More and more South African car owners are realizing the benefits (and necessity) of car insurance cover. Because we all want to get our money's worth, we must take the responsibility to educate ourselves about the options.
For the auto insurance, you have 3 general kinds.
Third party cover is very important these days. If you happen to damage somone's personal property such as the vehicles, physical structures, then the third party covers your legal liability. It also takes care of damages caused by fire and the theft or attempted theft of your vehicles as the basic Third party cover includes the Third party fire and theft.
Damage to your own vehicle is covered by a comprehensive policy even if the accident is your own fault. The policy also includes third party, fire and theft coverage, along with coverage when you drive another person's car.
Each of these is suitable for a variety of car owners. Review the benefits of each type and apply them to your own situation. You should also be familiar with the factors that influence your insurance rates. To begin with, your age, job and driving record will have the most influence. In general younger drivers pay higher rates, as will drivers with a history of auto accidents.
It is simple to see the cost of the car you drive determines your rates. The more costly the car, the higher the insurance. High performance cars are also more expensive. Figure out the cost of insurance when you go looking for a car so you find something you can afford.
Where you keep the car and what you use it for are additional considerations. If you plan to park your car in a high-crime area, your rates will be higher. Additionally, you will see higher rates if you have a long commute to work or if you will use your car for business purposes.
You can drop rates if you think about adding a gps system onto your car.
Young inexperienced drivers who are the highest risk benefit the most from finding the right insurance company. In these instances it is usually best to go with a direct insurer who can customize a policy for the driver's specific needs. They do not charge extra for this.
Before choosing an insurance policy, any driver should get the right kind of advice. Various insurance policies might look attractive but a careful decision is needed and in doing so, the driver can choose a policy which is also suitable in terms of budget.
Cars In South Africa
More and more business people make use of car hire in Cape Town, South Africa alone. Rental car companies worldwide serve a broad sector of commuters and the amount of time these people spend driving the cars they rent can greatly affect their health. Car companies have spend a lot of time and money researching business driving ergonomics and came to a few interesting conclusions.
Lengthy exposure to driving in cars have been identified as a risk factor where lower back pain and other musculoskeletal disorders (MSDs) are concerned. Driving more than 20 hours per week (something most sales people do regularly places a person in a higher risk group. Driving forces a person to sit in a constricted position for extended periods of time. Also, cars are increasingly being used as mobile offices with people operating laptops and mobile phones whilst driving, something that poses numerous associated health risks. Contemporary studies revealed that within a group of business drivers, 65% reported lower back problems, 43% described neck ailments, while 40% complained of shoulder discomfort.
There are various ergonomic features to look for in a rental car and adjustability plays a key role in achieving a suitable posture. This can be achieved by employing one or all of the following:
?a seat base with an independent height and tilt adjustment
?a lumbar support that adjusts in/out and up/down
?a steering wheel with in/out, up/down and tilt adjustments.
A lumbar support can be of a specific advantage to the frequent driver provided it is shaped to 'fit' and support the lower back with no pressure points or gaps. However, it ideally needs to be comfortable and adjustable to ensure that it can be altered to suit a person's individual shape.
When using long term car hire in South Africa, medical professionals also advise that travellers should avoid static postures and driving for long, uninterrupted periods of time. It is therefore important to take frequent breaks and to regularly change position. It is also recommended that drivers take a break of at least 15 minutes for every two hours spent behind the wheel. Listen to your body, if you feel any constant discomfort while driving seek medical help.
If back pain persists once you are out of the car you may need to evaluate your lifestyle both at home and at work. There are a variety of factors that can contribute to back pain and regular exercise, and good posture can go a long way to preventing it. If you drive a company car you could ask for a car risk assessment. Always avoid manual tasks like lifting and carrying of heavy objects when experiencing back discomfort.
It is not possible to recommend specific cars as we all vary in size and shape. When it comes to choosing a rental car you will have to keep in mind that a car which suits a 1, 6 meter lady probably won't work quite as well for a 1, 9 meter man. Choose a car that ?fits? you and is suited to your specific needs. Your car needs to be able to accommodate your body measurements and should have a highly adjustable package (i.e. adjustment mechanisms on the seat base, back rest, lumbar support, steering wheel etc.) that can be regulated to provide a variety of optimal driving postures.
With that said, car rental can be a great convenience. Just remember to look at more than the make and model next time you consider car hire in Cape Town, Johannesburg or anywhere else in South Africa. You could save yourself a lot of pain? in the back.
Both Tom Martens.. & Robert D. Thomson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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