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A Product Evaluation -- Hollard Pay As You Drive Car Insurance

Author : Samson Muric

If you watched tv anytime throughout the day or night this past year you'll probably have seen a Hollard pay as you drive car insurance ad. The insurance coverage company, Hollard, was attempting to release a new product. And they also prevailed quite well. Almost everyone in the country knows about the Hollard pay as you drive car insurance plan. But exactly how does it truly operate?

The very first thing you need to do prior to signing up with Hollard pay as you drive car insurance is estimate how much driving you do in a month. Then you will want to check this mileage with all the drive plans that they have available. This is actually the mileage that you will be covered for every month. Should you exceed this number of kms you will then be charged on a per km price that is based on your risk profile.

Then you activate your own plan if you like the quotation you were sent.

Once you have activated your policy you will go through an evaluation time period to make certain that you are not over or even undervaluing the number of kms you drive in a month that lasts for 8 weeks. To be able to pay for under estimation you get provided a month's worth of kms in the event you drive a lot more than you thought you did. These extra "grace" kilometres expire after 8 weeks.

You might be wondering how Hollard pay as you drive car insurance can keep track of how much you drive. This is done by the installation of one of two tracking devices. You can choose the more expensive SkyTrax device or the somewhat less expensive Hollard DriveMate. The difference between the two is that the SkyTrax doubles as a stolen automobile recovery system while the Hollard device does not.

It might be that you don't drive as much as the drive plan you're on says you can. Do not worry about this. The actual kms that you do not make use of are put into a savings account for when you want to take an extended trip but don't want to pay for the extra mileage as far as you'll be able to avoid it. You also obtain a particular quantity of reward kms in addition to your allotted usage, in the event you have an unpredicted need to travel somewhere.

Another advantage is you get a statement each month which shows you the details of your travelling for the month. This makes maintaining a log book for tax reasons much easier. All you have to have is your Hollard pay as you drive car insurance statement and you've got the details of each trip right there.

Overall it appears as if the Hollard pay as you drive car insurance plan is an excellent one for people who do hardly any driving. It may get expensive if you do happen to exceed the amount of kms you have been allotted, however, if you are cautious that should not occur all too often.

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Submitted : 2011-07-29    Word Count : 870    Times Viewed: 1078