Vehicle Insurance - Car, Off-road & Motorcycle

Car Insurance

The use of a car in today's busy world allows us access to both business and recreation. It is important to protect our investment should we be involved in an accident or if our car is stolen. Dial Direct Insurance offers cover for theft, accident and third party cover, which refers to money paid to a third party should we be responsible for an accident.

Dial Direct makes the cost of such cover as affordable as possible and your premiums will be determined according to a number of criteria. The criteria include, your age, the type of job you have as well as your driving record. The value and type of  car, the location of the car, what the car is used for and whether or not the car has anti-theft devices or satellite tracking are also taken into account. You can also choose how much excess you are willing to pay which will further affect the cost of insurance.

Living in South Africa is considered to be high risk and this makes insuring your car an absolute necessity. Dial Direct offers comprehensive cover to ensure that you are adequately covered in the event of damage or loss of your car.

Off-road Insurance

As part of the vehicle insurance offered by Dial Direct, cover is provided for your 4X4 vehicle. Many South Africans enjoy the outdoors and having an off road vehicle allows access to all sorts of recreational activities and having insurance allows peace of mind while enjoying such activities.

The vehicle is covered at it's retail price in the event of theft or accidental damage. If you use Dial Directs towline, cover is also provided for towing and storage.

Off-road vehicle insurance also covers accessories, the sound system, spare wheel and the canopy, among other things. Such items are specified in your policy. The same applies should your need to hire a vehicle. Medical cover is also provided up to a limit of R5000 as is compensation to third parties.

There are certain exclusions to your cover, such as driving without a licence or driving a vehicle which is not roadworthy. You need to be aware of these exclusions which can be checked in your policy.

Dial Direct Insurance's off-road Vehicle insurance allows you to play hard knowing that should something go wrong with your vehicle it is covered and you can relax and enjoy your outdoor experience.

Motorcycle Insurance

With the high volumes of traffic on our roads today many people are turning to motorcycles to get from one place to another without the inconvenience of being stuck in traffic jams. As with other modes of transport adequate insurance cover is required to protect your vehicle from theft or damage in an accident.

It important to note that to be covered the motorcycle must not be used for business purposes. As already mentioned insurance covers theft and accidental damage but it further includes standard accessories, should they be lost or damaged with the vehicle, and third party cover, which covers costs should you be responsible for the accident.

Should the motorcycle need to be towed and stored this is also covered under the policy - provided that Dial Direct's towline is used.

Certain exclusions apply under which you will not be covered. These include driving without a licence, driving under the influence of alcohol among others which will be stated in your policy.

Motorcycles offer a convenient alternative to other modes of transport and it is important to make sure that they are properly covered in the event of damage or loss. This can be done in an affordable and efficient manner through Dial Direct's motorcycle insurance policy.