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When you take out insurance, the company provides you with a policy document that forms the basis of the agreement between you and the insurer. It is known as the insurance contact. The majority of people never read this document, it is long-winded and filled with legal terms, and jargon – something the average person does not always understand. It will however stand you in good stead if you read it because you will then know what you are insured for and what not. You need to know what the deductibles are as well as the terms and conditions.

If it is a condition of your cover, that your car must be in a locked garage overnight, you will have no recourse if it is stolen from your property when not parked in a garage. Similarly, if the condition for theft cover for your household contents is an alarm system, you will have to arm it every time you leave home and leave it unattended.

The website www.insurancecontract.co.za will tell you more about these and other matters. The site will show you how and where to look for car insurance with reasonable rates. In recent years, it has become possible to get insurance quotes online. There is no more need to phone companies or brokers and to wait for them to answer the phone. It is not necessary to stand in queues and wait your turn to be served. All this has disappeared with the advent of the internet. All you have to do to get insurance, is to go online and look for the company and premiums you want.

The insurance that is made available online is mostly cheaper than the traditional products, purely because the online insurers do not make use of or pay commissions to brokers. This alone can be a considerable saving. Do not think that the insurance you find online is of an inferior quality, many well-known and successful insurers have also taken the internet route. Comparative insurance websites will give you 4 to 6 different quotes and all you have to do, is select the one that suits your needs.