FACTORS TO CONSIDER WHEN RENEWING CAR INSURANCE IN KENYA

Purchasing car insurance is essential, but it is also mandatory that the policy is renewed upon maturity. Pre-planning is critical when it comes to renewing motor insurance because it not only helps to save money but also ensures no gaps are created when taking up the car insurance cover. Below are several factors you need to consider when renewing car insurance in Kenya.

1. Review your car insurance needs

The policy renewal period is the most favourable time to think of any updates or additions to include in your insurance cover. You must review the previous cover and check how beneficial it was as well as see what else you can possibly add or remove. Additionally, consulting your insurance provider as you review car insurance needs is key because it provides an expert point of view. For example, if you previously had third party insurance, you might consider taking up the comprehensive cover to cover your own damages in the case of an accident.

2. Speak with your current insurance providers

If you are satisfied with the benefits and services provided by your current car insurance company, contact them before your policy renewal time. A certified insurance agent from the insurance provider can also help you with renewing your insurance. However, it is also important to confirm with your insurer whether the auto-renewal is successful and valid.

3. Compare policies and their benefits

Car policy renewal time is a great opportunity to check for other available insurance covers. It is essential that before your cover is renewed, you compare various policies offered by insurance providers. This will help you take up the cover with the benefits that best suit your needs and possibly even help you save money. You must however not blindly choose a policy because of its low prices and should never make assumptions about the cover. Make sure to read each detail of the policy thoroughly and acknowledge how it will provide benefits under different circumstances.

4. Do not let the policy expire

Many make the mistake of renewing car insurance at the last minute. Make a decision in advance and take the necessary steps before the expiration of your policy. This helps you avert situations like being involved in an accident or your car breaking down with an expired insurance cover.

5. Know the value of your car

Knowing the value of your car is imperative. Cars generally depreciate over time and knowing your car’s market value before renewing the insurance cover is important because it determines the cost of your car insurance and keeps you up to date on how much your car is worth. Your insurance provider provides car evaluation periodically in order to assess the value of your car. At Kenya Orient Insurance, our Orient Motor Pack provides you with excess free insurance, with free countrywide 24-Hour Motor Accident Assistance. Get in touch with us or any of our agents today for the renewal of your car insurance.?