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Personal Insurance

Information about Personal Insurance

What is Personal Insurance? | How do I get personal insurance? | What are the advantages of PSG Personal Insurance | What are the costs of personal insurance? | Who provides the service and what personal insurance options are available? | Where can I find more information about personal insurance?

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WHAT IS PERSONAL INSURANCE?

When you purchase a personal insurance policy you are protecting yourself against the possibility of loss, damage and liability. The personal insurance company carries that risk and will compensate you when you suffer a loss. In exchange for the personal insurance policy and the associated risk the insurance company charges you a monthly or annual fee called a premium. Your personal insurance premium is based on your risk profile, read more below to find out how the costs of personal insurance works.

WHAT ARE THE ADVANTAGES OF PSG PERSONAL INSURANCE?

Financial peace of mind is impossible without having the right personal insurance cover. PSG can do a thorough analysis of your personal insurance needs to provide you with the best personal insurance policy at affordable prices

Choice: We carefully consider a variety of personal insurance policies, some available on the market and other exclusive to us. We then provide you with a list of options that suit your personal insurance cover requirements..
Affordability: A personal insurance policy can be costly; our analysis of your needs will give you affordable competitive premiums that provide you with the best personal insurance cover.
Low Cost: We add value to your personal insurance policy through products, tariffs and low excess structures that are unique to us and very competitive in the marketplace.
Convenience: We support you in every aspect of the process from the conclusion of your application to the maintenance, from regular reappraisal which improves competitiveness to insurance claims of all sizes
Accessibility: We provide clients access to approved insures and underwriters
Hassle free claims: You will receive access to an expert team providing technical underwriting and claims advice for your personal insurance
Great service: We have our PSG Konsult support network which exceeds 250 branches countrywide supports a wide variety of additional products and other financial services
Rewards: You will earn rewards whether you claim or not
Free Assistance: As a PSG short term insurance policy holder on your vehicle you will qualify for free emergency roadside assist

HOW DO I GET PERSONAL INSURANCE?

STEP ONE : Click here for a free no obligation online personal insurance quote.
STEP TWO : One of our consultants will call you to confirm your personal insurance cover. There are no forms to complete - everything is concluded over the phone.

That's it! You are covered!

WHAT ARE THE COSTS OF PERSONAL INSURANCE?

Personal insurance premiums, like all insurance premiums, are determined based on risk and are calculated to reflect the probability that you will make a claim. Those who are unlikely to claim will have lower premiums than those more likely to make a claim.

Personal insurance companies take many factors into consideration to determine the likelihood that you will make a claim. The factors that insurance companies use to determine personal insurance policy premiums include: age, gender, marital status, location, security, insured sum, construction materials, age of the building, occupancy, contents value, liability limits, additional living expense limits, excess, the type of vehicle you drive, whether your motorcar is for business or personal use, your driving record, claims history, your statistical group and other factors.

WHO PROVIDES THE SERVICE AND WHAT PERSONAL INSURANCE OPTIONS ARE AVAILABLE?

PSG Online offers flexible personal insurance cover to protect you against losses such as theft, accident and third party liability. In addition, our personal insurance cover also protects you against losses due to fire and explosion, and natural disasters like hail and floods.

A Personal insurance policy can consist of the following cover:

Household contents insurance
House owner's insurance
All risks insurance
Car insurance
Watercraft insurance
Personal liability insurance
Personal accident insurance

Additional options which can be added to your personal insurance policy include car hire and cover for non-standard sound systems or other car accessories.