Questions to ask before taking motor cover.

Comprehensive or third-party — what is the real difference?

Comprehensive motor cover is the broader option. It responds to theft, fire, natural disasters, accidental damage, hijacking, and third-party liability. If your vehicle is newer, financed, or carries significant value, comprehensive cover is almost always the more appropriate choice.

Third-party only cover is more affordable, but it only covers damage you cause to someone else's vehicle or property. Your own vehicle is not protected under a third-party policy — meaning theft, fire, or an accident where you are at fault leaves you carrying the full replacement cost.

How is the claim value calculated?

Dikwata Insurance Agency's motor product is built around the principle of restoring you to the position you were in before the loss occurred. Claims are assessed at current replacement cost — not the depreciated book value. This is an important distinction because it means a claim settlement reflects what it actually costs to replace the vehicle today, not what it was worth when the policy started.

Before signing, confirm whether the policy uses market value, retail value, or replacement cost. The difference between these can be significant for older vehicles.

Is your vehicle usage correctly declared?

Most motor policies draw a clear line between private and commercial vehicle use. Using a privately declared vehicle for business deliveries, transporting goods, or fare-paying passengers can invalidate a claim. Declare your actual usage accurately at inception and update it if your circumstances change.

What are the security requirements?

Insurers often require specific security devices — immobilisers, tracking units, or approved alarm systems — as a condition of cover or as a requirement for theft claims to be processed. Ask your agent upfront what security measures are expected, and ensure they are installed before a loss occurs.

What additional benefits are included?

• Medical expenses for vehicle occupants injured in an accident.
• Trauma counselling support following a hijacking or serious incident.
• Cover for lost or damaged vehicle keys.
• Third-party liability for damage caused to other road users.
• Emergency roadside support where applicable.

What should you do immediately after an incident?

Report the incident to the police and obtain a case number. Notify your insurer or intermediary as soon as possible — most policies require notification within a defined timeframe. Take photographs of the damage, gather third-party details, and do not admit liability at the scene. These steps protect your claim from the start.