Keep to your end of the deal with your car insurer
Never forget that your car insurance policy is a contract so you a dealing with a legal agreement when you negotiate with a car insurer.
Apart from making sure that you pay your monthly premium on time, you must always abide by the rules stipulated in your insurance contract. Honest dealing is the way to go.
Failing to keep your end of the bargain could result in a claim rejection so it’s up to you to ensure that you read the fine print and comply with all the conditions.
Don’t lie when dealing with a car insurer
Several variables can affect the cost of car cover premiums. The law requires you to disclose all information to the insurance company, so don’t lie in an effort to reduce the cost of your premiums.
Do not withhold any information from the insurance company and be honest about the driver of the vehicle. Also, disclose 
any past accident for which you have claimed.
Remember, not telling the truth in applications can be interpreted as insurance fraud. It will invalidate the policy and lead to a claim rejection.
Stick to the conditions of the contract
When taking out insurance you have to stipulate how the vehicle will be used. In other words, will it be for social, business or commuting use?
If you are involved in an accident under circumstances not disclosed to your insurer, the cover will not be valid.
What are the main points of an insurance contract?
Every insurance company uses rating factors to peg premiums. Here are some of the main points that motorists must answer, and remember that honesty is of utmost importance.
- Location
- Age and gender of driver
- Marital status
- How many years since obtaining license
- Driving history
- Claims and credit history
- Vehicle make and model
- Annual mileage
Risk factors
Risk factors do not always work out exactly the same between various insurance companies, so it is always advisable to shop around for the best product to suit your needs and budget.
Factors that will weigh in favour of lower premiums are clean driving records and good credit scores.
By striving to control risk factors, motorists will obtain better and lower rates from insurance companies.
Conclusion
Always read the fine print of the contract and understand the terms and conditions such as excess payments for which you will be liable in the event of a claim, any exclusions written into the agreement and the names of any other individuals who may drive the vehicle.
Maintain the vehicle in good roadworthy condition and avoid claim rejections.
Always drive responsibly and do not drink and drive.
Keep to your end of the deal by putting into practice what you undertook to do such as parking the vehicle in a securely locked garage and not leaving it outside on the street.
Inform your insurance company if your vehicle undergoes any modifications, such as an engine upgrade, to ensure the validity of your cover.
Always keep your insurance company informed of changes to personal circumstances such as moving home. Failure to do so could invalidate the policy and lead to claim rejection.
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All info was correct at time of publishing December 18, 2017
