Looking for cheap insurance? Aren’t we all? Well; on this page I want to talk to you a little bit about why opting for cheap insurance quotes may not necessarily be the best decision in the world for you. In fact; those cheap insurance quotes could end up being rather expensive in the long run.

Firstly; cheap insurance may not necessarily cover every single eventuality. There is a reason why insurance companies are able to cover cheap insurance quotes. It is mostly down to the fact that they barely ever have to make a pay-out. If you are going to opt for cheap cover then you absolutely must read through the terms and conditions of the policy first. This way you will know exactly what you are covered for and what you may need to pay for out of your own pocket.

It is also worth noting that making a claim through cheap insurance companies tends to be a lot more difficult. Many of the cheaper companies are looking to break into the world of insurance and they believe that offering some of the most competitive prices around is one of the best ways in which to do this. This is true to an extent. You do however have to realize that many of the cheap companies out there do not have the processes in place to get through claims quickly. Many cheap insurance companies make it their goal to make it as difficult to make a claim as possible. After all; they do not want to make a pay-out. They may even get a team of lawyers in on the case who will do everything possible to stop them from needing to give you the money. In short; the process is not smooth in the slightest. Even if you have a legitimate claim then you may end up walking away from that insurance company with absolutely nothing. This means that it is going to be expensive for you!
If you have a low insurance cost then it is likely that the insurance deductible is going to be rather high. The deductible is of course the amount of cash that you are going to need to pay out of your own pocket before the insurance kicks in. The higher the deductible; the more expensive the policy is going to be. Remember; if you do not have the insurance deductible to hand then you will not be able to make a claim on your insurance. I always recommend that those people who take out insurance policies have their deductible in a bank account at all times. This means that if they ever need to make a claim they can be sure that the money that they are going to need is going to be there for them.

Remember; always read through as many reviews as you possibly can when searching for insurance. This way you will know whether the company that you have selected is of a high quality or not.

Funeral cover is no different. Be very careful not to buy low quality protection. If a provider is unknown, make sure you research them properly. With our service, you can rest assured. We have done the research for you. All providers on our list are trusted and proven. We present only the top providers in South Africa.

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Although we focus mostly on funeral cover, we do provide quotes for various insurance requirements. Funeral insurance is just the tip of the iceberg. If you already have funeral insurance, it might be time to get insurance for all your other needs.

At PrimeSure, we can assist you with more than just a funeral policy. We are registered with Santam, Auto & General, Unity and Frontline. We can help you find quotes for just about anything you need. This can include insurance for a car, bike, boat, trailor or even business.

Short Term Insurance

If you own a car, house or just the contents of your home, you will have heard the term short term insurance. Short term insurance will insure you against loss of your assets. For example, if you insure your vehicle, you can rest assured that if you are involved in an accident, you will receive financial assistance.

Life Insurance

Life insurance is a long term product designed to ensure financial stability when you pass away. Life insurance will usually be a large amount that can settle debt, or even pay for education. Life insurance is a sure way to ensure that your family will not have to struggle financially when you pass away. Unlike funeral insurance, Life cover will take longer to pay out. This can take months to settle. They are not designed to compete against each other. They serve a different purpose.

Car Insurance

There are various options when it comes to car insurance. We can assist you whether you have a luxury sports vehicle, or average soccer mom van. You can insure your vehicle for a wide range of scenarios. You can insure your vehicle for third party only, or even full comprehensive. We want to help you find the best insurance at the most affordable rate.

Home Insurance

Sometimes it feels like our homes are low risk. This does not mean that you do not have to ensure your assets. The last thing anybody wants is to lose everything due to a fire or burglary. Home content insurance does not cost you an arm and a leg. It does, however, provide you with the peace of mind that your belongings are safeguarded against loss.

Business Insurance

A business can provide a lot of joy to its owner. However, if something goes wrong, it can be devastating. It’s important to insure all your vehicles, equipment and even building. If something goes wrong, you obviously need to get back on your feet as soon as possible. Business insurance can assist you at a time when you need it the most.

Funeral Insurance

Funeral cover does not need much of an introduction. We covered the topic in vast detail all over the site. We provide free quotes for AVBOB, Metropolitan & Discovery Life. For more information regarding this product, feel free to visit almost any page on our website.

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Why do I Need Funeral Cover?

Sometimes we forget how important funeral cover is. We all want our loved ones to be fully taken care of during a time of need. If you pass away, the very last thing you want your loving family to do is try and find the money to bury you.

There are various reasons why we need funeral cover. Most importantly, your family needs to have funds available to arrange a decent funeral. If you have a decent funeral plan, your family will have funds available quickly. The faster your family has access to the funds the better. Some funeral cover providers will offer your family in less than 24 hours. This means that your family will not have to go through the stress of finding money.

It’s important that your family has the peace of mind. With funeral cover, if something happens to you, funds will be available to ensure a great funeral. Getting funeral cover for your family is easy. We provide funeral cover quotes from South-Africa’s top providers.

We represent providers that can offer you a tombstone, gravestone, hearse, tents & chairs etc. This means that your family will have access to important services required to arrange a funeral. Some providers even provide a discount if you make use of their funeral arrangements.

It’s great to have funds, but it’s equally important to have peace of mind. You will sleep better at night if you know your deserving family is taken care of. Imagine if you depart this earth and your family might be left with debt. Funerals can be really expensive; your family might struggle financially for a long time after you have passed on.

Get your funeral cover quote today. Don’t wait until it’s too late. We advise you to sign up for funeral cover while you are healthy. Most funeral plans have a 6 month waiting period for natural causes. Anybody can fall ill at any time. Accidents happen every day, no matter where you are.

For a free funeral cover quote, please complete our contact form and we will contact you as soon as possible.

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Affordable vs Expensive Funeral Cover

We often see new and unknown funeral plans that are relevantly cheap. It’s important to understand that it’s not always the better option. When getting a funeral cover quote, you must understand that you get different options. Some funeral plans offer cash only, and some offer cash and funeral benefits. Sometimes it might be better to apply for the comparatively expensive plan.

As with anything in life, the cheaper option might not be as solid and trustworthy. When you apply for affordable  funeral cover, make sure you understand what it offers. Don’t judge a funeral policy solely on the costs involved. Make sure you know all the benefits included in the plan.

We offer affordable funeral cover quotes from some of South-Africa’s top service providers. We have made sure that all the providers we represent have solid foundations. The last thing anybody wants is to discover that there are complications during the claim procedure. Getting funeral cover from a trusted provider will eliminate this unnecessary worry.

When you apply for a funeral cover quote, make sure that you get all the benefits you feel the necessity for. Some policies will give you benefits that will be almost equal to your cash payout. This means that practically you might get almost double your insured amount. A funeral plan with a wide range of benefits might cost you slightly more. At the end of the day, it might save you a lot of time, money and effort.

What we suggest is very simple. If you are shopping around for the cheapest possible funeral cover, be careful. Make sure you educate yourself with the market. There are many reliable sources online. You can find forums and other useful articles all over the internet. Read through as much as possible. This can possible save you a lot of money. Most funeral cover providers will have a minimum risk premium. Additionally you may be charged for great benefits; this is to improve the quality of the product. Sometime paying more will be the better option.

Remember that affordability is very important. Make sure you can afford the option you choose. Don’t over commit yourself. Having a cheaper funeral plan is better than having nothing. However, make sure that regardless of the cost, the provider must have a good reputation.

Getting affordable funeral cover with great benefits can be as easy as 1-2-3. To get quality a great quality plan, simply complete the contact form on our website. We will contact you and explain all the various benefits. If you are satisfied with the result, we can arrange your affordable funeral cover at no extra cost to you.

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We often see terms in the policy wording that we don’t clearly understand. A big misconception is the funeral cover waiting period.

This funeral cover waiting period is an industry standard. The idea behind the waiting period is not to cheat the consumer. It’s simply in place to protect the funeral cover provider. Because there are usually no medicals required, this 6 month waiting period is to protect the provider. Funeral service providers will usually give you the benefit of the doubt. This is why there will be no medicals required. You don’t have to look very far to find funeral cover with no medicals.

Why Does the Funeral Cover Waiting Period Exist?

If there is no waiting period, a lot of claims will arise from clients on their death beds. If there is no funeral cover waiting period, most people will wait until they get diagnosed with a critical illness before they apply. This will mean that the providers will have no security that you are healthy when you apply. This is an industry standard on most legit funeral plans.

When is the 6 Month Funeral Cover Waiting Period Relevant?

With funeral cover, the waiting period will usually be relevant for natural causes only. This means that you will still be covered for accidental death. Accidental death will usually be active from your very first premium. There will most likely be no waiting period for accidental death. As a matter of fact, most funeral policies will have additional benefits to make up for the natural cause waiting period. For example, providers like AVBOB will payout double if you die as a result of an accident.

Another reason why funeral cover providers need to protect themselves is AIDS/HIV. Because most decent funeral policies do NOT exclude AIDS, Cancer and other terminal illnesses, they need to protect their company. The funeral cover waiting period will most likely not affect you. As long as you take out the funeral policy while you are healthy.

Funeral Plans with NO Waiting Period.

This is a very interesting topic. From our experience, we have not yet found a quality funeral plan with no waiting period. We have, however, seen some prepaid options where you have no waiting period on your funeral plan. We always suggest to our clients to be very careful when looking at funeral policies with no waiting period. There are a lot of scams and fraud in the industry. This waiting period is very important for the funeral cover providers to function properly. If a company claims they have absolutely no waiting period, you must be very careful. If you find a funeral plan with no waiting period, be sure to read the fine print, and do your research before you commit to anything.

When to Take out a Funeral Plan

We suggest that you embrace the waiting period on your funeral plan. The providers are definitely not out there to get you with the clause. Be sure you take your funeral plan while you are healthy. This means that you will most likely pay your premiums for 6 months before you pass away of natural causes. Always remember that you will still have cover for accidents. This includes murder, car accidents, highjacking etc. You are never to young to die as a result of an accident. Getting funeral cover while you are healthy is the intelligent thing to do.

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At Funeral Cover ME, we don’t have access to the provider’s databases. This means that we can’t change basic details like ID numbers and banking details. We are aimed at issuing new funeral policies and funeral policy quotes to the general public. The contact details below are used to change information on your existing funeral policy. If you have a policy and want to add new members, we can arrange this directly from our contact form. At Funeral Cover Me, we do not handle claims in any way. We will do our best to assist you where ever we can. If you contact the numbers below, you will be able to get all the required details. At Funeral Cover ME, we strive to offer our clients the best possible service. If you require the contact details for your provider, please check below:

AVBOB Funeral Cover Contact Details:

Tel: 012 303 1000

Email: info@AVBOB.co.za

Metropolitan Funeral Cover Contact Details

Tel: 0860 724 724

Email: info@metropolitan.co.za

KGA Funeral Cover Contact Details:

Tel: 086 1000 542

Email: info@KGA.co.za

Funeral Policy Changes

If you have an existing funeral policy, you can contact your provider on the above details. You can make changes like banking details, address and other changes. If you struggle with the provider contact details, feel free to ask us for assistance. Even though, we can’t access their systems, we will do our best to assist you where ever we can. We do get a lot of general requests from clients. Mostly they want to find out more about their funeral policies. On the same contact details, you can get more information, claim, and change details. We want to use this opportunity to thank our clients for their support and loyalty. We do our best to make taking a new funeral policy as quick and easy as possible. Please note that it does not cost you extra to make use of our system. Our funeral policy quotes are from some of SA’s top providers. If you are happy with your funeral policy quote, we can arrange your cover free of charge. If you need any additional information, feel free to contact us.

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AVBOB Funeral Plan Explained

With the AVBOB funeral plan, you know you are in good hands. AVBOB was established in the early 1921. This should be proof that they have all the required experience in the industry. With the AVBOB funeral plan, you will receive all the services required to arrange a decent burial. Because AVBOB has been in business for so long, they can provide most services in-house. The advantage will be that you will definitely be able to get everything done from one provider.

Some benefits on the AVBOB funeral plan include:

• Free transportation of the deceased anywhere in South-Africa.
• Free use of their cooling facilities.
• Free use of the hearse and lowering device.
• Free use of the tents and chairs at the gravesite.
• Free local telephone calls.
• R2000 discount on a tomb of your choice. Etc.

The above benefits are free of charge if you make use of AVBOB to arrange the funeral for you. You will still get your insured amount in cash. This money can then be used for additional services, or anything you require. AVBOB will pay the cash benefit within 48 hours of receiving your required documents. This money can be used for fresh flowers, catering, house tents, family cars etc.

In short, with the AVBOB funeral plan, you will receive cash and free benefits if you make use of AVBOB to arrange your funeral for you. You can include extended family and direct family. You can include your life partner and unlimited dependent children. You only pay for the first child; the rest will be covered for free. Children can be covered up to the age of 21, unless they are full time students. If your child studies full time, you can cover them up to 25 years. You can choose between R5000 & R50 000 cover for the applicant.

AVBOB has been around for a very long time. Most people in South-Africa know and trust them. They provide a hassle free claim procedure with solid benefits. With the AVBOB funeral plan, you can rest assured that you are taken care of. The very last thing we want to worry about during the death of a family member is the burial process. AVBOB makes it as convenient and stress free as possible.

If you are looking fora large group, or individual funeral cover, the AVBOB funeral plan is for you. They provide affordable funeral cover with amazing benefits.

Should you require more information regarding AVBOB or the AVBOB funeral plan, feel free to contact us at any time. We can arrange your free quote, and if you are satisfied, we can arrange your cover for you. You don’t even have to leave your house. We can arrange your in the most convenient manner. Our service does not cost you any additional fees.

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Funeral Cover Me recently teamed up with a well-established financial institution. We now offer our clients a new, innovative product. We always strive to bring the funeral cover industry in South-Africa an easy and affordable way to do business.

Are you interested in starting a burial society or funeral parlour? Do you currently have an existing burial society or funeral parlour? This is exactly the page you need to be.

We now offer a very competitive product for funeral parlours. If you want to start a new funeral parlour, or have an existing funeral parlour, we have a great product for you. We now offer funeral cover for funeral parlours and burial societies. The premiums are extremely low. This option is only available to funeral parlours and burial societies.

 Funeral Cover for Funeral Parlour Benefits:

• Extremely Low Monthly Premiums.
• Tailor-made Solutions for Every Client’s Exact Needs.
• Claims will be Settled Within 48 Hours (If All Documents are received).
• Multiple Claim Protection – Avoid Financial Strain.
• Financial Freedom Workshop
• Premium Guidance
• Waiting Period Waiver. – Depending on the Size & Age of Your Existing Group.
• Finance & Administration Assistance.
• Financial Advice Available.

Start your own profitable organization today. With the above product, you will receive the guidance and assistance to start your own funeral parlour. There is a massive market in South-Africa for funeral parlours and burial societies. Unfortunately, nobody lives forever. Being able to support families in a desperate time can be very rewarding. Everybody in South-Africa must have some sort of funeral cover. It’s vitally important to take the financial strain of your family members if you pass away.

If you have an existing funeral parlour, it does not matter if you have 10 or 10 000 clients on your book. We can arrange your book to be transferred to a very competitive rate with great benefits. With this product, you can also get assistance and advice regarding your existing venture. We can help you improve or start your society.

This product does not apply to companies or normal large groups. For funeral cover for normal groups or companies, please visit the following page. Click Here

You can request a free assessment to determine your company needs. This product is aimed at churches, funeral parlours, burial societies etc.

For more information regarding the above product, feel free to contact us. Start or improve your funeral parlour today.

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For many of us, December is a time for fun and joy. A lot of South-African’s will go on holiday with their families. Unfortunately, this is not a time of sun filled activities for everybody. Not having comprehensive funeral cover during this time can have catastrophic results.

According to Arrive Alive, the following statistics are based on December 2011:

• 1474 people had fatal car accidents from 1 Dec 2011 – 11 Jan 2012.
• Most vulnerable ages 18 -29.
• Most common crash time 19h:00 – 23h:00.

Most common causes of accidents:

• Speeds too high for conditions.
• Dangerous, reckless and/or inconsiderate driving.
• Abuse of alcohol by both drivers and pedestrians.
• Driver fatigue
• Vehicle fitness, particularly tyre failure and defective brakes.
• Various pedestrian negligence.

December is a festive time; the last thing we want to do is have negative thoughts. The reality, however, is that a lot of accidents happen during this time. Many people postpone getting comprehensive funeral cover during this period, simply to use the money for fun activities. This can be the worst decision you can make. The cost of getting comprehensive funeral cover for a month is less than taking your family out to a restaurant once. Not having comprehensive funeral cover during this time can cause your family a lot of grief if something where to happen.

During the holidays, often the cause of the accident can be as a result of a drunk driver. Drinking and driving during the holidays can be a fatal mistake. Don’t EVER drink and drive. We also all know that sometimes it’s beyond our control. A drunk driver can crash into your vehicle, even if you abide the law. So don’t assume because your family is responsible that nothing can happen to you. Accidents happen all the time. We can’t control when and where an accident might occur. Being prepared for the worst is the responsible thing to do. Comprehensive funeral cover does not have to cost your family a fortune. Don’t regret not spending just a little extra on your holiday preparations.

Don’t delay; get your comprehensive funeral cover before you go on holiday. It’s not worth taking the gamble. Getting an affordable funeral plan is easy. Simply complete our contact form anywhere on our website. A friendly consultant will give you a call to explain everything to you.

We wish everybody a safety festive season. Please be responsible, don’t speed and definitely don’t drink and drive.

Thank you for your continued support during 2012.

We wish you a very Merry Christmas and a happy new year.

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A very important factor to consider when you compare funeral cover is your own needs. Most funeral plans will cover the basics. You need to establish what the required covered amount is. Armed with this information, it will be much easier to make an informed decision. We always advise our clients to compare funeral cover before requesting a quote.

Usually the most important benefit will be your cash pay-out. The main aim of getting funeral cover is to cover the costs of the funeral. It’s always nice to have additional benefits, but this should not be the focus point. Firstly, you need to look at the insured amount compared to the funeral plan cost.

Secondly it’s a smart thing to look at the additional benefits. Some funeral cover providers will give you an additional cash pay-out if you die as a result of an accident. It’s necessary to use this information when you compare funeral cover providers. Most providers need to lure customers with great additional benefits. This is sometimes the only thing that sets them apart from their competitors. Use this to your advantage when you compare funeral cover. Familiarise yourself with all these benefits.

All the funeral cover providers we represent are trusted. They all provide great service to a large amount of South-African people. We represent AVBOB, Metropolitan and KGA Life. These providers have all shown great success. We made sure that we represent a broad range of providers. AVBOB Funeral cover provides a great cash & funeral services policy. Metropolitan offers a great cash only funeral plan, and KGA offers great living benefits. Selecting the right type of policy is important to ensure financial stability in a time of need.

It’s great to compare funeral cover online. Using his method you can see all the benefits in one place. We have listed all the benefits the providers offer. This way you can study every provider before you choose the most relevant one. Feel free to use our website to improve your knowledge about funeral cover. Remember, our quotes are free.

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