Top 8 Car Insurance Mistakes You should never make before or after buying your car in Kenya
plan for insurance whenever they're
planning to buy a car people don't tend
to forget that
insurance is actually part of the car
buying price process and you should be
able to
factor in the cost of insurance before
you actually buy the car but in this
video i'm going to tell you some of the
things that you should do whether you're
planning to buy a car whether you bought
your car about insurance itself so stick
to the end of the video and i hope you
learned something the first thing that
you want to ensure without wasting your
time guys is to make sure that you have
a valid driving license before you buy a
car by law you're required to have a
valid driving license but in insurance
terms somebody who buys a new car
without driving experience is considered
as a high risk profile so in risk
assessment
where the labor premiums are due so what
you want to ensure is that you don't
really have the just the driving license
but you know how to drive well so most
of us get our driving licenses after
passing exams after being in the driving
school but not all people the people who
learn driving at home then they go and
do exams but you do have experience to
drive on the road so that is number one
number two once you have your insurance
up please avoid making unnecessary
claims i know but most of the times we
attempted to go to our insurers and make
claims it's very important to make
claims but there are things like
scratches maybe
things like small dents you don't have
to go to your insurer every time to
actually compensate you for some minor
damages that you can fix yourself this
one will affect you because it will
raise your risk profile every time when
you go to claim there they actually
update your profile and put you at a
particular point in terms of risk
assessment puja manakuyangapasana and
kama
they are not good drivers so you want to
ensure that small claims you don't go to
your insurer with that you can be able
to actually maintain your profile the
way you assessed i hope you are together
the next thing that you want to ensure
if you really are taking your insurer is
that please show for insurance the way
you're shopping for a car so the first
thing you want to do as you show for the
car
get the value of the car but at the same
time get different quotations from
different insurers that is something
that most of most of us fail to
understand and do before you actually
buy this car so when you get a quotation
from jubilee get a quotation from the
mania get a quotation from old mutual
get those three quotations and you
realize that there's a big variation in
terms of what you are really being
offered so to avoid being exploited to
avoid paying so much it is good to
compare and get a favorable deal but a
favorable deal means that you are also
going to cover this car comprehensively
the next thing that you want to ensure
if you're going to take your insurance
is that at the end of the day you cover
your cars comprehensively
comprehensively means that the car is
covered and you can be compensated to
the value of the car and other damages
arising from that particular
car incident can be compensated so most
of us really think that the way to go is
the
third party that is so wrong and uh if
you are really
spending 1.5 million on a car what is so
hard in spending like 100 000 to ensure
this car
comprehensively i really want to believe
that third party is just high level of
risk that you're putting yourself into
so the third party doesn't really cover
any other thing apart from maybe a small
small cost of the car maybe not even the
car itself
it's only damages down to the third
party as it's being said so
cover your cars comprehensively the next
thing that you want to ensure is that
before you take your insurance you know
i always say
getting insurance at an important part
of the car buying process before you
take your insurance make sure that you
only take insurance from reputable
insurance firms we've done videos on
some of the reputable insurance firms
this video is not sponsored and we are
not trying to promote any insurance firm
but do your research ensure that you put
your money where
there is a listening ear so there are
some insurers i will i've always told
you guys that if you're going to buy a
car do not tell the seller to suggest
for you and ensure take like a month
before you buy your car do your
diligence find out who is the best
insurer what are their rates what is
their response time what is their
turnaround time are they able to respond
whenever there is an issue what are
people saying about this insurer you can
also go to check go and check reviews do
not really rely on your relatives who
works for these insurance because most
of them they're just there to make a
sale so you want to ensure that you deal
with somebody or a firm that is really
concerned about you and whenever there's
something they really respond
another thing that you want to ensure
about insurance is that at the end of
the day
when you're taking your insurance uh
if you have more than one car you want
to ensure maybe three forecasts i'd
recommend that you insure them together
with one farm that one will give you
discount because at the end of the day
is bulk business and most insurers are
really like that so they would be able
to give you good discounts so do not
really ensure your car separately if you
have a fleet insure them with one
insurer another thing that you really
want to ensure is that when you're
taking your insurer there are people who
are called the brokers and agents these
are people who links you with a main
insurer
please be very choosy with the broker
that you're going to deal with a broker
is very very important in the insurance
chain but at the same time there are
people who can really mislead you
because some of them they're just there
to get the business they're not there to
really cover you and when they are doing
the valuation for your car they send
people do evaluation be there and
see what they are doing so that you can
actually agree on the value of the car
that you can be insured we have seen
quite a number of circumstances whereby
the car has been bought for maybe 1.9
million uh when valuation is done they
say the car is 1.6 million that is
something that you can avoid because
once the evaluation report has been
submitted to the insurer you can never
change that
so
please be in the know your car can be
under insured so that
when there's something you still have a
lot of money too to really it's really
really hard on top to to get another car
the last and the next thing that you
want to ensure is that
avoid modifications before you insure
your car or after you've insured your
car modifications such as may be putting
unnecessary wheels
uh putting unnecessary spaces and maybe
springs if you have to do this please
have it within the consent of the
insurer so that they can also
evaluate what what they say is that most
insurance firms say that uh that one
increases the level of risk come out
when i know my guardian
it exposes the car to it makes the car
vulnerable to maybe accidents things
like that you know when a car is made
there's all the measurements are made
and the body to weight ratio and all the
components are matched in a way to give
the car maximum performance and still
keep it on the road so before you do
modifications and what to make x we're
just talking we are together up to this
point before you do any modification
please ensure
that you have the content of your
insurer but at the same time it's not
really that necessary so cover whatever
you want to cover but at the same time
ensure that there's the consent of the
insurer because whenever something
happens you can always be compensated
for what is there i think those are some
of the things that you should be aware
of when you're taking your insurance and
again when you're really following up
your claims you need to have people who
are very responsible people who are very
responsive and insurance firms that
really listen to you i think that is
very important for somebody who wants to
buy a car please do not ignore the
insurance phase and follow whatever told
you so that at least you can have a good
time with your insurer thank you and
that was my video until next episode if
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the next one bye bye
