• WHY HIRE CARS WITH INSURERS SHOULD BE A LAST RESORT

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Most ideal choice would be to use someone other than your own Insurance Company. We know it feels like it is a waste of money to pay annual premiums without having to use it, however we can promise you that your premiums will increase at your next renewal date and even moving Insurance companies will not help reduce it as your claim will stay on record for at least 5 years. 

It is unfair to incur a penalty for an accident you were not at fault for, however if you were to claim through your own Insurer, you are essentially creating more work for them which means salary costs and they will also have to pay for the repair costs upfront before they can recover the costs from the other Insurer, meaning they will have to bear the risk. Not only that, Insurers' systems are designed to always use claims history as a means to calculate your premiums because from their perspective, if you have lodged a claim before then the probability of you claiming again in the future is higher than those who have not, regardless of whose fault the accident was.

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​Even if you were simply only applying for a Hire Car through your own Insurer without having them to repair your vehicle, the Insurers will still require you to lodge a claim in order for you to receive your Hire Car benefits.

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Furthermore, Insurers will often limit not only the cost of the Hire Car but also the Hire Period to just 14 - 21 days.

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• SEE THE BENEFITS FOR YOURSELF

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Benefits in using IMOK just far out weighs any alternatives especially with our Hire Car services as we offer $0 Excess - Damage Waiver to provide our clients a peace of mind while renting. Clients would feel a world of difference from having to drive around in a Hire Car with $5,500.00 Excess (Standard Vehicles) and furthermore you would be required to pay a Security Bond and Upfront Deposit as well before you are able to take the keys. However, this is just the tip of the iceberg.