What are the different types of insurance?

There’s a range of insurance plans that cater to different industries. Most people aren’t aware of how varied insurance can be and which insurance plans are important to have. Insurance brokers in Harrismith can help you choose the insurance plan you need. Here is a list of the many types of insurance available in South Africa: -Property or Home insurance -Car insurance -Travel insurance -Business insurance -Income protection insurance -Legal Insurance (legal cover) -Health insurance (medical aid) -Disability insurance (disability cover) -Funeral insurance (funeral cover) -Life insurance (life cover)

Is it necessary to have insurance?

The thought of paying thousands of Rands for insurance can be daunting. However, the benefits of having insurance usually outweigh the cons. It helps you to manage risks, pay for unexpected mishaps and ensure that your family and friends have a comfortable future. Insurance brokers in Harrismith invest your premium funds securely, so it can grow, and pay out when there's a claim.

What factors influence my insurance premiums?

It depends on the type of insurance. However, common factors for determining your premiums include: -Age -Physical and mental health status -Marital status -Income -Net worth of insured person -Value of insured items -Levels of safety in your home, office, shop etc -The area you live in

What’s the difference between health insurance and life insurance?

It’s easy to get confused between health insurance and life insurance as they are both related to the wellbeing of a person. However, health insurance covers consultations with doctors, medical procedures, hospital fees and medicine. The goal is to have medical funds that aid people in getting the necessary services to be healthier and live longer. On the other hand, life insurance is a policy that means a certain amount of money will be paid out to beneficiaries if the insured person dies. People who have chronic illness or unhealthy habits are likely to have higher life insurance premiums.

How do I submit a claim?

The process of submitting a claim varies between each insurance broker in Harrismith. However, it usually entails contacting your insurance broker as soon as possible and providing them with the claim details. In some cases, you can submit a claim online. Otherwise, you might have to speak to an insurance consultant over the phone or in-person. It’s also important to make sure that all claim information is as accurate as possible.

Why do my car insurance premiums increase each year?

There are plenty of factors that influence your car insurance premiums. The value of your car is constantly decreasing so you’re more likely to need funds for repairs and servicing. Car insurance premiums increase because the cost of repairing a vehicle and replacing parts increases every year. One of the few ways to try and bring down your car insurance premiums is driving it less and having a safe parking area for your car at home.

Featured Insurance Brokers near Harrismith

Ishwar Nehal - Old Mutual

Services Harrismith

Here's To A Financially Healthy 2014. Personal Financial Advice Senior Financial Adviser...

6 reviews

by Kavir, 084****930

Mr Nehal is an outstanding Individual who to me is Driven by the sole purpose of client/customer satisfaction. I found myself stumbling in terms of finding a safe haven to invest my money and at the same time having it grow. Mr Nehal did n...

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Old Mutual Finance

Harrismith

Growing and transforming our business to lead in a responsible and sustainable way. For over 168 years, we have provided financial shelter and nourishment to people and businesses. Old Mutual South Africa aims to serve all sectors of the Sout...

0.0

0 reviews

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Barko Financial Services

Harrismith

Always there for you... Barko Financial Services is a leading micro-finance institution in South Africa. The group offers an ethical and innovative credit solution to formally employed and undeserved employees. Barko Financial Services ma...

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0 reviews

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Alexander Forbes Risk Services

Services Harrismith

Alexander Forbes is a leading provider of financial and risk services internationally. The leading retirement funds consulting and administration provider and corporate health consulting business in South Africa....

1 review

by Mithundra, 083****107

Excellent business, home and personal insurance agency. Great service from Letitia :-)

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Rajeeth Mewalall & Company- Insurance Brokers

Services Harrismith

2 reviews

by Eleesha, 074****807

Absolutely excellent service and experience ! Most efficiently and speedy assistance by rajeeth and sharon mewalall! They are always ready to help with their knowledge in abundance!

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Moosa Allee Insurance Brokers

Services Harrismith

1 review

by Serusha, 073****723

A very helpful insurance broker, explains everything in detail to you and always keeps in touch with you regarding you insurance. I would definitely recommend this broker.

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Graham Kippen and Associates

Services Harrismith

1 review

by Nicolette, 064****047

Highly recommended! I have been dealing with Jo de Souza for plus minus 2 years and have ONLY had excellent and professional service from her. Nothing is too big or small for her to handle, even on a weekend. Jo is a huge credit to Kippen &...

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Ridge & Associates Insurance Brokers

Services Harrismith

1 review

by Rudi, 081****314

The service at this broker is outstanding. They go above and beyond for their clients and very efficient.

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Invesure Financial Consultants Cc

Services Harrismith

1 review

by Trivina, 073****266

Great service. Friendly staff. Consultants are always checking on their clients.

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George Michalakis Finansiele Adviesdienste

Services Harrismith

1 review

by Matsheo, 073****949

Effective.

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Financial Advice

Services Harrismith

1 review

by Riona, 083****797

Mr. Pillay provided me with great service and took my financial needs into account. He was efficient and friendly. I would recommend his financial service to anyone.

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Frequently Asked Questions

What are the different types of insurance?
There’s a range of insurance plans that cater to different industries. Most people aren’t aware of how varied insurance can be and which insurance plans are important to have. Insurance brokers in Harrismith can help you choose the insurance plan you need.

Here is a list of the many types of insurance available in South Africa:

- Property or Home insurance
- Car insurance
- Travel insurance
- Business insurance
- Income protection insurance
- Legal Insurance (legal cover)
- Health insurance (medical aid)
- Disability insurance (disability cover)
- Funeral insurance (funeral cover)
- Life insurance (life cover)
Is it necessary to have insurance?
The thought of paying thousands of Rands for insurance can be daunting. However, the benefits of having insurance usually outweigh the cons. It helps you to manage risks, pay for unexpected mishaps and ensure that your family and friends have a comfortable future. Insurance brokers in Harrismith invest your premium funds securely, so it can grow, and pay out when there's a claim.
What factors influence my insurance premiums?
It depends on the type of insurance. However, common factors for determining your premiums include:

- Age
- Physical and mental health status
- Marital status
- Income
- Net worth of insured person
- Value of insured items
- Levels of safety in your home, office, shop etc
- The area you live in
What’s the difference between health insurance and life insurance?
It’s easy to get confused between health insurance and life insurance as they are both related to the wellbeing of a person. However, health insurance covers consultations with doctors, medical procedures, hospital fees and medicine. The goal is to have medical funds that aid people in getting the necessary services to be healthier and live longer. On the other hand, life insurance is a policy that means a certain amount of money will be paid out to beneficiaries if the insured person dies. People who have chronic illness or unhealthy habits are likely to have higher life insurance premiums.
How do I submit a claim?
The process of submitting a claim varies between each insurance broker in Harrismith. However, it usually entails contacting your insurance broker as soon as possible and providing them with the claim details. In some cases, you can submit a claim online. Otherwise, you might have to speak to an insurance consultant over the phone or in-person. It’s also important to make sure that all claim information is as accurate as possible.
Why do my car insurance premiums increase each year?
There are plenty of factors that influence your car insurance premiums. The value of your car is constantly decreasing so you’re more likely to need funds for repairs and servicing. Car insurance premiums increase because the cost of repairing a vehicle and replacing parts increases every year. One of the few ways to try and bring down your car insurance premiums is driving it less and having a safe parking area for your car at home.

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Featured Insurance Brokers near Harrismith

What are the different types of insurance?

Is it necessary to have insurance?

What factors influence my insurance premiums?

What’s the difference between health insurance and life insurance?

How do I submit a claim?

Why do my car insurance premiums increase each year?

Quote requests posted by other customers for insurance

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