Motor Vehicle Insurance
Insurance Pillar

Motor Vehicle Insurance

Robust coverage for cars, motorcycles, fleets and specialty vehicles.

About this Pillar

Comprehensive Motor Vehicle Insurance from Oakstem

At Oakstem, we understand that your vehicle is more than just transportation — it's an essential part of your daily life. Our Motor Vehicle Insurance provides robust coverage options for cars, motorcycles, commercial fleets and specialty vehicles.

Our partnership with a large panel of insurance companies gives you access to specially negotiated rates for an enhanced cover that includes excess protector or excess waiver, courtesy car, political violence and terrorism, and road rescue.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Motor Vehicle Insurance matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Motor Vehicle Insurance.

01

Comprehensive Cover

Full protection against damage, theft and third-party liability.

  • Own damage
  • Theft
  • Third-party liability
  • Excess waiver options
Learn more →
02

Third Party Cover

Statutory cover for damage or injury to third parties.

  • Bodily injury to third parties
  • Property damage to third parties
  • Affordable premium
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Motor Vehicle Insurance.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your motor vehicle insurance?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

Chat with us