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Why take out motor insurance?
Comprehensive motor insurance provides financial protection in case of personal accidents and damage caused by a collision, theft, joyriding or natural disaster.
As a car owner you are required by law to take out a minimum amount of liability cover.
If you take out a loan to buy a car, the moneylender usually demands that you take out adequate insurance for your car against theft and damage.
Want to upgrade to ENNIA motor insurance?
Switching to another car insurer is easier than you think.
All you have to do is write to your insurer and inform them that you wish to cancel your motor insurance as of the first/ next available date. Your insurer confirms your request and tells you as of which date the insurance is cancelled. If you do not receive such a notification within two weeks, contact your insurance advisor or insurer.
Always arrange your new insurance before the cover of your old motor insurance has expired. The best time to change insurance is before your current motor insurance is renewed for another year.
Upgrade here and ENNIA will contact you within 2 working days to effect the switch.
TPL insurance provides financial security up to the maximum insured sum if you are responsible for an accident that has caused the death or injury of others. You are also covered for the costs of repair of the car you collided with.
For adequate security, it is wise to take out more cover than the minimum amount prescribed by law.
TPL insurance only covers the damage suffered by the other party. If you wish to insure your car against theft or damage, we recommend you take out additional Extensive Casco and SUPER ENNIA insurance. If your car is less than a year old, extended bodywork insurance will entitle you to an entirely new car of the same make and model if your car is a write-off. In the event of a write-off, SUPER ENNIA motor insurance covers you for a completely new car of the same make and model for no less than three years, guaranteed. This is subject to a maximum of 125% of the insured sum.
Often it is not just the car that gets damaged in an accident. The driver and passengers may sustain injuries, and this can have dramatic financial consequences. That's why Passenger Accident insurance is a useful extension of cover.
That would be nice, but it's not always the case. Here are a number of things you have to take into account yourself:
- Deductible Clause: the amount you have agreed to pay before the insurance pays out.
- Exclusions: events explicitly excluded under your policy conditions. For example, willful damage caused to the property of others.
- Damage in excess of the maximum amount: if the maximum sum insured is exceeded by costs which you are responsible for, the costs over and above the insured sum will be fully for your own account.
A number of factors determine your premium. For example, the new-for-old value of your car, your age, and the number of no-claim years. While these are given facts, there are still a number of things that you can do to save on your premium:
- Increase the deductible fee.
- Is your car more than five years old and are you able to cover possible damage to your car yourself? Then you can consider converting your bodywork insurance into a less expensive limited alternative (Limited Casco insurance).
- Ask about our discount packages like Super Driver.
- Drive safely and earn yourself an additional discount of up to 50% each year!
- Install anti-theft system.
- Never leave your car unattended with a running engine or keys in the ignition.
- Always keep the doors of your car locked.
- Do you have a lockable driveway, carport or garage? Use it!
- Never leave valuables in sight inside your car.
- During the night, park your car in a well-lit and un-remote area.
- Remove all removable electronic equipment (e.g. radio) when you park.
- Park in between two other cars. This makes it more difficult for the car to be towed away.
