• By Admin Weru

5 Mistakes To Avoid When Buying Car Insurance In Kenya Imana Insurance Agency Kenya Ltd

Buying the right car insurance is very significant and important in safeguarding your financial assets. But you can often make critical mistakes during the buying process that can lead to undesirable outcomes. We, at Imana Insurance, want you to avoid making such mistakes and ensure that you buy suitable new car insurance that covers your needs fully.

Here are the top five mistakes to avoid when buying car insurance in Kenya, to ensure you get the best coverage and value for your money:

1. Settling with A Low or Cheap Coverage Insurance

One of the most significant mistakes you could make is opting for a policy with inadequate coverage. While a low-cost insurance policy may seem appealing, it might not provide the comprehensive protection your vehicle needs. In case of an accident or damage to your car, a policy with low coverage limits can leave you with substantial out-of-pocket expenses. Instead, it's essential to assess your specific needs, including your vehicle's value, driving habits and geographical location, and choose an insurance policy that offers sufficient coverage to protect you from unforeseen events. Always choose comprehensive car insurance over basic third party only coverage. This will come with additional features and benefits like excess protector, political violence&terrorism, courtesy car, road rescue etc. Get comprehensive car insurance or third party only quote in Kenya via Imana website https://imana.co.ke/.

2. Not Comparing Available Car Insurance Options Online

With the rapid advancement of technology, buying car insurance has become more convenient than ever. However, some policyholders still miss out on exploring the vast array of online insurance policies available. Online platforms like https://imana.co.ke/ offer a transparent and user-friendly interface, allowing you to compare different plans, benefits, and premiums from the comfort of your home. By not considering car insurance policy online, you may miss out on potential cost savings and policy features that could better suit your requirements.

We have car insurance policies that you can compare and buy online https://imana.co.ke/. Explore the benefits of buying a car insurance policy online at https://imana.co.ke/.

3. Being Economical With Information

When buying car insurance, honesty is the best policy. Some buyers make the mistake of providing incorrect or incomplete information to the agent/broker/insurer to obtain a lower premium. However, this can have severe consequences during the claims process. If the insurance company discovers any discrepancies or false information, your claim may be denied, leading to financial losses and potential legal consequences. Imana https://imana.co.ke/ also advises that you value your car with the help of a professional to ascertain the actual value before or after buying insurance. This way, you remain on top of things.

4. Not Knowing The Application Of the No-Claim Discount

The no-claim discount is a reward provided to policyholders for not making any claims during their policy period. It can significantly reduce your insurance premium upon renewal. However, some car owners fail to manage this discount properly, resulting in its loss. Even a single claim can reset your no-claim discount to zero, erasing the accumulated benefits over time. If you are eligible for a no-claim discount, be cautious while deciding whether to claim minor damages, as it could lead to a loss of this valuable discount. Don’t worry, Imana will guide you along the way.

5. Renewing After Policy Due Date

Allowing your car insurance policy to lapse or expire by not renewing it before the due date is an unfortunate mistake that can expose you to significant risks. A lapsed policy means zero coverage and could lead to legal penalties if you are caught driving without insurance. Also, remember that a lapsed policy may also result in the loss of your accumulated no-claim discount. To avoid these problems, set reminders for your policy renewal and initiate the process well before the expiration date. Imana https://imana.co.ke/, as your insurance intermediary comes in handy to manage your policy throughout the period.

Buying car insurance is a crucial decision that requires careful consideration to protect your assets and ensure financial security. By avoiding common mistakes, you can make a well-informed choice when purchasing car insurance. Also, read our blog on How to Save Time & Money Buying Car Insurance Online before you decide to buy car insurance policy online or offline.

At Imana https://imana.co.ke/ Insurance, we are committed to providing the best insurance solutions tailored to your needs. Remember, the right policy not only offers peace of mind but also saves you from unnecessary expenses in the long run. Drive safe and stay protected! Better Be Insured.

Imana Insurance Agency Kenya Ltd

Westlands, Woodvale Grove, Krishna Centre 4th Floor

Telephone: +254796209402

Email: insurance@imana.co.ke

Website: https://imana.co.ke/