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Emirate Insurance-Free Life And Car Insurance Quote

Why choose Us?

Emirate Insurance is completely independent from our partners. This means we put the interests of you, the users of our site first.

*It is important to note that we receive R0 of your insurance premium as commission. We receive a marketing payment that comes out of a marketing budget. Because it is through a marketing channel, we also can get you better deals than if you go directly!

Choosing the right partners:

We firmly believe that if you are able to get quick and efficient service as well as the cheapest quotes from our partners then your insuranceneeds will be served.
Insurance Broker: We found a broker that caters for both ends of the market and everyone in-between. Whether you are starting out in life and own
How we chose our partners:

Price: we tested our partners against all the other leading Insurers and found that they gave us the most competitive quotes around.

Service: efficiency, reliability and claims handlings are all part of the formula we put together to find you the best deal. We also make sure our partners provide you with extra benefits like lower (fixed) excesses and no-claim bonuses.

We offer the 12 most important ways to reduce the costs of your Insurance:

1) Compare Prices: the difference between the highest and lowest quote is always huge. Why not use our form to get 9 Independent quotes with minimal fuss. Insurance companies are constantly collecting data that will change the price of your insurance, so a company that is the cheapest this year may not be cheapest next.

2) Insure all your items on the same policy: the more you add to a single policy the better the rates should be. insurance companies generally offer better rates if you insure your home contents (and other items) along with your car.

3) Consider taking a higher excess: you could lower your premium by taking a higher excess, but make sure you can afford to pay the higher amount.

4) Do you have a degree or own a company? You could save up to 35% on your insurance. Fill out our form and enquire about our "Elite packages*

5) Essential Insurance - starting at R80 / month: is your car paid-off, older than 5 years or worth less than R50 000? If so there is a limited cover alternative at a cheaper price. *Hint - get a quote from OUTsurance and ask about "Essential Insurance".

6) If you have good credit - you'll pay less: almost all insurers pull your credit report, before they calculate your premium. Studies have shown that someone with a bad credit record is more likely to claim. If your credit history is shaky, clean it up as soon as you can.

7) Fit tracking devices / Immobilisers: you can reduce your premiums by fitting anti-theft devices.

Insure your car for its Market value or list price rather than its Retail Value: this will mean a monthly saving but will leave you underinsured if you have to replace your car. Consider top up cover.

9) Where you live: the area you live in can make a big difference to your premium. The less people that have accidents in your area, the lower your premium will be.

10) Get old fast: one of the advantages of getting older is that your insurance premiums fall. If you are over 25 your insurance premiums will fall - get comparative quotes and see for yourself.

11) How fast is your car? If you're a young driver with a fast car, it's likely you will pay more.

12) Many others, including your claims history; where you park your car; if you use your car for business and even the colour of your car will make a difference to your premium.

Price is not everything - also consider:

1) Does your insurer offer a cash-back bonus for not claiming after a certain time-period? Work this "discount" into your premium and the picture could change.

2) Emergency Home and roadside assistance - some insurance companies offer this as a part of your cover, while it is optional elsewhere.

3) Does your insurer handle claims efficiently and timeously?

4) Does your insurer offer specialty or stand-alone packages for your hobbies like cycling, photography etc?

5) Do you prefer the efficiency of dealing directly or do you prefer the peace of mind using brokers? We have partnered with both.

About the Author

Belle03 was born in Manila on October 3, 1988. She graduated from the Polytechnic University of the Philippines with a Bachelor degree in Broadcast Communication. For several years Belle03 worked as an English Teacher for Koreans in Ortigas, Pasig before getting another position as a secretary in a consultancy office in the same city. She started blogging after her graduation and is now working as a web content writer and an SEO specialist for various sites for local and international clients.

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