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Frequently Asked Questions

Why do I need car insurance?

It’s illegal to drive with no car insurance. Without it you can’t tax your vehicle, and it provides cover for you, other motorists and members of the public.

What sort of policy should I choose?

The main policy types to consider are third party, third party, fire and theft and comprehensive. Consider the pros and cons of each and choose the appropriate cover for your needs.

Is it cheaper to pay annually or monthly?

It’s always cheaper to pay up front annually.

What is the period of the policy

A motor policy is usually valid for a period of one year and has to be renewed before the due date.

What’s an excess?

Most policies include an excess, which is the amount to be paid by the policy holder in the event of a claim.

How do I work out my car’s value?

Always estimate your car’s value honestly, but an approximate estimation is usually fine as an insurer will typically base a pay-out on market value.

What happens if I have a claim/loss

You need to notify Credsure within 30 days of occurrence and submit all supporting documents.

What are the documents that are required to be submitted for a motor vehicle claim?

The following documents are required to be submitted:

  • Completed claim form
  • 3 Quotations from panel beaters on the recommended list
  • Copy of Driver’s license
  • Police report

Does my insurance pay if someone else is driving my car

The driver should be licensed under the laws of Zimbabwe and authorized to drive by the owner of the vehicle.

What if my vehicle is not drivable after I have been involved in an accident?

You must arrange for the vehicle to be towed to the nearest safe place or repairer immediately or as soon as possible. Towing charges are covered by the policy up to 10% of sum insured.

Is the work guaranteed if I use your recommended repairers?

The work is guaranteed, where problems arise, which is not the norm, Credsure will work with the repairer to manage the issues of concern.

Does the policy cover me outside Zimbabwe

The policy covers you whilst in the SADC region excluding DRC and Angola limited to 45 days any one trip and 90 days any one period of insurance.