Reliable and affordable Comprehensive Car Insurance

Car insurance types

We know that every woman is different – from their style and personality to the car they drive every day. This also means that every woman needs unique car insurance when she’s out on the road.  

A great car insurance policy will always put your safety first no matter what car you drive. At 1st for Women, we’ve created different Car Insurance types to suit your individual needs and keep you safe while on the road. These include Comprehensive Car Insurance, Third-Party, Fire and Theft, and Third-Party Only coverage options and Essentials Cover, which offers 3 types of non-comprehensive cover. We know what you need, so we’ve tailored our insurance to be specifically designed for women.

Keep reading to find out more about 1st for Women’s different Car Insurance types and how you can best protect yourself against different situations while you’re on the go.

 

 

Car Insurance from 1st for Women

Even though we know you’re careful on the road, anything could happen to you while you’re driving. That’s why it makes sense to get Car Insurance specifically designed for women. To get a quote for any of our Car Insurance types, you can call us on 0861 11 16 67 or leave your details on our website and we’ll call you back. Alternatively, you can get a Car Insurance quote online in your own time.

At 1st for Women, we go the extra mile for our customers. And that’s why, when asked how easy it is to deal with us, they scored us 9.1*/10.

*Based on customer feedback from internal surveys following service interactions during Aug – Oct 2020.

Frequently Asked Questions
What cover do the different car insurance policies give you?

Individual needs and circumstances call for personalised car insurance, which is why we’ve got different types of car insurance available for you to choose from. Not only are our Car Insurance policies specifically designed for women, but they also come with a host of benefits that will keep you and your loved ones safe on the road. 

  • Comprehensive Car Insurance is our most inclusive option. It provides cover for most situations, including theft, loss, accidental damage to your car, as well as fire and third-party damage. Our 1st for Women Comprehensive Car Insurance cover is an all-in-one package that will provide you with maximum cover.

    • BetterCar Insured value: If you insure your car at BetterCar value, we will pay you out for, or replace your written-off car with, the same model but one year newer (theft-related claims excluded).

 

This policy also comes with our Guardian Angel on Call 24/7 Accident and Roadside Assistance through the 1st for Women app. If your car is undriveable, we’ll send a trackable tow truck to your exact location. We’ll cover the cost of towing, as well as any storage costs you may have after using our tow truck. We will also cover you if you lose or break your car’s keys, lock, or remote.

 

  • Third-Party, Fire and Theft Car Insurance includes cover for theft and fire damage to your car, as well as third-party damage that you may cause to another vehicle in an accident. This does not include accidental damage done to your car. 

 

Also included are some of the benefits of our Guardian Angel on Call. You’ll be able to use our trackable tow truck benefit to assist in towing to the nearest repairer or storage facility. We’ll also cover the costs of this following on from your accident.

 

  • Third-Party Only Car Insurance is the option for you if you’re looking for simple cover. This is basic car insurance that will cover you if you are in an accident that was your fault. 1st for Women’s Third-Party Only Insurance includes any third-party damages and costs/expenses incurred as a result. 

 

  • Essentials Cover: This cover is a non-comprehensive cover, like Third Party, Fire and Theft, and Third Party Only, which means there are some limits to your vehicle cover. There are 3 types to choose from:

1st for Women Essential 1

  • Up to R1 million Third Party Cover

  • Your vehicle is covered if it is stolen

1st for Women Essential 2

  • Up to R1 million Third Party Cover

  • Your vehicle is covered if it is written off or stolen

  • Hail Cover

  • Accident Assist includes towing from the scene of the accident and storage of the vehicle

1st for Women Essential 3

  • Up to R1 million Third Party Cover

  • Your vehicle is covered if it is written off or stolen

  • Hail Cover

  • Accident Assist includes towing from the scene of the accident and storage of the vehicle

  • Limited Accident cover up to R15,000

 

At 1st for Women, your safety is our priority. That’s why our Car Insurance plans offer added support, including Guardian Angel on Call 24/7Accident, Roadside and Panic Button Assistance and Guardian Angels Lifestyle Assistance. You have access to different benefits depending on the cover you choose. Click here to view the Guardian Angel on Call benefits per cover type.

And when you download and register on our 1st for Women App after taking out a Car Insurance policy, you’ll get access to a panic button that will alert external help during an emergency. This could include a hijacking, accident, or any other situation that makes you feel unsafe. It’s available 24/7 and can be used from anywhere in South Africa. 

If you need help choosing between these different types of car insurance covers call us today and we’ll gladly assist.

 

What types of car insurance are there for businesses?

We offer Car Insurance specifically designed for women to help them navigate their world. At 1st for Women, we recognise that you may be looking for a combination of different types of car insurance, so we’re happy to include your vehicle under a Business Insurance policy. 

You can either insure your personal car for business use or take out business-specific cover, depending on what you use your car for. This goes for any of our Business Insurance policies, whether it’s 1st for Business Women (for retail store and coffee shop owners), 1st for Professional Women (lawyers, accountants, engineers), or 1st for Executive Women (women who hold executive positions at their places of work).

 

 

What is car insurance excess?

Dealing with the nitty-gritty of insurance can be complicated. That’s why we’re upfront about payments and claims so you know exactly what you’re in for at any given time. 

A car insurance excess is an amount payable by you in the event of a claim. Insurance companies put excesses in place in order to prevent too many minor or fraudulent claims from being submitted. This helps to keep premiums as low as possible for everyone, including you.

In the event of a car accident claim, you’ll need to pay an excess, regardless of who was at fault for the accident. This is payable whenever a claim is submitted and is the first payment in respect of your claim.

Make sure you always read your policy documents carefully to understand the specific excess payments which may be applicable to you. Also be aware that you might pay more than one excess. For example, if you’re the regular driver on your policy but your child was driving the vehicle at the time of the accident, you will likely pay another excess in addition to the standard one.

At 1st for Women, we do our best to recover your excess if an accident was someone else’s fault. We offer this service at no extra charge.

In order to reduce your excess, you could increase your monthly premium and limit how many people other than the regular driver get behind the wheel of your insured car. 

 

 

Why are some cars more expensive to insure than others?

Where you live affects your car insurance premiums. When a car insurance premium calculator works out the cost of your cover per month, it takes a number of factors into consideration. Insurance providers like 1st for Women look at things like the average number of claims per person in your area, the crime rate, and the general driving behaviour of those around you and how likely they are to be insured. 

Besides these subjective factors, there are a few external influences that will affect how much you pay for car insurance. For example, population density and weather conditions will play a role in determining how likely you are to claim. In a big city with thousands of vehicles on the road and complicated intersections, fender benders are almost a certainty. And a car insurance calculator in South Africa could generate a higher quote for drivers in Johannesburg than those in Cape Town because Gauteng’s harsh winter hailstorms can leave cars in need of repair.

As where you live affects your car insurance premiums, moving will certainly have an impact on how much your cover costs. An online car insurance calculator can provide an accurate car insurance quote that takes into account all of the factors that determine your premium.

 

 

Does cover include towing and roadside assistance?

We will never leave you vulnerable in an accident or emergency. 

Dependent on your cover,  you have access to our Guardian Angel on Call 24/7 Roadside, Accident and Panic Button Assistance. through the 1st for Women App. 

Our Roadside Assist includes help if your car has a breakdown, a flat battery, a burst tyre, a dry fuel tank, or you lock your keys in your car. 

Our Accident Assist benefit watches out for you and your passengers when you’re on the road. It includes a mobile crash detector which alerts us if you’re in a severe accident, emergency medical assistance, a tow truck dispatched to your exact location, a lift to where you need to go following an accident, a Guardian Angel to wait with you until help arrives, and immediate notification to our claims team regarding your accident.

 

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