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What is BetterCar Insurance?

 

There are various values for which you can insure your vehicle when taking out car insurance. Most commonly, cars are insured for their retail, market, or trade value. These different levels of coverage will affect your monthly premium as well as what you will be paid out by your insurer in the event of loss or damage to your vehicle.

Retail value is the price you would pay for your vehicle from a car dealer and is the highest value for which your car can be insured. Market value is what you could sell your car for on the second-hand market. This amount is affected by various factors, including service history and mileage. Finally, trade value is the average price a car dealer will pay you for your vehicle. This is usually the lowest value of the three.

 

Where your car is insured according to its retail, market or trade value, your insurer will pay out an amount equal to the valuation in the event that your car is written off. The BetterCar Insurance option will replace your vehicle with an equivalent model that is one year newer, or provide a payout of a higher value.

 

What are the BetterCar Insurance benefits?

As the retail, market and trade values of a car decrease over time, BetterCar Insurance ensures that you are able to replace your vehicle with a newer vehicle of the same quality. If there is no newer model of your car, you will be paid out the market value of the written-off vehicle plus 15%.

 

The policy provides you with the peace of mind that you will not be left with a payout that is not sufficient to replace your vehicle. This is what experience looks like when it comes to car insurance.

BetterCar Insurance Benefits

You get AutoSOS automatically. This is a smartphone-based application that detects a severe collision and sends medical help to your location.

Our Assist Benefits come standard with our BetterCar Insurance policies. These include Road, Home, Medical, Trauma, Legal, and Entertainment Assist.

[email protected] is a special product for people over 50 years old designed to enhance their existing Auto & General Car Insurance policy.

Learn more about car insurance

A car insurance calculator assists you with working out how much you will pay in monthly premiums on your motor vehicle insurance.

Car insurance companies provide financial cover for any loss or damage caused to a vehicle as a result of accidents, theft, and other hazards.

The different types of car insurance provide varying levels of coverage. The most common are comprehensive; third party, fire & theft; and third-party insurance.

 

Frequently Asked Questions

What’s the difference between retail, market, trade, & BetterCar?

Retail, market and trade value are the price that a car dealer would pay for your vehicle, what it would sell for on the second-hand market and how much a car dealer would pay for a trade in, respectively. These values will determine the amount that will be paid out if your car is stolen or written off. BetterCar value, on the other hand, covers your car for the value of an equivalent model that is one year newer. In the event that your car is written off, you will be given a payout equal to this amount or the newer, equivalent vehicle. If there is no newer model of your car, you will receive 15% more than its market value.

Why should I insure my car for the BetterCar value?

The BetterCar value ensures that you are able to replace your vehicle with a newer one that has similar specifications. If you are involved in an accident that results in your car being a write-off, BetterCar Insurance gives you the peace of mind that you will not be placed in a position where you are without transport. In our experience, this is the best value that can be added to any insurance policy.

What isn’t covered under BetterCar Insurance?

Vehicles that are more than eight years old unfortunately cannot be covered by BetterCar Insurance. In addition to this, BetterCar does not apply where a vehicle is written off as a result of damage caused due to theft, attempted theft, hijacking or attempted hijacking. Standard restrictions that limit the liability of your insurer in the event of an accident, including the driver not having a valid driving licence or being under the influence of drugs or alcohol, also apply.

Who is BetterCar Insurance suited to?

BetterCar Insurance is a great choice for anyone who wishes to protect themselves from the adverse effects of vehicle depreciation. As car insurance policies usually cover a vehicle for the retail, market or trade value, it is likely that your payout will not be able to cover the cost of an equivalent car in the event that yours is written off. BetterCar Insurance will provide you with a newer car with lower mileage and similar – or better – specifications, or a payout that will allow you to purchase the same.

Will you pay me out in cash or buy another vehicle on my behalf?

The type of payout you receive if your vehicle is written off will depend on the specific circumstances of your case. In some instances, we may replace your car with an equivalent model that is one year newer. However, if you do not want to replace your car or want to purchase a pricier model, you may choose to have an amount that is equal to the value of the newer equivalent vehicle paid to you.

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Comprehensive Car Insurance is an all-inclusive cover that protects you in the event of damage or loss caused accidentally or due to fire and adverse weather, theft, hijacking, and third-party damages.

The damage you cause to another person’s property, and damage or loss caused to your vehicle by fire or theft are covered by Third Party, Fire & Theft Car Insurance.

If you are involved in an accident that causes damage to another person or their property, Third Party Only Vehicle Insurance will cover any liability that may arise.

Scratch & Dent cover allows you to claim to repair chips, minor dents and light scratches on the exterior of your vehicle.

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You can claim to repair or replace tyres and rims that are damaged as a result of poorly maintained roads with Tyre & Rim Guard.

Auto Top-Up covers the difference between the outstanding amount on your vehicle finance and the insured value of your car in the event that it is written off.

Mechanical Breakdown allows you to claim if your vehicle or any of its parts are affected by a mechanical or electrical failure.