Categories: InsuranceNewsReviews
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2023-02-04 1:14 PM

Dial Direct Insurance Company review 2023

By Lethabo Ntsoane
Dial Direct
Type Private
Founded 2003
Address Auto & General Park,
Dainfern,
1 Telesure Ln,
Riverglen
2191
South Africa
Products Vehicle insurance, home insurance, building insurance, Life insurance, Business Insurance
Website https://www.dialdirect.co.za/

Dial Direct is a short-term and long-term insurance company in South Africa that is a subsidiary of Telesure Investment Holdings. The insurer is one of the best in South Africa and has received some of the most prestigious awards in the insurance industry, including the 2021 STI Top Companies Reputation Index.

By insuring with Dial Direct, policyholders receive a number of benefits at no additional premiums. The benefits of using Dial Direct as your insurer include:

  • Access to a free Dial Direct mobile app for convenience. (one can submit and track claims, check bonus details, request policy documents and more)
  • Get 1GB free data for registering online.
  • Managing one’s policy online.
  • Get 24/7 emergency assist benefits on car insurance, home and building insurance policies.
  • Businesses receive business assist benefits.

Dial Direct has a diverse range of insurance products in its portfolio targeting individuals and businesses. Dial Direct insurance products offering include:

The Dial Direct product offerings are discussed below. 

Insurance products offered by Dial Direct

Vehicle insurance products

Dial Direct offers vehicle insurance to different types of vehicle owners. Insurance can be for a car, motorbike, golf cart, watercraft, caravan and a trailer.

Car insurance

Car insurance comes in many different ways. You can get comprehensive car insurance that covers certain risks such as theft, accident, flood, windscreen, fire damage and third-party liability.

Comprehensive off-road car insurance covers cars that are off-road compatible, such as 4×4 cars. Insurance covers theft, accidents, floods, fires and more. Should you exercise good driving habits you can receive up to 75% cashback.

Third-party fire and theft insurance covers third-party negligence or any other misfortunes committed by a third party. You get cover for vehicle theft, third-party damage, towing and storage.

Third-party insurance only covers you should you damage someone else’s property accidentally.

Motorbike insurance

Motorbike insurance covers you for liability if you are in an accident, damage someone else’s property, or if your motorcycle is stolen. The insurance also covers damages by fire or flood.

Caravan and trailer insurance

Comprehensive caravan insurance covers your caravan for accidental damage, theft, high jacking and towing & storage.

The cover also covers against flood, fire, third-party damage, hail damage and accessories that are on the policy.

Comprehensive trailer insurance covers things that can happen to your trailers, such as damage by fire, flood, or accidents.

Watercraft insurance

You can cover the watercraft that you use for sports or leisure. Dial Direct covers watercraft against accidental damage in South Africa, Namibia, Lesotho, Malawi, Mozambique, Zimbabwe, Swaziland and Zambia.

Dial Direct Home and Building insurance products

Home contents insurance

Truth is home contents are the essential part of your home, and for protection, Dial Direct can help.

Dial Direct covers home contents against a wide range of eventualities such as malicious damage, break-in and theft, explosion, lightning, power surges and more.

What you benefit from choosing the Dial Direct home contents insurance is that:

  • Your cover includes the belongings of your guests.
  • You get rewards after 4 claim free consecutive years.
  • The cover includes Veterinary expenses for your pet if he/she suffers injuries in a road accident.

Building Insurance

Dial Direct provides an insurance option that you can take to insure your home.

Your home is arguably the most prized possession a person can own, with the building insurance you get to cover almost everything that is within your compound.

Walls, domestic accommodation, tennis courts, fittings and gates are part of the cover.

Portable Possessions Insurance

Specified Portable Possessions Insurance covers any portable item that is specified on your insurance policy.

These should be listed and be made known to Dial Direct. You can insure your portable tech items, wedding ring and more.

Unspecified Portable Possessions Insurance covers items that are not expensive and that you carry around with you.

These are items that are not listed on the specified portable possessions insurance. Note it should not cost a lot of money and aren’t a hassle to replace.

Dial Direct Life insurance products

Pure life insurance

This life insurance cover, covers between R50,000.00 to R10 Million depending on your lifestyle and dependents.

You can add up to 10 beneficiaries for this cover. There is no waiting period for accidental death. Your family receive up to R50,000 for funeral expenses within 48 hours of your death.

Dread disease insurance

This policy covers you should you get diagnosed with a dread disease. You can be able to maintain your lifestyle while you are unable to work or pay your hospital bills.

Payout is between R50,000.00 to R4 million depending on your cover amount.

Disability insurance

This cover pays out should you become disabled. Payout is between R50,000.00 and R10 million depending on your cover amount and your disability.

Premiums stay the same for the first 2 years when taking the policy. Cover for accidental death is immediate without any waiting period.

Dial Direct Business Insurance

Business insurance covers many areas of business since businesses have many insurance needs for employees and the business itself.

Office insurance: office insurance covers business possessions and equipment in a business office.

You can liken this insurance policy to the home contents insurance as it does the same thing but just in a business environment.

Professional business insurance: This insurance is for those businesses that offer professional services such as law firms, accounting firms etc. As a professional business owner, your business assets are covered against theft loss and damages.

Directors and Offer’s insurance: this insurance covers directors and company officers against unintentional misrepresentation, allegations of negligence and more.

The insurance protects officers and directors from personal loss if they are sued when performing work-related duties.

Errors and omissions insurance: This insurance protects employees from getting sued for negligence by suppliers.

Negligence on the part of the employee includes mistakenly making an incorrect statement or misrepresenting a service they offer.

The insurance further insures for unintentional infringement of intellectual property such as accidental violation of trademarks, copyrights or patents.

Advantages of Dial Direct Insurance Company

  • There are different types of insurance products to choose from.
  • Companies are included in the product offering.
  • There are certain cash back benefits on selected insurance products.
  • Dial Direct provides policy holders with an app that comes at no additional fee.
  • The company has a proven track record of quality service delivery.
  • The company has won multiple awards for reputation and it is part of a chain of insurance companies owned by Telesure Investment Holdings.
  • Claims and covers can be done online.

Disadvantages of Dial Direct Insurance Company

  • The company doesn’t have a rewards program.
  • There is no pet insurance cover which is gaining popularity in South Africa.

Conclusion

Dial Direct offers great insurance deals for both individuals and businesses. The company’s policy of transparency when issuing quotes is clear when advertising its insurance products. There are no hidden costs that come with policies from the company.

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Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted: Email: lethabo@rateweb.co.za Twitter: @NtsoaneLethabo