | Life Insurance

 

Top 10 Tips - How to save on your insurance

Rates can vary dramatically for the same driver, depending on which company you ask. That’s why it’ll pay you to get quotes from multiple insurance companies by using our quote form.

We offer the 12 most important ways to reduce the costs of your Insurance:

1. Compare Prices: the difference between the highest and lowest insurance quote is always huge.
   Why not use our insurance form to get 8 Independent quotes with minimal fuss. Insurance companies are constantly collecting data that will change the price of your insurance, so a company that is the cheapest this year may not be cheapest next.
2. Insure all your items on the same policy: the more you add to a single policy the better the rates should be. Insurance companies generally offer better rates if you insure your home contents (and other items) along with your car.
3. Consider taking a higher excess: you could lower your premium by taking a higher excess, but make sure you can afford to pay the higher amount.
4. Do you have a degree or own a company? Insurers have special packages that cater for you and you will get substantial discounts.
5. Essential Insurance – starting at R80 / month: is your car paid-off, older than 5 years or worth less than R50 000? If so there is a limited cover alternative at a cheaper price. Ask our partners about “Essential Insurance”.
6. If you have good credit – you’ll pay less: all insurers pull your credit report, before they calculate your premium. Studies have shown that someone with a bad credit record is more likely to claim. If your credit history is shaky, clean it up as soon as you can. 
7. Fit tracking devices / Immobilisers: you can reduce your premiums by fitting anti-theft devices. 
8. Insure your car for its retail value rather than market or list price: this will mean a monthly saving but will leave you underinsured if you have to replace your car. Consider top up cover.
9. Get old fast: one of the advantages of getting older is that your insurance premiums fall. If you are over 25 your insurance premiums will fall – get comparative quotes and see for yourself.
10. If you're young and drive a fast car, your insurance premium will be higher