Who is the BEST car insurance company?

This question is one often posed on search engines on the internet – or debated around coffee tables. This question also reminds me of a phrase from the movies “All questions could be asked, but not all questions should be answered”.

What do you answer someone at this very moment when asked this important question? Your answer will be the subjective expression of your personal experience with a specific insurer and your satisfaction or displeasure with that provider. You might only have experienced the service delivery and performance of one or 2 providers and we need to ask – who is qualified to answer such a question?

But should we even ask about the “Best” car insurance company? To refer to one provider as the best, it implies that we have been able to compare all the providers and determine on a variety of criteria that one provider is better than the others. To illustrate that this is rather complex, if not impossible to do, we can refer to an example from sport.

What would the answer be if we were to ask who is the best athlete? Would it be Usain Bolt, the fastest man over 100m and 200m or would it be Haile Gebrselassie, the fastest over 5000m, 10000m and even marathon distances? Neither of these athletes would be capable of beating the other in his specific items of expertise.

The same would apply to the question which car is the best car in the world? Would it be the fastest, the most luxurious or the safest? Could it be the car with the best fuel consumption? The Car of the Year Award will go the car which, after all these different criteria have been taken into account is perceived to be the best….

Herein lays the dilemma to answering the question of who the best car insurance company would be. We would need to establish which criteria should be used to decide who is “best” and then compare insurers along those criteria.

A good friend of mine earlier this week expressed his satisfaction with a specific direct insurer and how swiftly they responded to his notification of a slight vehicle accident. Yesterday the same guy told me how disappointed he is after his insurer told him that the vehicle cannot be repaired by an insurer approved repairer in Bloemfontein and the vehicle would have to be taken to Kimberley. He now says that he would be without this vehicle for several days.

This illustrates that even though some insurers might be very effective in customer service pertaining to response times, data capturing etc they might be less effective when it comes to the repair phase and making payment for these repairs.

We have decided to write a few blog posts in an attempt to discover how we can decide upon the best car insurance company. This is not attended to name some of the best and shame some of the worst car insurers, but will seek to provide more insight on specific criteria and how they might meet or not meet customer expectations.

The provider who is deemed to be the best car insurance company should comply with these criteria and provide the client with peace of mind that his interests are well covered and his expectation of payment in the event of a legitimate claim will be swiftly complied with!

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