Frequently Asked Questions
What do I need to do to cancel my policy?
We allow a client to cancel without any notice period, but you can give notice to cancel the policy on a future date. Clients normally give notice of cancellation over the telephone. If the client cancels during a month, we are not obliged to refund any premium but we will confirm the cancellation in writing.
What is an excess?
An excess is the first amount payable by a customer in the event of a loss, and is the uninsured portion of your loss, so when you submit a claim you’ll have to pay an excess. When you have to pay an excess for damages arising from an accident, it is irrelevant who was to blame for the accident, this serves to deter customers from submitting minor claims and/or fraudulent claims, and keeping premiums down. It is important to read your policy documentation regarding excesses as sometimes there may be additional excesses depending on the facts of your claim. In most cases we offer a flat excess and we will try to recover your excess from the guilty third party even though there is no legal obligation to do so. This is a service Aquarius offers to customers free of charge.
How can I reduce my excess?
You can reduce your excess by paying a higher premium
How do I submit a claim?
By phoning our Claims Department on 0861 988 896 - You can phone our claims department and they will assist you with your claim. There is no paper-work so you won’t have any forms to fill in.
Why do I need to install a tracking device in my vehicle?
Installing a tracking device in your vehicle can greatly reduce the chances of it being stolen, and assists in the recovery of your vehicle if it is stolen. As the risk is reduced, in the event that you claim for a stolen vehicle, you will enjoy a zero theft excess.
Why do I need a vehicle inspection?
We inspect most cars before providing insurance cover to make sure that the car exists and to record all current damage. If the vehicle has any accessories fitted, these will be noted on the inspection certificate, which in turn speeds up the claim finalisation process. This inspection is conducted free of charge to you. We do not inspect cars which are insured for Third Party only.
When my vehicle is damaged in a collision, can I have it repaired at the panel beater of my choice?
Our motor body repairers guarantee their workmanship and will issue a lifetime guarantee on the repairs, once the vehicle has been repaired. With this in mind our policy is that we repair your vehicle using a supplier on our panel. This also allows us to constantly monitor the quality of the repairs carried out. However, should you insist that you want your vehicle repaired by a panel beater of your choice, we will give you a cash settlement in lieu of the amount it would have cost us to repair your vehicle. In such an event we can obviously not guarantee the repairs of the vehicle.
Why is an additional excess payable if someone else drives my vehicle?
The premium is based on the details of the most regular driver only. We provide cover for someone else to drive the vehicle occasionally without increasing the premium, but with an additional excess payable in case of a claim.