This post was published on Apr 29, 2025 | Updated on Jun 25, 2025
Choosing the right car insurance provider can feel overwhelming, but it’s crucial for protecting yourself, your car, and your finances. With so many options available, how can you determine which insurer is the best fit for your needs? In this guide, we’ll walk you through key factors to consider when selecting a car insurance company.
Understand the Type of Cover You Need
Before you begin comparing insurers, it’s essential to understand the various types of cover that are available so you can choose the one that best suits your needs. The main types of cover include Comprehensive, Third-Party Fire and Theft and Third-Party Liability. Comprehensive cover offers the most extensive protection, including accidents, theft, fire, natural disasters, malicious and accidental damage, windscreen damage, and third-party liability. Third-Party Fire and Theft cover offers a middle ground, covering Third-Party Liability as well as loss or damage to your vehicle due to fire, theft, or hijacking. Lastly, Third-Party Liability protects against financial loss to the third party’s property on behalf of the insured when they're at fault in an accident.
With iWYZE, you can choose the right cover to suit your needs, ensuring peace of mind on the road. Once you’ve identified the cover that best suits your needs, you can start narrowing down your insurer options based on the types of policies they offer.
Consider the Reputation of the Insurer
A car insurance company’s reputation is a key factor in your decision-making process. You’ll want an insurer known for being reliable, financially stable, and efficient in handling claims. To assess their reputation, start by reading customer reviews to get a sense of their service quality. You can also look at ratings from agencies like HelloPeter or Google My Business, which provide an overview of customer satisfaction. Furthermore, don’t hesitate to ask friends and family for recommendations based on their personal experiences. With iWYZE, backed by Old Mutual’s almost 180 years of financial expertise and trust, you can be confident in choosing an insurer with a strong legacy of reliability.
"As an insurance expert when evaluating car insurance, I don’t focus solely on the premium. I take a more holistic approach by considering several other important factors that are often overlooked. These include the excess amount, value-added benefits like cashback offers and excess waivers, and how easily I can reach the insurer—whether through email, WhatsApp, their website, or other platforms. I also look at the range of cover options available, the insurer’s reputation for customer service, and how efficiently and fairly they handle claims. Features like roadside assistance can also set one insurer apart from another. Social media reviews and customer feedback play a big role in shaping my perception as well. In my experience, the real value of an insurer becomes clear not when you're paying your monthly premium, but when you need to file a claim. That’s when responsiveness, transparency, and support truly matter." - Matsidiso Mpini, Claims Relationship Manager: Claims Support & Supplier Management
