The Key Benefits of Bundling Your Car and Home Insurance

The beginning of the year is the perfect time to make financial changes that will positively impact your year ahead. The only problem is that many of us are feeling the pinch at the start of the year after weeks of festive season spending. You may also be planning some home improvements at this time, like making your house more sustainable. Sadly, many money-saving ventures (for example, installing solar panels to save on electricity costs) come with significant start-up costs.

One way you can save money without spending is by revisiting expenses and seeking money-saving alternatives. Looking for more affordable insurance is a good place to start, and bundling your Car Insurance and Home Insurance could save you a nice chunk of your hard-earned cash.

Here's how Auto&General Insurance can help bundle your insurance costs, and all the finer details to consider.

5 Insurance challenges and the advantages of bundling your policies

While research shows that South Africans shifted away from spending on essentials to spending on luxuries towards the end of 2024, this doesn't mean that 2025 will be the same. It would be a wise idea to look for ways to save at every opportunity — like reviewing your existing Home and Car Insurance.

Insurance is a great thing. It gives you peace of mind and can save you money. That being said, it can also be a purchase that feels like a lot of work — especially when you aren't claiming and experiencing its benefits. Managing your insurance (especially when you have multiple policies) also comes with unique challenges — but bundling your insurance policies can resolve most of them.

1.  The complexity of managing multiple policies

It is rare for a person to have all their insurance policies with one provider, as we tend to take out insurance in stages as our lives progress. We might have picked a particular insurer because they were offering a great deal or met our needs at the time.

However, circumstances change, and we get older and more pressed for time. There's a good chance that managing your multiple insurance policies feels overwhelming. You may have multiple debit orders, different communication channels and lots of paperwork to go through, for instance. 

Moving all your policies to one provider can simplify your admin. Think about it — you can deal with one billing and claims process and a single dashboard overlooking all your affairs in one place.

2.  High premium costs

When you have home, automotive, building and business insurance policies across multiple insurers, there's a good chance you are paying more for each one. Savvy insurers want to streamline your insurance for you and are willing to offer you bundled packages for having multiple policies with them.

If your current insurer hasn't suggested this, it might be a good time to explore other options and look for one that can offer you more affordable insurance — like Auto&General Insurance. In fact, you could even access added benefits, such as reduced premiums or value-added services.

3.  Inconsistent cover limits

Imagine the following scenario — you have several insurance policies with one insurer and Car Insurance with another. One day, you need to make a Home Insurance claim. You follow the claim guidelines and submit the claim successfully. The following week, you make a claim after experiencing a car accident, forgetting that this insurer has a list of claims criteria that differ from your Home Insurance provider.

Upon closer inspection of all your insurance policies, you realise that there are overlaps that could result in your future claims being rejected. Choosing a single insurer can prevent this. They can ensure all your policies complement one another, avoiding any gaps or overlaps in cover.

4. Claims coordination issues

Ever had to place a claim across several insurers?

Then you'll know that this takes up considerable time. Because they do not have access to your entire claim and history or historical documents, you can find yourself waiting for feedback or having to act as a go-between across insurers. You'll need to confirm that no mistakes are being made and that the information being shared is correct and consistent.

With one insurer, they'll have access to all your records and claims, giving you a speedier resolution.

5. Lack of a single point of contact

“Please hold...”

These words are enough to make anyone's eyes roll. It means that despite explaining your claim in detail to multiple customer service representatives.

This is avoidable. By bundling your insurance, you will deal with a single, competent customer services department and there's even a good chance you could develop a relationship with a dedicated representative and be able to contact them for all your queries. This means less repetition and less time spent on correspondence. 

Tips for choosing the right cover

Ready to bundle your Home and Car Insurance? Not so fast. Remember, the benefits come from making the right decisions for your needs, and that means taking into consideration the following:

●  Choose a comprehensive policy where you can. This will offer you better coverage and fewer surprises, even with a single insurer.

●  Look at the benefits versus drawbacks that might come from switching insurance companies, such as termination fees or notice periods.

●  Get to know all of your policy benefits inside-out. Book time with a consultant to ensure you know all policy inclusions and exclusions.

Get a Home and Car Insurance quote

You probably have dozens of questions about bundling your insurance before you take the plunge. For peace of mind, we encourage you to contact us for a Home and Car Insurance quote today so we can help.