August 30 - Like many South Africans looking for the best deal when it comes to short-term insurance you may have settled on choosing Dialdirect. But before you are accepted for a policy with Dial Direct or any other major insurance provider for that matter, you are likely first to be asked a few questions.
For instance, Dial Direct will pose general demographic questions asking you how old you are, your sex, and of course your home address. These questions could impact the rate that you are quoted. Do you live in a dangerous part of town or a safe suburb? Are you a very young, and therefore inexperienced driver? Other questions will also be posed which are used to ascertain how risky it will be to insure you.
When Dialdirect South Africa is contemplating whether or not to offer you car insurance they will first want to know about your driving history. It is important for an insurance provider to know if you have been involved in accidents or received fines, as well as what make and model of car you drive.
This type of information will help them decide whether you are the type of individual that they feel comfortable insuring. Some insurers are quite exclusive in this regard. Once the insurer has decided that you are insurable they will then use your information to calculate the rate to charge you.
Insurance companies like Dial Direct have different rates for drivers that depend on what category of risk you are. Some of us with spotless records and reliable cars may qualify for a lower rate than accident-prone taxi drivers whose vehicle is held together with sticky tape and the power of prayer.
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