Monday – Friday 8.00 – 16.30
Saturday Closed
Sunday Closed


    Regular Driver Misrepresentation
    This is one of the most controversial claim rejection reasons. The reality is that short-term insurance for young people is high, and for good reason. There is a massive difference in the risk, experience and behavior of young adults when compared to that of their parents.

    The difference in risk is indicative to the premiums charged, so when the young adult quotes himself as the regular driver of a vehicle, he could find that the insurance premium is higher than the monthly finance installment of the vehicle. Bad advice from friends or even family leads the individual to change the regular driver on the policy to a parent for a more affordable premium, believing that nothing will happen, or thinking that the insurance company will never know. Unfortunately, all too often, the first claim arises before the client even receives his policy schedule.

    Identifying a misrepresentation on the regular driver at claims stage is not as difficult as people think. The bad advice the individual took quickly turns into a nightmare when the claim is rejected and the client find himself having to pay finance for five years on a vehicle he no longer owns.

    Regular driver misrepresentation is common and financial advisers should ensure that they warn clients against incorrectly insuring the vehicle.


    Motor Vehicle Cover

    With Roadside Assistance

    All Risks

    Cellphones, laptops, cameras and other loose items

    House Holders

    For the Contents

    Liability Cover

    Professional & personal

    House Owners

    For the property


    • David van Breda
      "Thanx for the GR8 service!"
    • Bruce Andrew
      "Thanks Stefan. You are always so efficient, even when the premium comes down. Thanks for all the effort that you put in to be as a good broker as you are."
    • Thanks a million
      Morning Stefan. Thanks a million for your great service. It is highly appreciated, I personally think I made a good decision to work with you guys. It is really a great service. Regards Damian
    • Compliment you on one of your staff members
      Good day Philip, I trust you are well. I just want to compliment you on one of your staff members Stefan. Since I started at this company he’s always been helping me with queries, claims and payments that was not even his. He’s never once not assisted me, always been more than kind, eager to help and slow to anger/NEVER angry when I’m was lost/misunderstood. ALWAYS give feedback… I have never come across anyone who’s as dedicated and helpful as Stefan. Goes the extra mile and even make it his responsibility to help. He’s a true asset to your company and should be in a manager’s position if he is not yet… I wish him all the best and hold on to him for he is living the company values!!! Kind regards Bianca
      I would like to give a HUGE thank you to the guys at First Step Insurance, especially Stefan Everson and Nicole Phillips.
      You guys always go out of your way to assist and help any way possible to lighten the load of claims and or questions. I would like more people to know this. This is why I refer people to your company. Excellent service and always going that extra mile.
    • To Stefan and Nicole
      Thank you, Stefan and Nicole. You guys are the best.....
    • Mr. and Mrs. Swindon
      “Not only was my insurance put into place painlessly, and super efficiently.....EVERY time i have called Nicole Phillips from Frist Step Insurance, i have got first class service, and a speedy solution to a problem. No more problem. Nicole has insured our car, our home, our home contents, and organised our LIfe insurance. A better company you could not wish to be insured with, especially if Mrs. Phillips is on the other end of the line. Thank you Nicole and God Bless