27/05/2026
Insurance isn't like your browser history, you can’t just hit "delete".
How it works: Your past five years of claims and driving behavior act as a report card. Every small claim, every fender bender, and every traffic infringement stays on your record, and it directly dictates the premium you pay today.
Think of it this way: while there is no technical limit on how many times you can claim, frequency is a major red flag for insurers.
If you are constantly claiming small, manageable items, you eventually move into the "high-risk" category. To an insurer, a high-frequency claimant looks like a bad investment, and they will price your premium to reflect that risk.
This is exactly where an Alonza broker adds value.
We don’t just process paperwork; we help you manage your claims strategy. Sometimes, claiming for a small item today can cost you thousands in increased premiums over the next three years.
We are here to advise you on when to use your cover and when it is smarter to protect your "report card" for the big stuff that actually matters.
Don't let a string of small claims turn you into a red flag.
Let’s discuss a smarter approach to your portfolio: [email protected] or visit https://alonza.co.za/.
FSP21782
