Author: team dotsure.co.za

  • WHY DO INSURANCE PREMIUMS INCREASE?

    WHY DO INSURANCE PREMIUMS INCREASE?

     

    Nobody enjoys a price increase. Petrol, medical aid, gym memberships… They always seem to be going up. And insurance premiums are no different. But before your inner Karen comes out and asks to speak to the manager, let’s unpack the reasons behind premium increases and what you can do about them.

    RELATED: HOW INSURANCE COMPANIES CALCULATE YOUR PREMIUMS

     

    Common Reasons for Insurance Premium Increases

    Inflation & Rising Costs

    Like groceries and petrol, repairs, vet treatments, and labour costs increase over time. If mechanics, vets, or spare parts become more expensive, insurers adjust premiums to keep up.

    Increased Claims in Your Area

    If your neighbourhood has more thefts or accidents, insurers may see it as a higher risk, influencing your premiums.

    Changes in Your Circumstances

    Moving to a new area, upgrading to a more expensive car, or adding a new pet to your policy can impact on your premium.

    Market Trends & Regulations

    Economic shifts, supply chain issues, and new regulations can also affect how premiums are structured.

     

    How to Keep Your Premiums Manageable

    Keep Your Claims History Clean

    The fewer claims you make, the less risky you appear to insurers — helping to keep your premiums steady.

    Choose the Right Plan

    Pick an insurance plan that matches your needs. Being underinsured can leave you exposed, but overinsuring can mean paying for cover you don’t need.

    Increase Your Excess

    A higher excess means lower monthly premiums, but only if you can afford the excess in the event of a claim.

    RELATED: CLAIMS 101: UNDERSTANDING POLICY WORDING

     

    Save with Insurance

    The bottom line? Insurance premiums aren’t random price hikes. They reflect real-world costs and risks. But by making smart choices, such as choosing the right insurance company (it’s us, dotsure.co.za), you can help keep your premiums in check while staying covered when you need it most.

    Are you looking for affordable car, pet, home, or business insurance? Visit dotsure.co.za today!

  • THINGS PET INSURANCE DOESN’T COVER

    THINGS PET INSURANCE DOESN’T COVER

     

    Pet insurance can be a lifesaver when unexpected vet bills pop up, but it’s just as important to know what’s not covered. Every policy has exclusions (areas where cover doesn’t apply), and these can vary between providers. Knowing what to expect upfront can save you from any surprises when it’s time to claim.

     

    Does Pet Insurance Cover Pre-Existing Conditions? 

    One of the most common things pet insurance won’t cover is pre-existing conditions. These are illnesses or injuries your pet had before your cover started or during the waiting period. Most insurers won’t cover ongoing or chronic health issues diagnosed before you signed up.

    RELATED: COVER FOR HEREDITARY CONDITIONS

     

    Does Pet Insurance Cover Routine Care?

    Routine checkups, dental cleanings, and vaccinations aren’t usually covered under standard pet insurance plans. But here’s the good news: dotsure.co.za offers Wellness Benefit extensions to help cover these costs!

    Typical routine or preventative care expenses:

    • Annual Vaccinations
    • Dental checks
    • Tick and flea treatments
    • Spaying and neutering
    • Emergency boarding fees
    • Prescribed foods and supplements
    • Behavioural therapy

    If you want to avoid out-of-pocket costs for these, consider adding Wellness Benefits to your policy. It could save you money in the long run.

     

    Are There Age Limits on Pet Insurance?

    Pet insurance often has age limits. Typically, puppies and kittens under eight weeks old may not be eligible for cover. Senior pets (often 12 years and older) might have limited cover options because they’re more prone to age-related health issues.

     

    Does Pet Insurance Cover Diseases If My Pet Wasn’t Vaccinated?

    If an illness could have been prevented with a vaccine, most pet insurance policies won’t cover it. This includes diseases such as Parvovirus and Feline Immunodeficiency Virus (FIV). Keeping your pet’s vaccinations up to date is essential, not just for their health, but also to ensure you’re covered when it matters most.

    RELATED: UNDERSTANDING CANINE PARVOVIRUS

     

    Protect Your Pet and Your Pocket

    Knowing what your pet insurance covers, and what it doesn’t, is crucial to avoid unexpected costs. Understanding your policy helps you make the best decisions for your pet’s health and keeps your budget in check!

    RELATED: PET INSURANCE FREQUENTLY ASKED QUESTIONS

     

  • VET ADVICE: WHEN IS ANAL GLAND EXPRESSION NECESSARY?

    VET ADVICE: WHEN IS ANAL GLAND EXPRESSION NECESSARY?

     

    Dr Corné Viljoen graduated from Onderstepoort in 2013 and is supported by an incredible team at Innovavet Veterinary Clinic.

     

    What are the main indicators that a dog has anal gland issues?

    “Common signs of anal gland issues in dogs include scooting, excessive licking or biting at the rear, a strong foul odour, pain or discomfort when sitting, redness or swelling around the anus, changes in bowel movements, and unusual behaviours such as restlessness or aggression. These symptoms may indicate that the anal glands are full, impacted, or infected and require veterinary attention.”

     

    Which treatments are available for these issues?

    “Treatment options for anal gland issues vary depending on the severity of the condition. A veterinarian will determine the best approach after a thorough evaluation. Manual expression is commonly used to relieve pressure in full or impacted glands, while antibiotics and anti-inflammatory medication may be prescribed for infections. In some cases, an anal gland flush can help clear debris or bacteria. Dietary adjustments, such as adding fibre, can aid natural expression, while steroids may be used to reduce inflammation. For chronic or severe cases, surgical removal of the glands may be considered as a last resort.”

     

    Can pet parents express their pet’s anal glands at home?

    “Yes, in some cases, pet parents can express their dog’s anal glands at home, though it’s not always recommended unless you’re comfortable with the process and have received proper guidance from a veterinarian. Improper handling can lead to injury, infection, or discomfort to the dog.”

     

    Introducing Our Vet of the Month

    Dr Corné Viljoen’s primary interest lies in pet healthcare, with a strong belief that prevention is better than cure. He’s dedicated to building lasting relationships with clients and is passionate about providing patients with the highest level of care and respect.

    What inspired you to become a vet?

    “I always wanted to be a veterinarian ever since I was a young boy. Since I can remember, I always had a deep love for animals and farm life. My parents also love animals, and we had many animals in and around the house when we grew up.”

    Dr Corné, do you have any pets?

    “Sometimes I feel like Dr Dolittle. I saved and treated some animals on the farm, and now they have a second chance at life on the farm. Others I bought or received as gifts. But they are all special and treated the same.”

    Any last thoughts on the topic?

    “If the anal glands are not causing problems and the dog isn’t showing any signs of discomfort or distress, there is generally no need to express them. Over-expression can also irritate the glands and may lead to further issues, so it’s best to avoid doing it unless it’s necessary. If you’re unsure whether the dog’s glands need to be expressed, a veterinarian can assess the situation and guide you on whether it’s necessary, and how often it should be done.”

  • CANINE PARVOVIRUS: SYMPTOMS, TREATMENT AND PREVENTIONS

    CANINE PARVOVIRUS: SYMPTOMS, TREATMENT AND PREVENTIONS

    Meet Dr Simone Pietersen from Sandton Veterinary Clinic, here to answer questions about canine parvovirus.

    Understanding Canine Parvovirus

    What is canine parvovirus (parvo)?

    “Canine parvovirus is a viral infection that mainly affects young, unvaccinated dogs. It is an extremely contagious disease that spreads easily between dogs that are not protected by vaccinations. “

    Why is parvo such a serious illness for dogs?

    “What makes it such a serious disease is that it has a high mortality rate if not treated early, and even with treatment, it can still be fatal.”

    What are the main symptoms of parvovirus that pet parents should watch for?

    “The main symptoms are vomiting, diarrhoea, and inappetence. So, pet parents should notice it easily.”

    How is parvo transmitted?

    “Parvo is transmitted through the vomit and diarrhoea of infected dogs. The virus is extremely resistant to the environment and can survive and infect other dogs even years later. “

    Which dogs are most at risk for contracting parvo?

    “Young dogs under 2 years of age are most at risk because the virus replicates in fast-dividing cells. Unvaccinated animals have a much higher risk of contracting the virus than vaccinated animals.”

    What steps can pet parents take to prevent their dogs from contracting parvovirus?

    “Vaccination is the key factor. It is also important to keep young puppies who have not been fully vaccinated away from high-risk areas such as parks. Be sure not to introduce a new puppy into an area that has previously been contaminated by a parvo-positive dog unless it is fully vaccinated.”

    If a pet parent suspects their dog has parvo, what should they do immediately?

    “Please take your dog to a vet. There is a lot of advice online on how to treat these animals at home. There is no miracle cure. They need intravenous fluids, intravenous anti-nausea medications, and antibiotics for secondary bacterial infections. Only mild cases can be treated as outpatients.”

    Can parvovirus be treated?

    “The virus itself can’t be killed by medication. Only the immune system can fight the virus. And because the virus also suppresses the immune system, it can often be a losing battle.”

    What does the recovery process look like?

    “What we do in the hospital is provide fluid to prevent dehydration (with an IV drip) and help prevent nausea with antiemetics, keeping the animal going while the immune system fights the battle. It can be a long hospital stay, sometimes up to two weeks.”

    Any final advice for dog owners on protecting their pets from this dangerous virus?

    “Vaccination, vaccination, vaccination.”

    More About Our Vet of The Month

    Tell us a bit about yourself and your work as a vet.

    “I am a small animal vet who qualified in 2010 at Onderstepoort. I was born and raised in the Free State and never thought I would end up in Johannesburg. I now love Johannesburg, the people, and their pets. I love that I see people who want the absolute best for their pets and are willing to go the extra mile for them.”

    What inspired you to work with animals, and what keeps you passionate about your work?

    “I have always loved animals, as all vets do, but it was actually horse riding that made me want to study to be a vet. Later, at Onderstepoort, I realised that I really didn’t want to be an equine vet at all! I love the smallies and feel I make a difference in the owner’s lives as much as in the lives of their pets.”

    Do you have any pets? Share a little about your furry family members!

    “I have three dogs, all little mutts. One is called Vlooi, and he has three legs. The others are Benji and Lindsey. Then there are two cats called Milly and Snowy, one rabbit, and five silkie chickens. It can be a handful to manage sometimes, but luckily, I have help.”

    Pet Insurance and Canine Parvovirus

    dotsure.co.za pet insurance offers a range of plans to help cover the costs of vet bills. Vaccinations, including canine parvovirus vaccinations, are covered up to a specified limit under the Wellness cover section of the Ultimate plan. Wellness Benefits or Wellness Benefits Plus can be added to Vital, Elite and Deluxe plans at an additional premium.

    Get a quote today and ensure your pet is protected!

    RELATED BLOGS:

  • FELINE KIDNEY HEALTH: TIPS, DISEASE PREVENTION AND CARE

    FELINE KIDNEY HEALTH: TIPS, DISEASE PREVENTION AND CARE

    The kidneys help filter toxins, regulate hydration and maintain overall well-being. Unfortunately, chronic kidney disease is extremely common in cats.

    What is Chronic Kidney Disease (CKD)?

    Chronic kidney disease (CKD) is a progressive condition where the kidneys lose their ability to function properly over time. It’s one of the most common health issues in cats and can develop gradually, making early detection essential. So, if you own a feline friend or 2 or 5 (is there such a thing as too many cats?), here’s everything you need to know.

    Psst… Did you know dotsure.co.za offers multiple pet discounts? Get 15% off your plan premium when you insure more than one pet!

    What Causes Chronic Kidney Disease in Cats?

    The exact cause of kidney disease in cats varies. However, there are a few factors involved that may contribute to your cat’s risk of developing kidney disease:

    • Age: There is a higher risk of kidney deterioration as cats get older.
    • Genetics: There is often a higher risk in certain breeds (e.g. Persians and Maine Coons).
    • Dehydration: Vomiting or diarrhoea that affects kidney function can increase your cat’s risk of developing CKD.
    • Nutrition: Some foods can accelerate the progression of kidney disease in cats.

    RELATED: VET ADVICE: PROPER NUTRITION FOR YOUR PET

    Signs and Symptoms of Kidney Disease

    • Increased thirst
    • Decreased appetite
    • Increased urine volume
    • Weight loss
    • Lethargy or weakness
    • Vomiting and diarrhoea
    • Constipation
    • Bad breath or a sore mouth

    RELATED BLOGS:

    How to Keep Your Cat’s Kidneys Healthy

    Hydration

    Cats aren’t always great at drinking enough water. Encourage hydration with fresh water sources such as cat fountains.

    Pro tips:

    • Add water to their wet foods or pellets to improve their water intake.
    • Cats instinctively prefer their water source separate from food, as they avoid potential contamination from “kills” in the wild. So keep the food and water bowls in different areas.
    • Because they can be quite particular about where they drink, having multiple water bowls or water fountains encourages hydration.

    A Kidney-Friendly Diet

    High-quality, balanced diets are essential. Hill’s Pet Nutrition have a range of delicious clinically proven nutrition that supports kidney health, which you can find here.

    Regular Vet Check-Ups

    Annual vet visits are essential for all pets! Routine bloodwork and urine tests can detect early kidney issues in cats before symptoms appear.

    NB: dotsure.co.za does not cover costs for the treatment of pre-existing conditions, so the sooner they are covered, the better. Read more about that here: DOES PET INSURANCE COVER PRE-EXISTING CONDITIONS?

    Pet Insurance and Kidney Health

    When it comes to cats and chronic kidney disease, it’s always better to be proactive. Get them covered with dotsure.co.za cat insurance before it’s too late. You’ll have more time to focus on your cat’s kidney health and less time worrying about vet bills! Fetch a quote today.

  • TIKTOK CAR HACKS THAT ACTUALLY WORK

    TIKTOK CAR HACKS THAT ACTUALLY WORK

    While TikTok might be famous for its viral dances and endless pet videos, there are also a few useful automotive tips that can help you to keep your car clean, fresh, and in top condition. Here are some of the best TikTok car hacks that actually work, just by using everyday household items you probably already have!

    RELATED: Car Maintenance Tips You Should Know

    How To Keep Cup Holders Clean

    Car cup holders tend to collect dust, crumbs, and sticky residue. Place silicone cupcake moulds inside them to catch spills and debris. When they get dirty, just remove, rinse, and replace them.

    How To Brighten Foggy Headlights

    Toothpaste’s mild abrasiveness makes it perfect for restoring cloudy headlights. Apply a small amount to an old toothbrush, scrub the headlights, then wipe clean with a damp cloth.

    How To Prevent Streaky Wipers

    If your windscreen wipers leave streaks, try wiping the rubber blades with a vinegar and Sunlight soap mixture. This simple trick helps remove built-up grime and improves visibility in rainy conditions.

    How To Remove Bugs from a Car Exterior

    Bug splatters can be tough to clean off your car, but canned cooking spray can help. Spray a small amount onto the affected area, let it sit for a few seconds, and wipe away with a damp cloth.

    How To Clean Car Floor Mats

    Floor mats can collect dirt quickly. Mix a capful of handwashing laundry detergent with water to create a cleaning solution, scrub the mats with a brush, rinse, and let them dry before putting them back into your car.

    Freshen Up Your Ride-or-Die.

    Keeping your vehicle in great shape doesn’t have to be expensive or time-consuming. Try them out and see the difference for yourself.

    Here’s one last hack that really helps your car to go further: Get an extended car warranty!

  • DOES PET INSURANCE COVER PRE-EXISTING CONDITIONS?

    DOES PET INSURANCE COVER PRE-EXISTING CONDITIONS?

    Pet insurance is a game-changer when it comes to protecting your fur family and your finances, but what about pre-existing conditions? If your pet has a health issue before getting insured, will it be covered? Let’s break it down.

    Pre-Existing vs. Hereditary Conditions

    A common misconception is that hereditary conditions are the same as pre-existing conditions.

    • Hereditary Conditions: These are genetic conditions passed down from a pet’s lineage, such as hip dysplasia in large dog breeds or polycystic kidney disease in Persian cats. Hereditary conditions don’t only impact on purebreds. Mixed breeds and “pavement specials” are at risk too.

    dotsure.co.za offers cover for hereditary conditions on certain plans. Find out more here: HEREDITARY CONDITIONS: IS YOUR PET COVERED?

    • Pre-Existing Conditions: As mentioned above, this is any condition your pet was diagnosed with or showed symptoms before being insured. Pre-existing conditions are typically not covered. If the pet is diagnosed with hereditary conditions prior to the inception date of the policy, it’s not covered as it is seen as a pre-existing condition.

    Why Pet Insurance is Still Worth It

    Even if your pet has a pre-existing condition, insurance can still provide valuable cover for future illnesses, accidents, and emergency care.  With Accidental cover, your pet can live their best life and explore to their heart’s content! Our Accidental Plan covers veterinary expenses incurred for the diagnosis and/or treatment of your pet’s accidental injury. Plus, Our Vital Plan covers 50% of illnesses, while our Elite Plan offers 100% cover, taking the bite out of vet bills!

    Our advice is that the sooner you insure your pet, the better! Get a quote today and ensure that your furry friend is covered for life’s surprises.

  • PAWS OFF THE BEER! THE DANGERS OF ALCOHOL FOR PETS

    PAWS OFF THE BEER! THE DANGERS OF ALCOHOL FOR PETS

    It’s braai day, and you’ve cracked open a cold one. While focussing on tanning the chops, your dog accidentally knocks your beer over and licks it all up! Now, you’re left wondering (and panicking), “Is beer safe for pets?”.  The short answer: NO!  So, let’s spill the beer on the dangers of alcohol for pets.

    Alcohol, even in small amounts, can have toxic effects on dogs and cats. Their bodies can’t metabolise it like ours, so it hits them much harder.

    Plus, the smaller the pet, the greater the risk! A little Yorkie, for example, taking even a few licks of beer or wine can lead to serious health issues.

    RELATED: TAKING CARE OF A YORKSHIRE TERRIER

    Signs of alcohol poisoning in pets:

    • Vomiting and diarrhoea
    • Disorientation and loss of coordination
    • Decreased body temperature
    • Breathing difficulties
    • Lethargy
    • Weakness
    • Drooling

    Hidden alcohol sources:

    You might think a beer or glass of wine is the only concern, but alcohol can sneak into your pet’s system in unexpected ways:

    • Fermented foods (such as raw bread dough or overripe fruit)
    • Cooking extracts
    • Certain medications and mouthwashes
    • Alcohol-based cleaning products

    What to do if your pet consumes alcohol:

    If you suspect your pet has ingested alcohol, act fast:

    1. Assess symptoms: Monitor your pet and look out for the signs of alcohol poisoning mentioned above.
    2. Call the vet immediately: Even a tiny amount of alcohol can be life-threatening, chat to your vet so that they can guide you on the right course of action.
    3. Provide fresh water: Encourage hydration while waiting for professional advice.

    How to Keep Your Pet Safe

    • Keep drinks out of reach, especially at social gatherings or holiday celebrations.
    • Store alcohol securely and clean up spills immediately.
    • Watch for signs of alcohol poisoning and act quickly if you need to.

    RELATED: HOW TO CARE FOR YOUR PET: TIPS AND TRICKS WITH DOTSURE.CO.ZA

    Accidents happen. As responsible pet parents we know you’re not adding vodka to your dog’s water bowl. While we can’t stop their curiosity, we can help cover those unexpected vet visits that come with it! Get a quote today and protect your best friend with SA’s best pet insurance.*

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • HOW TO: CHECK YOUR CAR’S ROADWORTHINESS

    HOW TO: CHECK YOUR CAR’S ROADWORTHINESS

    What Is a Roadworthy Certificate and Why Do You Need One?

    A roadworthy certificate (RWC) is an official document that proves your car meets the minimum safety standards set by the National Traffic Act. In South Africa, you need this certificate in the following situations:

    • When registering a car in your name.
    • When selling a car.
    • For certain licensing transactions, such as re-registering a previously deregistered vehicle.

    It is illegal to drive a car that is not roadworthy, and failing to maintain your vehicle’s condition can put you and other road users at serious risk.

    RELATED: Mechanical Failures That Cause Car Crashes

    How To Get a Roadworthy Certificate

    To obtain a roadworthy certificate, you need to take your car to an accredited private or public vehicle testing station. The process is straightforward:

    Visit a vehicle testing station with the following documents:

    • Your vehicle’s registration certificate.
    • Your identity document (ID).
    • The prescribed testing fee (typically around R500).

    2. Complete the Application for Certification of Roadworthiness (ACR) form at the testing station.

    3. Undergo the roadworthiness test. If your car passes, you’ll receive a roadworthy certificate, which is valid for 60 days.

    How Do I Know If My Car Is Roadworthy?

    A roadworthy test checks whether your vehicle is in a safe and legal condition. Here’s what is inspected:

    • Identification and documentation
    • Bodywork and structure
    • Interior features
    • Lights and indicators
    • Windscreen and windows
    • Wheels, tyres, and brakes
    • Suspension and steering
    • Engine and exhaust system

    Checking a Vehicle’s History Before Buying

    If you’re buying a second-hand car, it’s important to verify its history and condition before finalising the sale. The South African Insurance Association (SAIA) offers a free VIN-Lookup tool, which allows buyers to check if a car has been written off or salvaged. This tool helps prevent fraud and ensures that you don’t unknowingly purchase a previously stolen or extensively damaged vehicle.

    RELATED: Transferring Vehicle Ownership

    Why Car Roadworthiness Matters

    It’s not just about sticking to regulations; it’s a critical part of ensuring that your vehicle is safe for use on the road.

    Protect yourself and your pocket – quote online today!

  • BUSINESS INSURANCE FOR RESTAURANTS: A COFFEE SHOP OWNER’S GUIDE

    BUSINESS INSURANCE FOR RESTAURANTS: A COFFEE SHOP OWNER’S GUIDE

    A coffee shop isn’t just a place for great cappuccinos and steamy chats. It’s a business with daily risks. From broken coffee machines to customer accidents, a single mishap could spill over into financial trouble. That’s why business insurance for restaurants is essential to keep your coffee shop brewing smoothly.

    Not sure how business insurance works? Check out BUSINESS INSURANCE SIMPLIFIED: WHAT YOU NEED TO KNOW.

    Why Coffee Shops Need Business Insurance

    Running a coffee shop comes with unique risks including:

    • Equipment breakdowns – Coffee machines, grinders, and fridges. When they stop working, so does your business.
    • Customer injuries – A slip on a spilt Americano or a wobbly chair could lead to liability claims.
    • Fire and water damage – Kitchens are at a high risk for fires and burst pipes; not even the smoothest coffee shop playlist could save such a damp mood.
    • Food-related claims – You could be held responsible if a customer experiences an allergic reaction or food poisoning.

    Essential Cover for Coffee Shops

    All Risk Cover for Equipment:

    Your coffee machine, grinder, and other essential equipment are the heart of your business. All-risk cover protects you against accidental damage or loss.

    Liability Cover:

    If a customer spills a hot drink and gets burned or someone slips on a wet floor, there’s no need to cry over spilt milk. With liability cover, your business is protected from legal and medical claims.

    Food Poisoning Cover:

    If a customer claims they became ill from your food or drink, this cover helps you to handle legal costs, provided negligence is proven.

    Machinery Breakdown Cover:

    Coffee machines, fridges, and extractor fans need to work as hard as you do. If they break down due to a mechanical failure this cover ensures you can have them repaired or replaced without losing revenue.

    Business Interruption Cover:

    If a fire, flood, or major equipment failure forces you to close temporarily, business interruption cover helps replace lost income while you get back on the grind.

    Why Choose Business Insurance?

    At dotsure.co.za, we understand that no two coffee shops are the same. That’s why we offer specialised business insurance for restaurants, so you can keep those lattes flowing, no matter what happens. Ts & Cs apply.

  • FELINE FRESH: HOW TO GET RID OF THAT CAT PEE SMELL

    FELINE FRESH: HOW TO GET RID OF THAT CAT PEE SMELL

    Let’s be honest: Nothing makes your nose crinkle and your eyes water quite like the smell of lingering cat pee. Plus, it can be pretty tough to eliminate, especially if you had no idea it happened or didn’t clean it up immediately.

    Because we’re the insurer who cares the most, we’ve put together some helpful tips on removing that cat pee smell from different surfaces and fabrics. We don’t just protect pets; we also protect pet parents and their nostrils! ?

    What you’ll need:

    • A paper towel or a clean cloth
    • White vinegar
    • Baking soda
    • Enzyme-based cleaners (NB for breaking down the uric acid in cat urine, which makes the smell linger)
    • A vacuum cleaner

    1. How to Get the Cat Pee Smell Out of Carpets

    The sooner you tackle the mess, the better.

    • If the spot is fresh, use a paper towel and blot (don’t rub) to soak up as much urine as possible.
    • Saturate the area with an enzyme-based cleaner and let it sit for at least 10–15 minutes before blotting it up.
    • Then, sprinkle baking soda over the area and vacuum it up after a few hours to neutralise any lingering odour.

    2. How to Get the Cat Pee Smell Out of Mattresses

    If your cat has an accident on your bed, don’t sleep on it!

    • Again, blot up as much urine as possible, as soon as possible, with a paper towel or cloth.
    • Mix equal parts white vinegar and water, apply to the stain, and let it air dry.
    • Once dry, sprinkle a generous amount of baking soda over the area, let it sit for several hours, and then vacuum it up.
    • For persistent smells, use an enzyme-based cleaner specifically designed for mattresses.

    3. How to Get the Cat Pee Smell Out of Clothing

    If your cat has found its way into your laundry basket, simply throwing your clothes in the wash won’t be enough.

    • Rinse your clothing with cold water as soon as possible.
    • Soak in a mixture of white vinegar and water for about 30 minutes before washing.
    • Add an enzymatic cleaner or baking soda to the wash cycle for extra odour-fighting power.
    • Avoid using the tumble dryer until you’re sure the smell is gone, as heat can set the odour (“cat pee perfume” just isn’t it).

    How to Prevent Future Cat Pee Accidents?

    • Keep their litter box clean and change the litter regularly.
    • Provide enough litter boxes in quiet, accessible areas.
    • If accidents persist, visit the vet to rule out medical issues such as urinary tract infections or poor kidney function.

    RELATED: “URINE TROUBLE!”: IS THE COLOUR OF YOUR CAT’S PEE TELLING YOU SOMETHING?

     

    While we can’t stop your cat from urinating wherever they please, we can protect your felines with cat insurance! Cover them with SA’s best pet insurer, dotsure.co.za and get a quote today.

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • BUSINESS INSURANCE FOR RETAILERS: A GUIDE FOR ONLINE CLOTHING STORES

    BUSINESS INSURANCE FOR RETAILERS: A GUIDE FOR ONLINE CLOTHING STORES

    Running an online clothing store requires you to focus on the newest trends, customer service, and seamless logistics. But just like a physical retail store, e-commerce businesses face risks. That’s where business insurance for retailers comes in. It covers your online store so you can focus on fashion, not on financial setbacks.

    RELATED: 7 TIPS FOR SMALL BUSINESS OWNERS

    Why Online Clothing Stores Need Business Insurance

    Your store may not have a brick-and-mortar location, but it still faces risks such as:

    • Stock damage or loss – Fire, theft, or courier mishaps could leave you out of pocket.
    • Cyber threats – Online fraud and data breaches are the fashion faux pas of e-commerce.
    • Delivery issues – Lost parcels and misplaced returns? So not in style!
    • Liability claims – You could be held responsible if a product is defective or causes harm.

    Essential Cover for Online Clothing Businesses

    Stock Protection:

    Your inventory is your runway to success. Whether stored in a warehouse or at home, ensure that your stock is covered against fire, theft, or accidental damage.

    Business Interruption Cover:

    If an unexpected event such as a fire or flood prevents you from walking the catwalk, business interruption cover can help replace lost income and keep you strutting forward.

    Goods in Transit Cover:

    Online clothing stores need to deliver their products to their customers. If you transport stock from suppliers or send out orders, cover for loss or damage while goods are in transit keeps your deliveries on-trend.

    RELATED: WHY TRANSIT INSURANCE IS CRUCIAL DURING BLACK FRIDAY

    Machinery Breakdown Cover:

    Online retailers often rely on packing and printing equipment, steamers, and sewing machines. If these break down due to mechanical failure, machinery breakdown cover ensures you’re not left hanging.

    Liability Cover:

    You don’t have to stitch up the damage on your own. If a customer claims an allergic reaction to a material or a courier gets injured while handling your package, liability insurance helps to cover legal and compensation costs.

    Why Choose Business Insurance for Your Online Store?

    With dotsure.co.za’s flexible business insurance, you have tailored cover that fits your retail needs. Protect your online clothing store with business insurance for retailers that means business! Ts & Cs Apply.

    Psst… Need some extra inspiration? Check out our MOTIVATIONAL QUOTES FOR SMALL BUSINESS SUCCESS.

  • QUICK AND EASY GUIDE TO ONLINE CAR INSURANCE

    QUICK AND EASY GUIDE TO ONLINE CAR INSURANCE

    Car insurance should be simple, flexible, and hassle-free. Online car insurance from dotsure.co.za makes it easy for you to get the cover you need, without the endless paperwork.

    Quote and Buy Car Insurance Online in Minutes

    Gone are the days of tedious paperwork and waiting on hold. You can quote and buy your car insurance online in just a few minutes. Our policies are customisable, ensuring that you only pay for what you need.

    Submit Car Insurance Claims Online with Ease

    Accidents and breakdowns are stressful enough, your claims process shouldn’t be. No unnecessary delays, just quick and efficient claim settlements so you can get back on the road.

    RELATED: How to Claim Online

    Emergency Assistance When You Need It

    From fender-benders to engine trouble, the unexpected can happen anytime. That’s why our comprehensive car insurance policies include emergency benefits,  so we can be your knight in shining armour when you need it most!

    Manage Your Policy, Your Way

    From start to finish, we’re passionate about providing a seamless online insurance solution. With our 24/7 Manage Portal, you have full control over your policy. Enjoy self-service convenience at your fingertips.

    RELATED: How to Manage Your Policy Online

    Get Covered Today

    Why wait? Get the car insurance you need in just a few clicks. Plus, you can get a 20% lifetime discount, when you buy online!

    Ts & Cs apply. Savings are based on online purchase discounts and may vary based on individual risk profiles.

  • DRIVING VALUE: GET THE MOST OUT OF YOUR POLICY

    DRIVING VALUE: GET THE MOST OUT OF YOUR POLICY

    Car insurance should offer more than cover for accidents, it should provide real value. With dotsure.co.za you’re in the driver’s seat with customisable cover.

    RELATED: Save On Your Car Insurance Premium

    Essential Car Insurance That Protects You

    With dotsure.co.za, you’re covered for the most common risks that come with owning a car:

    • Accidental damage
    • Third party liability
    • Fire, theft, or hijacking
    • Key replacement
    • Towing & storage
    • Windscreen damage
    • Passenger liability

    But that’s not all, dotsure.co.za goes beyond just covering the basics:

    • Vehicle Credit Cover – If your financed car is written off, this helps to settle outstanding debt.
    • Veterinary Expenses – Covers vet costs if your pet is involved in a car accident.
    • Smart Driver Programme – Get rewarded for being a responsible driver.

    Exclusive Car Insurance Benefits

    Some policyholders don’t realise their car insurance includes more than just accident cover. Below are some hidden gems included in your dotsure.co.za policy.

    Road Protect Benefits

    • Fines Protect: Get notified of traffic fines, and possible reductions negotiated on your behalf.
    • License Protect: Skip the queue! Hassle-free renewal of your vehicle licence.
    • Pothole Protect: Don’t let pothole damages put a dent in your pocket! Get help with processing these claims.
    • Accident Protect: We’ll deal with the Road Accident Fund, so you don’t have to!

    RELATED: Traffic Fines in SA

    Emergency Assistance Benefits

    • Hotel Accommodation: Rest your head if you’re stranded.
    • Car Hire Assistance: Rent a vehicle when you’re stuck in the middle of nowhere.
    • Flat Battery Assistance: Get your car up and running with a recharge.
    • Fuel Assistance: Run out of petrol? Get a top-up.
    • Locksmith Assistance: Get locksmith services and towing if necessary.
    • Flat Tyre Assistance: Cover for tyre inflation or repair.
    • Medical Response & Transportation: EMS personnel and transport to a hospital if needed.
    • Medical Advice: 24/7 telephonic medical support.
    • Legal Consultations: Two 30-minute sessions with a qualified attorney.

    Lifestyle Benefits

    • Tiger Wheel & Tyre: Get preferential rates and extra discounts on your total bill.
    • Tyres & More: Enjoy discounts on services and your invoice.
    • Car Hire Discounts: Save big with Avis, Bluu, Europcar, Hertz, Tempest, and Thrifty.

    RELATED: How You’re Protected After an Accident

    Get More Value from Your Car Insurance

    The right car insurance policy should work for you, not the other way around. If flexibility and cost-saving options are for you, then get a free online quote with dotsure.co.za today!

  • TOY DOG BREEDS: THE LITTLE PUPS WITH BIG ATTITUDES

    TOY DOG BREEDS: THE LITTLE PUPS WITH BIG ATTITUDES

    We’ve all seen a Chihuahua try to take on a dog that’s maybe 20 times their size. The toy dog breed may be small, but its tiny stature comes with a big heart and an even bigger attitude!

    Are you looking for more information on other dog breeds? Check out our latest blogs:

    History of Toy Dog Breeds

    Originally bred as companions for royalty and aristocrats, these little dogs were pampered and adored by emperors, queens, and nobility around the world. Breeds such as the Pekingese and Italian Greyhound were once prized lap warmers in ancient courts. Yes, that means your little kings and queens actually do come from royalty.

    Nowadays toy breeds call many laps in South Africa their thrones. Especially for people living in flats or townhouses because they don’t take up much room in your home, only in your heart.

    Characteristics of Toy Dog Breeds

    • Big Personalities: Don’t let their size fool you. These dogs are known for their confidence, sass and sometimes even a little stubbornness.
    • Affectionate Companions: Toy breeds thrive on human interaction and love to always be by their owner’s side.
    • High Energy: While they might not need as much exercise as larger breeds, toy dogs are often lively and playful. Aka: Zoomies for days!
    >>• Watchdog Instincts: Many toy breeds have big barks (piercing could be a more accurate word) and a strong sense of territory, making them surprisingly effective watchdogs. Haven’t we all been chased or growled at by a Chihuahua?

    Toy Dog Breed Behaviour

    They are the definition of “big dog energy”. Some common behavioural traits include:

    • Fearless Attitude: Many toy dogs don’t seem to realise they’re small or refuse to believe it, and they will happily compete with much larger dogs.
    • Vocal Tendencies: They can be pretty expressive, often using their bark to communicate or demand attention.
    • Lap Lovers: They were bred for companionship and adore cuddling up with their favourite humans.

    Popular Breeds in the Toy Group

    Are Toy Breeds Right for You?

    Toy breeds are perfect for individuals and families who want a small, loving companion that fits easily into their lifestyle. However, they are more of an inside dog, and some breeds can be prone to separation anxiety if left alone too often. So, if you’ve got a lot of love to give, don’t mind sharing your bed, and you’re okay with your pet being your boss, the toy dog breed is for you!

    PS: If you want to protect your most loved little companion, ensure they’re covered with SA’s most loved pet insurer*, dotsure.co.za. Get a quote today.

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • INSURANCE BROKERS 101: EVERYTHING YOU NEED TO KNOW

    INSURANCE BROKERS 101: EVERYTHING YOU NEED TO KNOW

    Whether you’re looking for personal cover or insurance for your business, an insurance broker can help you understand the ins and outs of different insurance policies.

    RELATED: Understanding Short-Term and Long-Term Insurance

    What Is an Insurance Broker?

    They are the middleman between you and an insurance company. Unlike agents who work for specific insurers, brokers are independent and work to find the best policy for you. They know the market, understand different policies, and can break down the fine print so you know exactly what you’re signing up for.

    What Does an Insurance Broker Do?

    Brokers do much more than just find you a policy.
    • Understanding your needs: They take time to assess what kind of coverage suits you best.
    • Giving expert advice: Brokers offer recommendations based on thorough market research.
    • Managing risks: Brokers identify potential risks and suggest ways to protect yourself.
    • Handling paperwork: From applications to renewals, they take care of the admin side of things.

    Types of Brokers

    There are different kinds of brokers, depending on the type of coverage you need.

    General insurance brokers:

    They handle a range of policies from life, health, car, pet, to household insurance.

    Independent insurance brokers:

    These brokers do the hard work of researching options, so you can make an informed decision.

    Business insurance brokers:

    Also known as commercial insurance brokers, they specialise in helping businesses protect their assets and manage risks.

    RELATED: Business Insurance for Retailers; Business Insurance for Restaurants.

    How To Find the Right Insurance Broker

    Here’s what to look for:

    Experience & Specialisation
    Find someone with expertise in the type of insurance you need.
    Licensing & Accreditation
    Make sure they’re registered with the right regulatory bodies.

    Doing Your Insurance Research

    Whether you’re using a broker or making decisions on your own, we know one size doesn’t fit all. At dotsure.co.za, we offer a range of options for car insurance, extended car warranty, pet insurance, and business insurance!

  • WELL-WARRANTED PROTECTION FOR CAR PARTS

    WELL-WARRANTED PROTECTION FOR CAR PARTS

    How to Get More from Your Extended Car Warranty

    An extended car warranty shields you from unexpected repair costs, helping you to avoid financial stress when things go wrong. But did you know you can take your warranty even further?

    At dotsure.co.za, we believe in giving you more: More protection, more value, and more personalisation. That’s why we offer extra value-adding cover options that go beyond your standard warranty, ensuring that your car stays in top shape without breaking the bank.

    RELATED: What an Extended Car Warranty Covers; How an Extended Car Warranty Works

     

    ServiceXtender: Keeping Your Car Running Smoothly

    Regular servicing is essential to keep your car in top condition. With the ServiceXtender add-on you’ll get:

    • Cover towards your annual service to help with routine maintenance costs.
    • A cash contribution for minor repairs, such as small chips and scratches.

    RELATED: Difference Between Motor Warranty and Service Plans

     

    Lights, Badges & Mirrors: Small Parts, Big Savings

    Replacing lights, badges, or mirrors may seem like a small fix, but these repairs can be costly. This add-on ensures you don’t have to claim from your main policy for:

    • Accidental loss or damage to headlamps, indicators, and brake lights.
    • Replacement of metal badges attached to your car.
    • Fitted external and internal mirrors.
    • Plastic covers that form part of lights and mirrors.

     

    Roadwise Tyre & Rim: Beat Potholes and Uneven Roads

    South African roads can be tough on your car, but you don’t have to foot the bill alone. You can get cover for:

    • Tyre damage from potholes and road hazards.
    • Rim repairs or replacement, ensuring your wheels stay in great shape.

     

    ScratchZone: Keep Your Car Looking Its Best

    Scratches and dents happen, but they don’t have to be a headache. This add-on includes:

    • Cover for the repair of minor chips, scratches, and dents to keep your car looking flawless.
    • The Excess Buster, covering up to 50% of your basic excess if you need to claim from your main policy.

     

    Upgrade Your Car’s Protection

    At dotsure.co.za, we’re all about making car ownership easier and more affordable. Adding these value-boosting cover options to your Extended Car Warranty is a smart move for stress-free driving.

  • THE REAL COST OF PUPPY LOVE IN SOUTH AFRICA

    THE REAL COST OF PUPPY LOVE IN SOUTH AFRICA

    Bringing a pet into your life can be a rewarding journey filled with companionship and love. But this journey is also a long-term financial commitment. From food to vet bills and toys to travel costs, the price tag of pet ownership adds up. Here’s a breakdown of how much that new dog will cost you.

    Do you want to know if you’re ready for a pet? Take our quiz and find out! QUIZ: HOW TO KNOW IF YOU’RE READY FOR A PET

     

    How Much Does It Cost to Buy a New Pet?

    If a stray captures your heart, the upfront cost might be minimal, but vaccinations and medical check-ups still apply. Purebred pets from reputable breeders can come with a high price tag alongside breed-specific health concerns. Rescue pets from shelters are generally more affordable, but their unknown lineage could result in higher costs later on.

    Estimated cost for adding a new dog to the family: R1 000 to R25 000 once-off.

     

    How Much Does It Cost to Feed a Pet?

    Good nutrition keeps pets healthy and happy. High-quality pet food can reduce future vet bills, but food costs vary depending on your pup’s size and dietary needs.

    Estimated cost for dog food: R200 – R3 000 per month.

     

    How Much Will Vet Visits and Health Care Cost?

    Pets need regular medical attention, from vaccinations and grooming to sterilisation or emergency care. Accidents and surprise health issues can also lead to unexpected vet visits. The bills add up, and you can never be sure just how much they will cost.

    Estimated cost for vet visits: R200 – R6 000 per month.
    Estimated cost for accidents: R400 – R30 000 per incident.

     

    Additional Costs to Consider:

    Gear, Training, and Toys – Think collars, leashes, beds, microchips, fences, training classes, and a never-ending supply of toys!

    Travelling – Are you heading on holiday? Travelling with or without pets entails costs for sitters, daycares, pet carriers, and pet-friendly accommodation.

    Beds and pet accessories – Creating a comfortable living environment for your pet involves blankets, food and water bowls, enclosures and kennel expenses.

    RELATED: HOW TO CARE FOR YOUR PET

     

    How to Manage the Cost of a Pet

    When it comes to vet bills and those surprise medical expenses, dotsure.co.za pet insurance can help protect your pet and your pockets!

    Get a quote today and protect your new fur baby with SA’s best pet insurer*

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • BOOMING BUSINESS: WHEN YOU’LL NEED INSURANCE

    BOOMING BUSINESS: WHEN YOU’LL NEED INSURANCE

     

    Starting and running a small business can feel like walking a tightrope. Every decision, especially financial ones, feels consequential. While keeping costs low is a priority, skipping business insurance might leave you exposed to risks that could cripple your budding enterprise. The challenge is figuring out when you really need it. Here’s a breakdown to help you decide.

     

    Why Your Small Business Needs Insurance

    To Cover Equipment:

    Your equipment is the backbone of your business. From high-end tools to everyday essentials, these items can take a significant chunk out of your budget.

    Even home-based businesses need insurance to cover related risks such as inventory loss, legal expenses, or income disruption.

    To Protect Employees:

    Hiring your first employee is a big milestone, but it comes with responsibility. Offering employer’s liability cover not only attracts top talent, but also reassures them that you’re prepared for unforeseen circumstances.

    To Cover Your Premises:

    Your first physical location, whether a small storefront or a spacious warehouse, is an exciting step forward. Many commercial leases require tenants to carry business insurance to cover potential liabilities.

     

    What Happens if You Don’t Have Insurance?

    Small and medium enterprises (SMEs) and start-ups face a variety of risks, from financial challenges to operational disruptions. Without insurance these risks could result in:

    • Financial losses: A single unbudgeted claim can derail your operations.
    • Loss of income: Interruptions caused by theft, equipment failure, or natural disasters might force you to shut down temporarily.
    • Legal liabilities: Without liability coverage, you could face expensive lawsuits from third-party claims such as accidental injuries or damages.

     

    Types of Cover to Consider

    As you map out the right plan for your small business, here are essential types of cover to explore:

    • Broadform Liability: Covers third-party damages or injuries.
    • Buildings Combined: Protects your premises against damages or loss.
    • Employer’s Liability Insurance: Supports employees in case of workplace incidents.
    • Business Interruption: Covers income lost during operational disruptions.
    • Vehicle Insurance: Essential for businesses with cars, vans, or fleets.

     

    Don’t Wait Until It’s Too Late

    Taking proactive steps now ensures you’re covered from the start, so you don’t face the financial strain of an unexpected event.

    Hand over the risks, today! Talk to a business insurance expert to build tailored cover that suits your business needs.

  • COMPASSION FATIGUE: A VET’S PERSPECTIVE

    COMPASSION FATIGUE: A VET’S PERSPECTIVE

     

    Dr Saadiya Mangera is a small animal vet at (and owner of) Brighton Beach Veterinary Clinic in Durban. Admitting business isn’t her forte, Saadiya’s true passion is working with beloved pets.

     

    Understanding Compassion Fatigue

    For those who may not know, what is compassion fatigue?

    “It’s a combination of physical and psychological exhaustion that can result from caring for others and feeling empathy for their pain. Veterinary Science is unique in that we care for our patients, but we also have to consider the emotions of the pet parents.”

     

    What are the main signs of compassion fatigue?

    “It can be seen in physical and emotional effects, which includes feeling overwhelmed, helpless, detached, or exhausted.”

     

    How does compassion fatigue affect a vet’s own well-being while caring for their patients?

    “The close relationships we have with our patients are unique in that we often care for our patients from 6 weeks of age. We nurse and heal them during their lifespan, and we’re then required to help them on their final journey. It can be emotionally draining. Unfortunately, many vets have insufficient resources to cope.”

     

    Have you ever experienced compassion fatigue or seen a colleague go through it? How did you or they manage it?

    “Yes, I have. I’ve been a vet for over 24 years. I love my job and can’t see myself doing anything else, but it’s exhausting to deal with so many emotions. We try to keep our work environment as fun-filled and relaxed as possible. Every staff member is so supportive of each other. They’re quick to give me a hug if I’m having an emotionally draining day!”

     

    Do you recommend any resources, tools, or coping strategies to vets experiencing compassion fatigue?

    “Have a really, really, good support network! Check out NOMV – it’s a website that was started due to the high suicide rates in our profession.”

     

    What can pet parents do to support their vet teams better?

    “We all became vets because of our love for animals, but we also have to make a living from our jobs. Just be kind!”

     

    Learn More About Our Vet of the Month

    Dr Saadiya owns Brighton Beach Veterinary Clinic in Durban, where she’s been caring for pets since 2010. With over 20 years of experience, including nine years in the UK, she’s passionate about educating pet parents and promoting vaccination, especially against rabies. A proud wife and mom of three, she credits her family and faith for supporting her journey as a veterinarian and animal advocate.

     

    What inspired you to become a vet, and what do you love most about the profession?

    “I became a vet due to my love for all things feline. This started when I was a young girl and came across a litter of unwanted kittens. At the time, I wasn’t allowed to take all of them home, but I made up for it by always having cats as pets. I love dogs as well and have a special interest in canine behaviour. At Brighton Beach Vet Clinic, we try very hard to practice fear-free veterinary care. All of our patients are treated with special attention to ensure a calm experience.”

     

    Do you have any pets at home? 

    “I have 4 cats. They’re all female and their names are Nutmeg, Cinnamon, Sugar, and Pepper. Nutmeg and Cinnamon are siblings and come from Zululand. They both have heart problems but are very healthy and happy. Sugar has Feline Leukaemia, and I took her in knowing that she has this disease. She’s generally healthy, albeit a bit overweight. Pepper was abandoned as a 7-week-old kitten, but we’ve nurtured her and she’s about a year old now.”

     

    Any final words of advice for vets or pet parents about the importance of mental health?

    “Veterinarians have the highest rate of suicide in the medical field. As a result, there is a growing trend that vets, once qualified, are leaving the profession to pursue careers where there is no public interface; or leaving South Africa to pursue the profession where we’re appreciated more. There is a growing belief that vets are expensive and overpriced, which isn’t true. We’re doing what we’ve been trained to do. We’re both doctors and surgeons. We also play the role of dentist, ophthalmologist, dietician, and even behaviourist/psychologist. Please be kind and compassionate.”

     

  • NEW VS USED CARS: SWIPE RIGHT ON THE PERFECT RIDE

    NEW VS USED CARS: SWIPE RIGHT ON THE PERFECT RIDE

     

    Car shopping can feel like navigating a dating app. You’re looking for your perfect match, love at first sight, an adventure buddy, or a long-term partner! So, should you swipe right on an out-of-the-box model or a pre-loved gem with stories to tell? Let’s help you figure it out.

     

    Why Choose a New Car?

    Going brand new comes with some undeniable perks:

    • Reliability: Fresh off the production line means fewer repairs (at least for a while).
    • Tech & safety upgrades: Hello, built-in parking assist and lane-keeping tech. Some of us are still winding our windows up (cough, cough).
    • Low maintenance: Manufacture warranties and service plans cover you for years.
    • Customisation: Pick your colour, features and add-ons straight from the get-go.

    The downside? Cha-ching! New cars come with a bigger price tag and depreciate faster than you can say, “Let’s Ride!”.

     

    Why Choose a Used Car?

    If you’re all about value, a used car might be your soulmate:

    • Cost savings: Avoid the depreciation hit; someone else has already covered that.
    • Lower insurance premiums: Used cars often mean cheaper cover.
    • More car for your money: A used premium model may cost the same as a new budget car.
    • Proven reliability: Trusted brands and models have a track record you can research.

    But don’t skip a thorough inspection! Just as you may stalk your potential dates on Instagram, find out as much as you can about your new-to-you car. Those red flags could lead to costly repairs.

     

    The Final Swipe

    Deciding between new and used depends on your budget, lifestyle, and priorities. Need the latest gadgets and tech? Go new. Want to save big and get more bang for your buck? Used it is!

     

    Swipe Right on Car Insurance

    Whether you’re cruising in something fresh off the showroom floor or a reliable pre-loved ride, dotsure.co.za car insurance has you covered. With customisable cover options thanks to Name Your Price™, we’ll help you find insurance that fits your budget.

    Ready to swipe right on stress-free car ownership? Get a free quote online today!

  • DIFFERENT WAYS OUR PETS SHOW US LOVE

    DIFFERENT WAYS OUR PETS SHOW US LOVE

     

    Our fur babies may not speak our language, but they have countless ways of showing their love and affection. From a warm snuggle to a happy tail wag, pets communicate their feelings in unique and heartwarming ways.

     

    How Dogs Show Their Love

    Seeking Attention Through Touch

    Dogs thrive on physical contact as a way to connect. Whether they’re nudging your hand for attention or trying to fit on your lap (yes, even Great Danes) their actions scream love. These gestures are their way of saying, “I want to be close to you.”

    Loving Eye Contact

    Relaxed eye contact between you and your dog is more than just a gaze – it’s a bonding moment. Studies reveal that mutual eye contact releases oxytocin, the “love hormone,” in both humans and dogs.

    Wags and Wiggles

    A loose, wagging tail often accompanied by a wiggling body is a clear sign that your dog is thrilled to see you. This joyful movement is their way of expressing excitement and affection.

    Turning Back During Walks

    Even during their most adventurous walks, dogs often glance back at their humans to ensure they’re keeping up. This simple act shows they see you as part of their pack and want to make sure you’re safe.

     

    How Cats Show Their Love

    Purring and Meowing

    Cats save their meows for communicating with humans, which makes their “chats” with you extra special. Add in their soothing purrs, and it’s clear they’re happy and comfortable in your company.

    Head Bunts and Cheek Rubs

    Cats mark you as “theirs” by gently bumping their heads or rubbing their cheeks on you. This behaviour transfers their facial pheromones, signalling trust and affection.

    “Making Biscuits”

    When a cat kneads you with their paws, they’re showing they feel relaxed and safe, much like they did as kittens with their mothers.

    Bringing Gifts

    Though a gift might come in the form of a toy or a less-welcome surprise (hello, mice!), cats bring offerings to their humans as a gesture of affection.

     

    Universal Signs of Pet Love

    • Following You: Pets who love you will follow you from room to room, ensuring that they’re always near their favourite person.
    • Excited Hellos: Whether it’s a dog’s full-body wag or a cat’s eager chirp, their excitement when you return home is a surefire sign of love.
    • Calm Goodbyes: If your dog stays relaxed when you leave, it shows they trust that you’ll return, a sign of a secure bond.

     

    Showing Your Pet Some Love

    Keeping your pet healthy is the ultimate act of love. Remember the importance of regular vet visits, and consider comprehensive pet insurance to protect them against the unexpected!

  • HOW DOES A CAR WARRANTY WORK? A BEGINNER’S GUIDE

    HOW DOES A CAR WARRANTY WORK? A BEGINNER’S GUIDE

     

    It doesn’t matter how many YouTube videos you watch, unless you’re a mechanic or dotsure.co.za, most of us have an experience point (XP) level of minus 100 for repairing and replacing car parts, which is why a car warranty is a must-have for expert peace of mind. But how does an extended car warranty actually work? Let’s explore how to sign up, what your extended warranty covers, and how to claim.

     

    How To Sign Up For An Extended Car Warranty

    1 – Click the link below to get a quote:

    Quote Now.

    2 – Fill in your details:

    Share your name, surname, contact number, email address, and ID number.

    Provide details about your car: model, make, year, and mileage.

    3 – Choose your plan:

    Pick between 7 different pricing and cover options, which you can upgrade or downgrade anytime.

    4 – Sign up:

    Once you’ve signed up, there’s a waiting period of 30 days, and then you’re covered!

     

    What Does It Cover?

    Mechanical and electrical failures: We cover up to 60 components in your car that break due to mechanical or electrical failures. Plus, you can take your vehicle to any Retail Motor Industry (RMI)-approved workshop anywhere in SA, and we’ll pay the claims directly to you.

    Emergency roadside and medical assistance: Get help when you need it most at no extra cost!

    RELATED: AFTER-HOURS EMERGENCIES ON THE ROAD

     

    How to Claim

    If something goes wrong, claiming with dotsure.co.za is simple:

    1. Head to an approved provider:
      • Take your car to an RMI-approved workshop of your choice.
    2. Notify us:
      • Log in to your Manage Portal to submit your claim or contact our team directly.
    3. Submit your documents:
      • Have your policy number, breakdown report, and any required forms ready.
    4. Relax, while we handle the rest:
      • One of our consultants will contact you to process your claim!

     

    Seamless Cover

    Easy, right? Do you know what’s not as easy, though? Driving without a warranty and the ‘shift’ hits the fan. Life’s unpredictable; take back a little control and get covered with our extended car warranty today!

  • THE COST OF VEHICLE OWNERSHIP TRANSFERS IN SA

    THE COST OF VEHICLE OWNERSHIP TRANSFERS IN SA

     

    So, you’ve bought or sold a car; what’s next? Changing ownership is not just about signing papers. A process (and some costs) are involved. Don’t worry. We’ve broken it down from how to change your vehicle ownership to making sure you and your new car are covered every step of the way, too!

     

    How Much Does Vehicle Ownership Cost?

    The cost of changing ownership depends on where you are and what’s required. Here’s a quick breakdown of the typical expenses:

    • Change of Ownership Fee: This is capped at R330, as gazetted in May 2023.
    • Roadworthy Certificate: Expect to pay between R500 and R800 per vehicle at a roadworthy inspection centre.
    • Vehicle Licence Fees: These vary by province and car type, ranging from R500 to R1 500.

    Pro Tip: Costs can change, so double-check with your local licensing department before starting the process.

    RELATED: THE HIDDEN COSTS OF CAR OWNERSHIP.

     

    Steps to Transfer Ownership

    Changing ownership is easier when you know the steps. Here’s what you’ll need to do:

    1 – Get Your Documents Ready:

      • Both the buyer and seller need to provide copies of their IDs and proof of address.
      • The seller must hand over the vehicle registration certificate.
      • A valid roadworthy certificate is required.
      • A Notification of Change of Ownership (NCO) form (both buyer and seller need to sign this).

    Find all the forms you need here at the NATIS website.

    2 – Visit the Licensing Department or Post Office:

    Fill in the Notification of Change of Ownership (NCO) form and submit all the documents.

    3 – Pay the Fees:

    These include the ownership transfer fee and any outstanding licence fees.

    Pro Tip: Any changes to the vehicle owner or title holder’s details must be reported to the relevant registering authority within 21 days of the change.

    For a full guide, links to forms, and who to contact, check out this article by the SA Government: Change owner or title holder particulars for a vehicle.

     

    What About Your Car Insurance?

    Don’t forget to cancel your car insurance if you’re selling your car.

    Upgrading to a new ride? Update your policy to match your new vehicle. At dotsure.co.za, we make adjusting your motor insurance online quick and hassle-free! Simply sign in to your Manage Portal!

     

    Why It’s Worth It

    Changing ownership isn’t just a legal requirement; it’s peace of mind. Knowing your car is correctly registered in your name (or the new owner’s) avoids potential issues down the line. For example, if the new owner gets a speeding fine for a car still registered under your name, guess who’s paying? That’s right, you’ll be sent the fine.

    For seamless car insurance to match your new (or new to you) ride, visit dotsure.co.za today. We’ve got your back every step of the way!

  • HERDING BREEDS: DOGS WITH LEADERSHIP INSTINCTS

    HERDING BREEDS: DOGS WITH LEADERSHIP INSTINCTS

     

    Recognised for their unique instinctual ability to herd and protect livestock, the Herding Group is one of the most fascinating dog breed categories.

     

    History of Herding Dogs

    The first known herding breeds emerged in Asia over 10,000 years ago, with European settlers later introducing them to the Americas in the 16th century.

    Initially classified under the Working Group until 1983, these breeds have established their own distinct identity. Their ability to follow subtle hand signals and whistle commands has set them apart.

    Today, this group includes over 200 breeds, each adapted to specific herding and guarding tasks.

     

    Characteristics of Herding Breeds

    • Intelligence and Trainability: These dogs are quick learners, making them excellent at tasks requiring precision and focus.
    • Energy and Agility: Bred for short bursts of high-speed activity, herding dogs excel in physically demanding roles.
    • Protective Instincts: Their natural drive to protect their “flock” often extends to their human families, making them loyal companions and excellent watchdogs.
    • Versatility: From herding sheep to assisting law enforcement, herding breeds are as diverse as they are capable.

     

    Herding Behaviour

    The herding instinct is deeply ingrained in these breeds, and it sometimes manifests in surprising ways. For instance, herding dogs may try to “herd” their owners, especially children, by gently nipping at their heels or corralling them.

    Herding techniques also vary amongst breeds:

    • Barking and Circling: Some breeds, such as Australian Cattle Dogs, drive livestock by barking and nipping at their heels.
    • Silent Stare: Others, such as Border Collies, use an intense gaze to control and direct the flock.

     

    Popular Breeds in the Herding Group

    Some of the most beloved herding breeds include:

    • Border Collie: Famous for their intelligence and work ethic, they excel in agility and obedience sports.
    • Australian Shepherd: Energetic and loyal, this breed thrives in active households.
    • German Shepherd: Renowned for their versatility, they are often employed in police, military, and protection roles.
    • Belgian Malinois: Agile and focused, they are preferred for high stakes working environments.
    • Old English Sheepdog: A fluffy favourite known for its gentle nature and ability to herd sheep.

     

    Are Herding Breeds Right for You?

    If you’re an active individual or family looking for a loyal, energetic companion, a herding breed might be the perfect match. These dogs excel in homes where they can participate in regular outdoor activities and receive consistent training. Their protective instincts and eagerness to please make them beloved members of the family.

  • WHEN INSURANCE SAYS ‘IT’S NOT YOU, IT’S ME’

    WHEN INSURANCE SAYS ‘IT’S NOT YOU, IT’S ME’

     

    Breakups are tough, especially when it’s your insurance company delivering the news. While it might feel personal, there are a few reasons why insurers might part ways with you (and, spoiler alert) it’s usually them.

     

    Why Does an Insurer ‘Break Up’ With You?

    1. High Risk, High Stakes

    Insurance is all about risk, and if the insurer decides your risk profile has become too high, they might call it quits. This could happen if you’ve had multiple high-risk claims in a short period of time or if your circumstances change, making you a higher-risk policyholder.

    2. Non-Payment of Premiums

    Love is a two-way street. If premiums aren’t paid on time, the insurer might consider it a deal-breaker. Set reminders or choose auto-debit options to keep the relationship healthy.

    We make it easy for you to pay your premiums! It’s all online. Just log in to your portal and follow the steps.

    3. Failure to Disclose

    You know what they say: Don’t try to be perfect; just be honest! If you forget to mention you were in a previous car accident or that your new dog was already previously diagnosed with an illness, your insurer could feel blindsided and decide to walk away.

    4. Policy Violations

    Every relationship has boundaries, and insurance is no different. If you violate the terms of your policy (e.g., driving recklessly or neglecting regular maintenance), your insurer might reconsider the partnership.

     

    How to Avoid the Breakup

    Be Transparent: Always inform your insurer about changes in your life, car, or home.

    Stay Responsible: Drive safely, maintain your property and give your pets the care they deserve.

    Choose the Right Partner: At dotsure.co.za, we work to make the relationship as smooth and supportive as possible.

  • WHAT DOES YOUR EXTENDED CAR WARRANTY ACTUALLY COVER?

    WHAT DOES YOUR EXTENDED CAR WARRANTY ACTUALLY COVER?

     

    When it comes to insurance, these big terms can sound like a foreign language. Especially when terms such as “extended car warranty” are thrown around. What does “extended” mean? What does it cover? And, most importantly, how does it protect you? Don’t worry; we don’t want you to sign up before you know exactly what it means. So, let’s unpack it right here, right now!

    RELATED: WARRANTY KNOW-HOW: YOUR MOST COMMON QUESTIONS ANSWERED

     

    Worry-Free Extended Car Warranty

    What’s Covered:

    We cover both mechanical and electrical failures. So, whether it’s your gearbox or your car’s air conditioning system, we’ve got your back. Plus, you get up to R400 000 coverage on over 60 components. Here’s a closer look:

    • Essential Components:
      • Engine
      • Transmission
      • Suspension
      • Steering
      • Electrical systems
      • Cambelt
      • Plus, about 54 more! Speak to a consultant when signing up; they’ll tell you more.
    • Emergency Roadside & Medical Assistance:
      If you’re stuck on the side of the road or need to be airlifted to the nearest hospital, don’t worry. We’ll help you get back on track. Plus, this service is 24/7 and free with your cover!

     

    Additional Benefits That Go the Extra Mile

    We’re not basic. We’re experts who go above and beyond. Here’s some unique benefits for you:

    • CoverXtender:
      Sometimes, car repairs can cost more than expected. With CoverXtender, you can stretch your parts limit once a year at no extra cost, just in case your repair bill exceeds your standard coverage.
    • ServiceXtender (Optional):
      This add-on can contribute to your annual car service and even help with minor chips and scratches. It’s the ultimate convenience for keeping your car in tip-top shape.

    RELATED: WHAT ARE THE DIFFERENCES BETWEEN MAINTENANCE PLANS, SERVICE PLANS, AND WARRANTIES?

     

    What’s Not Covered?

    While we do cover much, there are a few things you should know:

    • Regular wear-and-tear items such as tyres, brake pads, and wiper blades aren’t included.
    • Damage from neglect or failure to maintain your car (e.g., skipping annual services) are excluded.

    Tip: Follow your car’s annual servicing schedule to ensure your warranty remains valid. Did you miss a service? Don’t panic. we’ve got a 30-day grace period to resolve the issue.

     

    Get Cover!

    Now that you understand what your extended car warranty covers, it’s time to get cover. Protect your car’s parts and get a quote today.

  • WHAT DOES MY DOG’S SLEEPING POSITION MEAN?

    WHAT DOES MY DOG’S SLEEPING POSITION MEAN?

     

    Ever caught your furry friend curled up in a ball, stretched out, or snoozing belly up with their paws in the air? A dog’s sleeping position is more than just adorable, it can reveal a lot about their personality, comfort level, and even their health.

     

    The Side Sleeper

    • What it Looks Like: Your dog is lying on their side, limbs extended, and belly partly exposed.
    • What it Means: This is one of the most relaxed positions for dogs. A side-sleeping pup feels safe, content, and at ease in their environment.
    • Pro Tip: If your dog chooses a cool tile floor on a hot day, they may be trying to cool down. Consider a cooling mat to help them stay comfortable.

     

    The Doughnut

    • What it Looks Like: Curled into a tight ball, with paws tucked in and tail wrapped around their body.
    • What it Means: This position is often about conserving body heat, which is why it’s popular with dogs who feel chilly. It’s also common in shy or reserved pups, or those adjusting to a new home.
    • Health Note: If your dog doesn’t typically sleep this way but suddenly does, they could be feeling unwell. Monitor their behaviour and consult your vet if needed.

     

    The Superman

    • What it Looks Like: Belly down, with front legs stretched forward and back legs extended behind.
    • What it Means: This playful position is popular among puppies and high-energy breeds such as French Bulldogs and Pugs. It suggests your pup is tired but ready to jump back into action after their nap.
    • Fun Fact: The Superman pose often doubles as a cooling position, allowing your dog’s belly to rest on a cool surface.

     

    The Lion’s Pose

    • What it Looks Like: Your dog rests belly down, with their head perched on their front paws.
    • What it Means: This position is often seen when dogs are alert but relaxed. It’s a favourite of loyal pups who want to stay aware of their surroundings, whether they’re guarding the house or keeping an eye on their family.
    • Comfort Tip: Anxious dogs in this position may benefit from a calming dog bed to help them relax.

     

    The Belly-Up

    • What it Looks Like: Legs in the air, belly exposed, often referred to as the “dying cockroach.”
    • What it Means: A dog in this position feels completely safe and trusts their environment. It’s also a way to cool off, as exposing the belly helps regulate body temperature.
    • Age Insight: While this position is common in puppies, older dogs may prefer the side sleeper as they age, as the belly-up pose can strain their spine.

     

    The Burrower

    • What it Looks Like: Nestled under a blanket, pillow, or even your clothes.
    • What it Means: This position shows your pup is seeking warmth or security. Burrowing can also be a way for dogs to calm themselves in stressful situations.
    • Comfort Hack: Provide a soft, plush bed with an extra blanket for ultimate burrowing bliss.

     

    Why Dogs Switch Positions

    Dogs sleep for 12–16 hours daily (even more for puppies), and their positions often change based on their mood, temperature, or health. While some positions are about comfort, others signal how your dog feels physically and emotionally.

  • 15 WAYS PETS IMPROVE OUR LIVES

    15 WAYS PETS IMPROVE OUR LIVES

     

    We fully agree that pets are part of the family: They bring joy, comfort, and countless benefits to our lives. The fact is, the bond between humans and animals has transformative effects.

     

    Mental Health Boosters

    Pets have a profound impact on our mental wellbeing.

    • Calming the Mind: Stroking or playing with a pet releases serotonin and dopamine, the “feel-good” hormones that reduce stress and elevate mood.
    • Therapeutic Companionship: Pets are often used in therapy for trauma recovery, as they offer non-judgmental comfort, helping individuals work through challenging emotions.
    • Creating Routine: Caring for a pet adds structure to your day, which can be particularly beneficial for those managing mental health challenges.

     

    Physical Health Perks

    Having a pet is good for your heart, figuratively and literally.

    • Lower Stress Hormones: Interacting with pets has been shown to reduce cortisol levels, easing the effects of stress.
    • Better Heart Health: Pet parents often have lower blood pressure, cholesterol, and triglyceride levels, reducing the risk of heart disease.
    • Encouraging Exercise: Dogs, in particular, motivate owners to stay active, whether it’s daily walks, playful games of fetch, or outdoor adventures.

     

    Social Benefits

    Pets are natural social connectors, who can help break the ice.

    • Easing Loneliness: For those who live alone or work from home, pets offer consistent companionship.
    • Fostering Friendships: Walks in the park, visits to pet stores, or attending training classes often lead to meeting fellow pet enthusiasts.
    • Building Empathy: Caring for a pet nurtures patience and empathy, which are traits that can strengthen relationships with others.

     

    Different Life Stages

    For Children

    • Teaching Responsibility: Feeding, grooming, and caring for a pet instils accountability in children.
    • Boosting Confidence: The unconditional love of a pet helps children build self-esteem and a sense of importance.
    • Enhancing Social Skills: Children with pets often develop empathy and communication skills, helping them form stronger relationships with others.

    For Seniors

    • Providing Purpose: Caring for a pet can restore a sense of meaning and routine after retirement or life changes.
    • Encouraging Activity: Pets inspire older adults to stay active and engaged, boosting energy and immune function.
    • Combating Isolation: Pets are wonderful companions, who can also help spark conversations and new friendships.

     

    A Tail-Wagging Reminder

    Pets enrich our lives in countless ways, and the bond you share is one of life’s greatest joys. So, why not return the favour? Protect their unconditional love with wholehearted pet insurance!

  • SHOULD YOU GET AN EXTENDED WARRANTY ON A USED CAR?

    SHOULD YOU GET AN EXTENDED WARRANTY ON A USED CAR?

     

    Buying a used car can feel like a huge win: lower price and solid value. But let’s say you bought it privately or on auction. Sometimes, the manufacturer and dealer warranty has expired.

     

    What’s the Difference Between a Car Warranty and an Extended Motor Warranty?

    When it comes to warranties, it’s good to know the basics:

    • Manufacturer Warranty:

      This is the coverage your car gets when it’s brand new, provided by the manufacturer. It typically lasts for a specific period, like 3 years or 100 000 km (whichever comes first), covering factory defects or faults.

    • Dealer Warranty:

      When you buy a pre-owned car from a dealership, it might come with a dealer warranty. These are usually shorter-term and may have limited coverage compared to manufacturer warranties.

    • Extended Car Warranty:

      Once your manufacturer or dealer warranty expires, an extended car warranty steps in. Without it, you’re exposed to the unexpected and need an additional safety net. At dotsure.co.za, we offer extended warranties for cars up to 15 years old and with up to 300 000 km on the clock, perfect for your “golden oldie.”

    RELATED: EXTENDED CAR WARRANTY VS SERVICE PLAN

     

    Why Our Extended Warranty is Perfect for Used Cars

    • Protection Against Costly Repairs:

      Older cars are more likely to need repairs for mechanical or electrical breakdowns. An extended warranty ensures you don’t have to dip into your savings.

    • Peace of Mind:

      Knowing you’re covered for expensive repair bills makes enjoying the drive much easier.

    • Tailored Coverage:

      With dotsure.co.za, you can choose a plan that fits your needs and budget. Why should you save by buying a used car and not when it comes to the cover you need for it?

     

    Ready to Keep Your Used Car Covered?

    dotsure.co.za makes it easy to protect your ride:

    • We offer cover for up to 60 car parts!
    • It includes mechanical and electrical repairs, replacement parts, and emergency roadside and medical assistance.

    Get a quote today and protect your used car.

  • QUIZ: HOW TO KNOW IF YOU’RE READY FOR A PET

    QUIZ: HOW TO KNOW IF YOU’RE READY FOR A PET

     

    These questions can help you determine if you’re prepared for the responsibilities and joys that come with being a pet parent.

     

    Take the Quiz!

    Why do you want a pet?

    a) For companionship and I’m prepared for the responsibility. (3 points)

    b) Because they’re cute and fun. (2 points)

    c) I’m not sure, I just feel like it. (1 point)

    How much time can you dedicate to a pet each day?

    a) A few hours daily, including walks, playtime, and training. (3 points)

    b) An hour or two, if I’m not busy. (2 points)

    c) I might not have time every day. (1 point)

    Do you have the financial means to care for a pet?

    a) Yes, I’ve budgeted for it, including pet insurance. (3 points)

    b) I can manage the basics, but might struggle with unexpected costs. (2 points)

    c) I’m not sure if I can afford it right now. (1 point)

    Do you live in a pet-friendly environment?

    a) Yes, I live in a pet-friendly home and neighbourhood. (3 points)

    b) It’s manageable, but there might be some challenges. (2 points)

    c) No, my living situation isn’t ideal for pets. (1 point)

    How much do you know about the type of pet you’re considering?

    a) A lot! I’ve done my research, and I know what they need. (3 points)

    b) Somewhat, but I still have questions. (2 points)

    c) Not much, I’ll figure it out as I go. (1 point)

    How will you handle your pet when travelling or during emergencies?

    a) I have plans in place for pet care. (3 points)

    b) I might need to scramble, but I’ll find a solution. (2 points)

    c) I haven’t thought about it yet. (1 point)

    Are you prepared for the long-term commitment a pet requires?

    a) Yes, I understand pets are a lifetime responsibility. (3 points)

    b) I think so, but it feels a bit daunting. (2 points)

    c) Not really, I’ll see how it goes. (1 point)

    How do you feel about cleaning up after a pet?

    a) It’s part of the deal, and I’m fine with it. (3 points)

    b) I’m okay with it, but it’s not my favourite idea. (2 points)

    c) I really don’t want to deal with that. (1 point)

     

    The Results Are In

    21-24 Points: Pro Pet Parent!

    You’re well-prepared for the commitment of providing a loving home for a pet.

    15-20 Points: Almost Ready!

    You’re close, but there are a few things to consider before making this decision.

    8-14 Points: Think Twice.

    Adding a pet to the family might not be the best choice for you right now.

    7 Points or Less: Not Ready Yet.

    Pets require significant time, effort, and money. Take your time to evaluate whether a pet will fit into your life.

     

    Still Have Love to Give?

    If you’re overflowing with love for animals but aren’t ready for a pet just yet, you can still make a difference. Consider donating supplies or volunteering at your local shelter. Every little bit helps!

  • LOVE INSURANCE? HERE’S WHY!

    LOVE INSURANCE? HERE’S WHY!

     

    Insurance might not seem like something worth crushing over, but it’s easy to fall head over heels when you look a little closer. Okay, maybe that’s going a bit far. But there are so many things to love about insurance. Bad experiences or terminology that “tricked” you may have caused some doubt, and now you believe insurance is the problem. Well, we’re here to let you know that it probably wasn’t. Maybe it was because you didn’t choose the right provider (aka, you didn’t choose dotsure.co.za). Here’s why we think insurance should win your heart.

     

    All The Reasons To Love Insurance

    1. You Can Always Count On Us

    Life happens. Cars break down, pets fall ill, or the business you’ve built from the ground up burns down. With insurance, you’ve got someone to protect you, hold you and tell you everything is going to be okay! No need to dip into your savings and borrow from future you. There’s business, car, home, or pet insurance for that!

    2. Peace of Mind, All the Time

    Love is about trust, and insurance gives you just that. And with dotsure.co.za, there are no secrets. No ghosting or awkward “read between the lines” surprises here. We actually care about you, so we’re always here to protect you.

    RELATED: INSURANCE AND YOUR MENTAL HEALTH

    3. Tailored for You

    We don’t do “one-size-fits-all.” Love isn’t about settling for only one type, and neither is insurance. From pet cover to car insurance and home contents protection, we offer you cover options that fit your lifestyle and budget.

    4. We’re There for the ‘What Ifs’

    Life throws curveballs. An insurance policy is your declaration of love to yourself and your family. When you choose cover, you’re choosing to keep the things and people you love, safe.

    5. We Never Judge

    Whether you’re a new driver and had your first fender bender or own a mischievous pet who swallows underwear for dessert, we’ve seen it all. There’s no judgment here. Just solutions that help you get back on your feet (or paws).

     

    Ready To Give Insurance a Second Chance?

    Whether it’s safeguarding your wheels, fur babies or home, cover from dotsure.co.za will make you fall in love with insurance! Get a quote today and experience the warm fuzzy feeling of being insured. Cheesy? Maybe. Covered? Absolutely!

  • TRAFFIC FINES: EVERYTHING YOU NEED TO KNOW

    TRAFFIC FINES: EVERYTHING YOU NEED TO KNOW

     

    Let’s face it; traffic fines aren’t exactly anyone’s favourite mail delivery. Plus, when you don’t often get mail (no one writes letters anymore ☹), it’s quite disappointing when you do finally receive one, and it’s a fines notice. However, understanding how traffic fines work, and knowing the process for paying them, are essential for all motorists. Let’s take a closer look and answer some common questions.

     

    Understanding Traffic Fines in SA

    Traffic fines are penalties imposed on motorists for violating traffic laws. They play a crucial role in:

    • Maintaining road safety
    • Ensuring compliance with traffic regulations
    • Promoting responsible driving behaviour

     

    Common Traffic Offences

    Some of the most common traffic offences in South Africa include:

    • Speeding
    • Reckless driving
    • Failure to obey traffic signals
    • Improper parking
    • Driving without a valid license or vehicle registration

    The severity of the offence determines the fine amount. For example, stopping past the line at a robot might result in a smaller fine than speeding.

     

    How Are Traffic Fines Issued?

    Traffic fines are typically issued in two ways:

    • Direct citation: A traffic officer issues the fine on the spot.
    • Camera system: Violations like speeding or running a red light are captured by cameras.

    Once issued, you’ll receive your fine in the mail. Again, it’s not as pleasant an experience as when we used to receive physical birthday cards from family members.

     

    How to Pay Your Traffic Fines

    • Online: Most municipalities have online payment platforms. All you need is your fine notice number, vehicle registration and a valid payment method.
    • Municipal Offices: Head to your local traffic department (yay) or municipal office. Bring your fine notice, ID, cash or card, and maybe some snacks. You may be there for a while.
    • EFT: Check your fine notice for banking details and make a transfer using your banking app. Remember the reference number!
    • Postal Payment: This is old-school but still an option. Mail a cheque or postal order with your fine notice to the relevant authority.

    Want to know what else we cover? Check out our blog, CAR INSURANCE: WHAT’S COVERED?

     

    How to Reduce Traffic Fines

    Looking to reduce your traffic fines? Here are some strategies:

    • Early Payment: Some municipalities offer discounts for early payment.
    • Representation: You can contest the fine if it was issued incorrectly.
    • Defensive Driving Courses: Some jurisdictions may reduce fines if you complete an approved driving course.
    • Use the Road Protect benefit included in your dotsure.co.za policy: With this, we can help negotiate fine reductions on your behalf.

    NB! Failure to pay traffic fines within 30 days may result in:

    • Increased fine amounts
    • A summons to appear in court
    • A warrant for your arrest (don’t let it come to this)

     

    How We Can Help

    As we mentioned earlier, if you’re a dotsure.co.za policyholder, you benefit from us on your side!

    • Road Protect: Assistance with fine payments and potential reductions.
    • License Protect: Reminders for license renewals to avoid related fines.
    • Fines Protect: Alerts for new fines and facilitation of seamless payments.

    Want to learn more about how we can help you stay on top of your traffic fines? Get a quote today!

  • WHY SOME DOGS CAN’T STOP LICKING

    WHY SOME DOGS CAN’T STOP LICKING

     

    Dogs are known for licking, as it’s a natural behaviour that helps them explore their environment and express themselves. But when licking becomes excessive, it can signal underlying issues that might need your attention.

     

    Causes of Excessive Licking

    Behavioural Reasons

    • Boredom or Anxiety: Licking can be a way for dogs to self-soothe, as it releases relaxing hormones like dopamine. Look for triggers such as being left alone (separation anxiety) or a lack of mental stimulation.
    • Affection or Attention-Seeking: Dogs may lick their owners or other pets as a sign of affection, mimicking the nurturing licks they received as puppies. Sometimes, it’s simply a way to say hello or grab your attention.
    • Habit or Comfort: For some dogs licking becomes a habit, much like humans biting their nails or twirling their hair.
    • Taste or Hunger: Dogs might lick their lips because they’re hungry, or they might lick you because they enjoy the salty taste of your skin.

    Medical Reasons

    • Allergies: Skin allergies triggered by pollen, food, or fleas can cause intense itching, leading to excessive licking.
    • Infections: Bacterial, fungal, or parasitic infections can irritate the skin. Fleas, ticks, or hot spots (infected skin areas) are common culprits.
    • Pain or Discomfort: Dogs might lick a specific area, like a joint to soothe pain caused by arthritis or injury.
    • Gastrointestinal Issues: An upset stomach can prompt dogs to lick unusual surfaces, the air, or their abdomen. Research suggests that up to 60% of dogs with excessive licking behaviours may have a GI disorder.
    • Neurological or Cognitive Issues: Neurological conditions or age-related cognitive dysfunction can lead to compulsive licking.
    • Dental Problems: Oral pain, lesions, or dental disease might lead to increased licking often accompanied by bad breath.

     

    How to Help a Dog That Licks Excessively

    For Medical Causes:

    • Treat Allergies: Work with your vet to identify allergens and manage symptoms with medications or dietary changes.
    • Address Skin Conditions: Use flea and tick prevention and treat infections promptly.
    • Manage Pain: Joint supplements, arthritis medication, or prescribed pain relievers can help reduce discomfort.
    • Treat GI Issues: Diet adjustments or medication may alleviate gastrointestinal distress.

    For Behavioural Causes:

    • Mental and Physical Stimulation: Engage your dog with toys, games, and regular exercise to combat boredom.
    • Redirect Attention: Use commands like “leave it” and reward your dog when they stop licking.
    • Avoid Reinforcement: Ignore your dog when they lick excessively for attention to help break the habit.
    • Calming Environments: If anxiety is the root cause consider calming aids like vests or pheromone diffusers.
    • Seek Professional Help: A dog trainer could help address compulsive behaviours.

     

    When to See the Vet

    While occasional licking is harmless, excessive licking often results in negative side effects, such as:

    • Hair loss or bald patches.
    • Skin redness, irritation, or discharge.
    • Disrupted sleep due to constant grooming.
    • Whimpering or discomfort while licking.
    • Neglect of normal activities like playing.

    If you notice these signs, your dog may be dealing with more than just a quirky habit. Early intervention can prevent further complications and help your pup feel better sooner.

  • 7 TIPS FOR SMALL BUSINESS OWNERS

    7 TIPS FOR SMALL BUSINESS OWNERS

     

    Starting a small business is an exciting yet challenging journey. While the road ahead may seem uncertain, you can increase your chances of success by learning from others’ experiences and following proven strategies. Here are a few practical tips to help you through the early stages of building a thriving venture!

     

    Focus on the Business, Not Just the Offering

    It’s easy to fall in love with a specific product or service, but this can limit your adaptability. Instead, embrace the concept of being a business owner. The ability to pivot and adjust your offerings in response to market needs is invaluable.

     

    Break Big Goals into Manageable Steps

    Define long-term goals, such as one-year and five-year objectives, and break them down into monthly milestones. These smaller, actionable steps will help you stay on track and measure progress effectively.

     

    Start Simple and Stay Focused

    Many entrepreneurs are tempted to overcomplicate their initial business ideas. Avoid unnecessary features and concentrate on delivering a high-quality product or service that solves a specific problem for your target audience. As your business grows, you can expand your offerings.

     

    Build an A-Team

    Delegate tasks that aren’t your strengths to qualified team members or outsource them. When hiring, look beyond skills. Seek individuals whose values and creativity align with your business vision.

     

    Count the Costs

    Calculate all potential expenses, including rent, supplies, marketing, and utilities. Develop a realistic business budget and explore funding options such as small business loans or investors. A solid financial foundation is essential to sustaining your operations.

     

    Automation is Your Friend

    Streamline your daily operations by implementing efficient processes and leveraging the power of technology. Automating repetitive tasks not only saves time, but also improves accuracy and consistency in your business.

     

    Protect Your Business

    Unexpected setbacks can derail even the best-planned businesses. Invest in insurance tailored to your small business needs, to cover industry-specific risks.

  • HOW MUCH WILL MY CAR INSURANCE COST? LET’S BREAK IT DOWN!

    HOW MUCH WILL MY CAR INSURANCE COST? LET’S BREAK IT DOWN!

     

    So, you plan  to insure your vehicle and wondering, “How much will my car insurance really cost?”. The answer isn’t just some random number we spin. The truth is that premiums vary from person to person. For example, a single driver, with access to secure parking, who only drives during the week, won’t pay the same premium as a mom living on the coast, commuting daily, in a big family SUV.

    As they say in Gen Z and Millennial lingo, it all comes down to the “deets” (details).?

    Don’t worry; this blog does not end here. Let’s unpack these “deets” so that you can understand exactly what factors affect your car insurance premiums.

     

    What Affects Your Car Insurance Premium?

    The Car You Drive

    • Make and Model: High-performance or luxury cars often have higher premiums due to costly repairs and harder-to-source parts.
    • Age of the Vehicle: Newer cars cost more to insure because of their higher value. That said, older luxury cars can sometimes be just as pricey!
    • Safety Features: Cars with alarms, trackers, or advanced safety systems are considered lower risks, making them cheaper to insure.

    You, as The Driver

    • Age and Driving Experience: Younger drivers, or those with less experience, typically pay more. K53 only gets you so far, and a few fender benders are almost a rite of passage.
    • Driving History: A clean record equals lower premiums, but accidents or fines can push them up.
    • Occupation: If your job keeps you on the road, your risk profile increases, affecting insurance costs.

    Where You Live

    • Residential Area: Higher crime or accident rates in your area can raise premiums.
    • Parking Situation: A locked garage could help reduce costs, while street parking may increase your risk.

    How You Use Your Car

    • Daily Commutes vs Weekend Drives: More mileage generally means a higher accident risk, which affects premiums.
    • Business or Personal Use: Cars used for business purposes tend to cost more to insure, especially if others drive them on your behalf.

    Policy Add-Ons

    • Extras such as roadside assistance or car hire add convenience but can increase your premium slightly.

    RELATED: AFTER-HOURS EMERGENCIES ON THE ROAD.

     

    With Us, You Control How Much Your Car Insurance Costs

    At dotsure.co.za, your premiums work for you because with Name Your Price™, you can choose cover that fits your lifestyle and pocket. Basically, all your deets are the ingredients, and we use them to make the perfect insurance recipe just for you.

    Check it out: 7 WAYS TO SAVE ON  CAR INSURANCE WITH US.

     

    The Bottom Line

    Car insurance premiums don’t have to be a secret. And when you understand the factors that influence your premiums, you’re in the driver’s seat! Plus, with car insurance from dotsure.co.za, you have the perfect insurance dish: flexible, affordable and customisable, made just for you!

    Ready to save? Get an instant quote and start customising your policy today!

  • THE TOP 5 CAT BREEDS IN SA

    THE TOP 5 CAT BREEDS IN SA

     

    Cats, cats, cats; we love them all! But who are the top cat breeds in South Africa? With so many feline friends to choose from, here’s a look at some of Mzansi’s most loved kitties.

    American Shorthair

    Low-maintenance and family-friendly, American Shorthairs are the ultimate lap cats. Known for their even temper and adaptability, they are purr-fect for first-time cat owners.

    Bengal

    Bengals’ gorgeous spots and endless energy make them a stunning addition to any family who enjoys activity. They’re highly playful and intelligent, needing plenty of stimulation and interactive toys to stay happy.

    Bombay

    Bombays have a sleek black coat, copper eyes and a love for staying home. These affectionate cats thrive in calm households where they can stay close to their humans. They are also very sociable with their owners and almost anyone who crosses their path (no bad luck here).

    RELATED: 7 REASONS TO LOVE BLACK CATS

    Maine Coon

    The gentle giant: Sweet, smart and great with families. Their long fur needs regular grooming to prevent matting, and they love climbing structures. Despite their size, they are known for being gentle, friendly, and sociable.

    RELATED: CAT LOVERS: KEEN TO ADOPT A MAINE COON CAT?

    Ragdoll

    Soft and silky, Ragdolls are known to be incredibly gentle and love a cuddle. Their relaxed and easy-going nature makes them perfect for a calm household looking for affection. While Ragdolls are not hypoallergenic, they are among the best cat for allergies thanks to low shedding coats with no undercoat.

    RELATED: VET ADVICE: TOP TIPS TO BEAT THE SNIFFS

    Bonus – Domestic Short Hair

    The domestic shorthair cat is probably the most common cat in South Africa! They’re a mixed breed known for their short, sleek coats in various colours. Their personalities also range from friendly and playful, to curious and sociable, to calm or lazy.

    Cover SA’s Top Cats with Pet Insurance

    Come one, come all! No matter what breed, we have the cover to match! Fetch your quote today and enjoy all the protection from SA’s #1 Insurer!

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • MOTIVATIONAL QUOTES FOR SMALL BUSINESS SUCCESS

    MOTIVATIONAL QUOTES FOR SMALL BUSINESS SUCCESS

     

    Running a business can be challenging, but the right words can spark inspiration when you need it most. We’ve created a collection of motivational quote for small business owners! Perfect for your workspace or LinkedIn. Save and share these to keep the momentum going!

    Kick 2025 With Our Motivational Quotes For Small Businesses

    An inspiring quote emphasizing that success comes from daily small efforts, encouraging a consistent and dedicated approach.

    “Success is the sum of small efforts, repeated day in and day out.” – Robert Collier

    Success isn’t a one-time thing! A series of consistent actions, day after day, make all the difference. When you focus on small, intentional steps, those efforts compound into big results.

    A motivational quote by Oprah Winfrey: "Do what you love, and success will follow," inspiring passion and achievement.

    “Do what you love, and success will follow.” – Oprah Winfrey

    Passion fuels progress, people! There are many versions of this, but it shows in all aspects of your work when you love what you do. Customers feel it, your work thrives, and growth often follows.

    Inspirational quote by Mark Twain: "The secret of getting ahead is getting started."

    “The secret of getting ahead is getting started.” – Mark Twain
    A blank canvas can be intimidating. But the key here is not to overthink it! Taking the first step, no matter how small, breaks the mental block. If you’re considering starting your own business, turn those notebook ideas into a strategy, even if the doors aren’t opening just yet.

    Chris Grosser's quote: "Opportunities don't happen. You create them." Inspiring words about taking initiative.

    “Opportunities don’t happen. You create them.” – Chris Grosser.

    Great businesses aren’t built by waiting for the right moment, but by proactive thinking and action. Define your ‘why’ and let it guide every decision you make. When you take charge, you’ll create the opportunities you need, not just the ones you want.

    A motivational quote by Theodore Roosevelt: "Believe in yourself, and you’re already halfway there."

    “Believe in yourself, and you’re already halfway there.” – Theodore Roosevelt

    Confidence is your foundation. Trusting yourself and your abilities is the starting point of every success story. When you back yourself, you’ve already won half the battle.

     

    How to Use These Quotes:

    • Print them for your workspace
    • Share them on your LinkedIn with the hashtag #DotsureBusinessSuccess
    • Use them in team meetings for a motivational boost
    • Save them for your desktop

    PS: Get small business insurance from dotsure.co.za for more business success! We offer personalised business insurance cover to match your small business needs!

  • TERRIERS UNLEASHED! EVERYTHING YOU NEED TO KNOW ABOUT THIS FIESTY BREED

    TERRIERS UNLEASHED! EVERYTHING YOU NEED TO KNOW ABOUT THIS FIESTY BREED

     

    How to Care for Terriers:

    Terriers may be small; but their personalities are HUGE! Known for their boundless energy and bold nature, these feisty animals were initially bred for hunting and pest control.

    History and Characteristics

    Terriers originated in the UK and were bred to hunt small vermin. Their name comes from the Latin word “terra”, meaning earth, a nod to their ground-digging skills. Their instincts and fearlessness made them ideal for farm work and pest control.

    This means you can’t be too precious about your flower beds if you have a terrier running around your garden. They were born to dig!?

    Popular Types of Terriers:

    Terriers come in various sizes and coat types, but they all share a tenacious spirit and a love for activity.

    • Jack Russell Terrier: Energetic and adventurous, great for active families.
    • Scottish Terrier: Independent and intelligent, known for their iconic beard and eyebrows.
    • Yorkshire Terrier: Small but sassy, often seen as a lapdog with a feisty heart.
    • Bull Terrier: Distinctive egg-shaped head and playful nature.

    Care Guide:

    • Health: Terriers are generally healthy but can be prone to breed-specific issues such as hip dysplasia, patellar luxation and skin allergies. Regular vet visits and pet insurance from dotsure.co.za can help manage these health risks.
    • Grooming: Grooming needs vary by coat type. Wirehaired terriers require much more maintenance than smooth-coated breeds.
    • Exercise: Netflix and chill? BORING! These busybodies need daily walks, playtime and mental stimulation. Interactive toys, scent games and agility obstacle courses can keep them happy and prevent heavy sighs.
    • Training: Smart but stubborn, terriers respond best to positive reinforcement and rewards. Early socialisation is essential to prevent territorial behaviour. As with all dog training, patience and consistency work best.
    • Nutrition: A balanced diet suited to their size and energy level is key. Avoid the extra treat under the table, as some terrier breeds are prone to weight gain.

    Living With a Terrier

    Terriers are known for their bold personalities and endless curiosity. If you have an active household, any of these terrier breeds will thrive in your home.

    Plus, you know what they say… Dynamite comes in small terriers? Something like that. Just be prepared for digging, barking and a whole lot of personality. ?

    Psst! If you own a terrier and want to give it the best care, choose dotsure.co.za. Fetch a quote online today and give your feisty friend the protection it deserves.

  • HOW TO CHOOSE THE PERFECT PET FOR YOUR FAMILY

    HOW TO CHOOSE THE PERFECT PET FOR YOUR FAMILY

     

    Are you thinking about adding a new member to the family? With so many pets, from bunnies and snakes to cats and dogs, when it comes to know how to choose the perfect pet which best suits you and your family can feel overwhelming.

    There’s no need to sweat your paws, though! Here’s how to pick the purr-fect match.

    5 Factors to Consider When Choosing a Pet:

    1. Can You Afford a Pet?

    Food, vet bills, grooming and accessories; the costs add up! Plus, when budgeting, you must consider medication, emergency care or unexpected vet visits! We recommend factoring in pet insurance from dotsure.co.za, which will help protect your pet and your pocket. Check out our different plan options here.

    2. How Much Space Will They Need?

    If you’re considering a dog, do you have a big enough garden for them to run around in? And if it’s a cat you’re wanting to welcome home, do you have windows you can leave open for them to roam? Smaller pets such as hamsters need compact living spaces, while larger reptiles require a habitat that’s the right size, in a location with a stable temperature and away from direct sunlight.

    Basically, a Great Dane and a small flat with no garden don’t pair well. Consider your space and then choose the pet that best suits it. If your heart is still set on a big dog, then we suggest spending some time on Property24 first ?.

    3. Time Commitment

    No matter what breed or species of animal you decide on, they all need your love and attention! Are you ready for daily walks, regular playtime or litter box duty? Some pets, especially young puppies, parrots or exotic reptiles, need more interaction than others. Consider low-maintenance pets such as cats or guinea pigs if your to-do list already bursts off the page!

    4. Lifestyle Fit

    Are you an active family? Consider a playful pup such as a Border Collie. Do you prefer afternoon naps in the sun? A cat or bunny could be ideal. Choose a pet that fits in with your lifestyle rather than trying to fit in with theirs.

    5. Allergies Alert

    Pets with fur or feathers are more likely to trigger allergies than scaly animals, such as reptiles and amphibians. If you’re always one sniff away from a sneeze attack, do some research on breeds that are less likely to set off your allergies.

    Choose the Perfect Pet Insurance

    No matter what pet you choose, there’s one choice that is a no-brainer: covering your new pet with dotsure.co.za, SA’s best pet insurer*. With plans for cats, dogs, birds, reptiles, bunnies and more, whichever pet you choose, we’ve got the care to match.

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • HOW TO CARE FOR YOUR PET: TIPS AND TRICKS WITH DOTSURE.CO.ZA

    HOW TO CARE FOR YOUR PET: TIPS AND TRICKS WITH DOTSURE.CO.ZA

     

    Being a pet parent is like having a full-time job! That’s why, whether you’ve just adopted a new family member or want to ensure you’re doing the best you can for your current furry friend, you need a game plan on how to care for your pet.

    The first step is to ensure you know everything about your animal. If you’re a new pet owner, we suggest starting by consulting your vet and doing some research online.

    After that many things can help you care for your pet. Here’s how to provide them with a happy, healthy life filled with all the love and cuddles they need!

    How to Take Care of Your Pet

    Nutrition Matters

    Feed your pet a balanced diet suited to their breed, size and age. From their pet food to their treats, check with your vet for specific diet recommendations based on your pet’s needs.

    Psst! We have a few breed-specific care guides; here are some you might enjoy:

    Hydration

    Always ensure fresh water is available at home and take some with you, along with a collapsable bowl, when you go on an adventure together! Hydration is essential for pets’ digestion, temperature regulation and overall health.

    Top tip: Cats can be fussy about water, so consider a pet fountain to encourage some water intake!

    Exercise and Play

    Regular walks, playtime and mental stimulation keep your pet happy and healthy. For extra enrichment, try puzzle toys, fetch or training games. There are also some fun tablet games for cats and dogs. Check out the AppStore or Google Play for some stimulating games that will also keep them busy and out of trouble ?.

    Vet Visits

    Routine check-ups identify potential health issues early. Keep vaccinations up-to-date, schedule dental cleanings and ensure preventative care such as tick and flea treatments.

    It is also important to spay or neuter your pet, as well as to get them microchipped!

    RELATED: VET ADVICE: WHY YOUR PET SHOULD BE MICROCHIPPED

    Bonding Time

    Quality bonding time strengthens your relationship with your pet. Make time for activities you both enjoy, and yes, cuddling is an activity,

    Training sessions can also be a great way to spend time together and to ensure that you and your pet understand each other.

    The Ultimate Care? Pet Insurance

    The best way to care for your pet is to make sure they’re protected with SA’s best pet insurer, dotsure.co.za!

    Don’t wait, get a quote today and give your pet the care they deserve.

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • THE ULTIMATE GOALS FOR SMALL BUSINESS SUCCESS IN 2025

    THE ULTIMATE GOALS FOR SMALL BUSINESS SUCCESS IN 2025

     

    Small businesses are the heartbeat of the economy, and 2025 is the perfect time to set bold objectives for growth and success. Whether you’re just starting out or already established, here are key small business goals to help you thrive in the year ahead.

    Your 2025 Business Goal Checklist:

    1. Strengthen Your Online Presence

    Hello, It’s 2025! Do we really need to harp on this one? We all know the importance of a digital footprint. Focus on strengthening that across all your digital platforms, from SEO to social media best practices.

    2. Prioritise Financial Security

    Financial stability is essential for long-term success. Review your business insurance policy to ensure you’re covered for unexpected events such as theft, fire or business interruptions. At dotsure.co.za, we offer tailored small business insurance solutions to protect you.

    Don’t you have business insurance? Get your business covered within 24 hours.

    3. Build Strong Customer Relationships

    Loyal customers are your biggest assets. To keep them coming back, focus on personalised service, loyalty rewards and genuine engagement. Remember, people like talking to people.

    4. Embrace Innovation

    Stay competitive by adopting the latest tech tools. From automated scheduling systems to AI-powered analytics, smart tech can streamline operations and save time.

    5. Invest in Your Team

    Can we get some morale? A motivated team is the backbone of your business. Encourage professional development, recognise achievements and foster a positive work culture.

    7. Give Back to Your Community

    Purpose-driven businesses stand out. Sponsor local events, support charities, or partner with initiatives that align with your values. Don’t force it; these initiatives or partnerships should come naturally.

    Did you know? At dotsure.co.za, we’re all about creating Soft Landings for our fans, employees and communities. Check out our Soft Landings initiatives here.

     

    Now, let’s make these small business goals happen. Here’s to an incredible 2025 with all the success and growth your business deserves.

  • BUSINESS INSURANCE SIMPLIFIED: WHAT YOU NEED TO KNOW

    BUSINESS INSURANCE SIMPLIFIED: WHAT YOU NEED TO KNOW

     

    How Business Insurance Works

    Business insurance protects your company from financial losses due to unforeseen events. At dotsure.co.za, we offer customised packages that combine property, motor, assets and liability insurance into one straightforward plan. This means you can get down to business, knowing that we’ve got you covered.

    What Does Business Insurance Cover?

    Our business insurance policies can be personalised to your specific needs, but typical business insurance coverage areas include:

    1. Property Damage: Protection for your buildings, office contents, and stock against perils such as fire, theft, and natural disasters.
    2. Business Interruption: Compensation for lost income if your operations are disrupted due to insured events.
    3. Liability Protection: Coverage against claims arising from injuries or damages related to your business activities.
    4. Commercial Vehicles: Insurance for company-owned vehicles used in daily operations.
    5. Goods in Transit: Safeguarding products being transported against loss or damage.
    6. Employer’s Liability: Cover for employee claims for work-related injuries or illnesses.

    RELATED: TAILORED COVER TO MATCH YOUR SMALL BUSINESS NEEDS

    What Does dotsure.co.za Business Insurance Cover?

    Let’s dive in to what dotsure.co.za can provide for you and your small business:

    1. Hospitality Cover

    This cover is ideal for hotels, guesthouses, and restaurants.

    • Business Interruption: Income replacement during disasters.
    • Property & Contents: Protection against fire, water damage and more.
    • Liability: Cover for guest-related claims, from injury to property damage.
    • Event & Booking Cancellations: Financial protection for cancellations.
    • Loss of Liquor Licence: If your licence is revoked, you get compensation for lost income.
    • Billing Cover: Protection if guests leave without paying.

    2. VetSure Cover

    Tailored for veterinary practices and animal care professionals.

    • Business Interruption: Income protection during closures.
    • Property & Contents: Cover for equipment, stock and medication.
    • Damage by Animals: Cover for property damage caused by animals.
    • Animal Bailee: Liability coverage for animal injury or loss.
    • Motor: Cover for business vehicles.

    3. Contractors’ All Risk Insurance

    Designed for construction and installation projects.

    • Construction Cover: Protection for projects from start to finish.
    • Public Liability: Cover for injury, death or property damage.
    • Debris Removal: Up to 10% of the contract value.
    • Off-Site Storage: Cover up to 15% of the contract value.
    • SASRIA: Riot, strike and public disorder cover.
    • Theft: On-site theft protection.

    4. Plant All Risk Insurance

    In construction and using heavy equipment? This cover was made for you.

    • Construction Equipment: Protection for damage, loss and temporary replacement or hire costs.
    • SASRIA: Riot, strike and public disorder protection.
    • Liability Cover: Third-party liability cover up to R2,5 million for accidental bodily injury, death or property damage.
    • Wreckage Removal: Optional extra, up to R20 000 cover per event.
    • Fire Extinguishing Costs: Optional extra, up to         R25 000 cover per event.
    • Stripping Costs: Optional extra, up to R25 000 cover per event.

    5. Church Cover

    Finally, this cover specifically supports places of worship and faith-based organisations

    • Buildings: Protection from unforeseen damages.
    • Public Liability: Cover for injury, death or property damage.
    • Loss of Income: Safeguards against revenue loss from disruptions.
    • Electronic Equipment: Cover for audiovisual and electronic equipment.
    • Motor Insurance: Protection for vehicles used by the church.
    • Theft & Money Cover: Protection against burglary and robbery.

    Now that you have a better understanding of how business insurance works, let’s get down to business! Get your business covered within 24 hours when you click here!

  • YOUR 2025 PET CALENDAR

    YOUR 2025 PET CALENDAR

     

    2025 Pet Holidays & Observances List for Animal Lovers

    If you’ve ever wanted a reason to throw a party for your pooch, post a selfie with your sassy cat, or spend a day spoiling your scaly, feathered or furry family member, you’re in luck! We’ve curated the ultimate 2025 Pet Calendar to ensure you never miss a whisker-worthy or tail-wagging celebration.

    PS: While marking these special dates, don’t forget to keep your pets covered with wholehearted Pet Insurance from dotsure.co.za!

    January

    Thyroid Awareness Month, National Train Your Dog Month, and Walk Your Pet Month set the tone for a healthy new year.

    • Month-long Observances:
      • Thyroid Awareness Month
      • Adopt a Rescued Bird Month
      • One Health Awareness Month
      • National Train Your Dog Month
      • Walk Your Pet Month
    • Important Dates:
      • 14 January: National Dress Up Your Pet Day
      • 24 January: Change a Pet’s Life Day

    February

    It’s all about dental health and responsible pet ownership this month.

    • Month-long Observances:
      • Pet Dental Health Month
      • Adopt a Rescued Rabbit Month
      • Responsible Pet Owners Month
    • Important Dates:
      • 20 February: Love Your Pet Day
      • 23 February: Dog Biscuit Appreciation Day

    March

    Pet Poison Prevention Month is the perfect time to make your home pet safe.

    • Month-long Observances:
      • Pet Poison Prevention Month
    • Dates:
      • 13 March: K9 Veterans Day
      • 17 March: St. Patrick’s Day
      • 23 March: National Puppy Day
      • 30 March: Take a Walk in the Park Day

    April

    Celebrate National Pet Day (11 Apr) and bring attention to World Veterinary Day (26 Apr)!

    • Month-long Observances:
      • National Pet First Aid Awareness Month
      • Heartworm Awareness Month
      • Prevention of Cruelty to Animals Month
      • Prevention of Lyme Disease in Dogs Month
    • Dates:
      • 11 April: National Pet Day
      • 17–23 April: National Pet ID Week
      • 24 April: International Guide Dog Day
      • 26 April: World Veterinary Day
      • 30 April: Adopt a Shelter Pet Day

    May

    From arthritis to asthma and allergies, this month reminds us to care for our pets.

    • Month-long Observances:
      • Arthritis Awareness Month
      • Asthma and Allergy Awareness Month
      • Service Dog Eye Examination Month
    • Dates:
      • 1–7 May: Be Kind to Animals Week
      • 3 May: Specially-Abled Pets Day
      • 4 May: Mayday for Mutts (First Sunday)
      • 11 May: Animal Disaster Preparedness Day
      • 13 May: Migratory Bird Day
      • 23 May: World Turtle Day

    June

    National Foster a Pet Month is a great chance to give animals a loving temporary home.

    • Month-long Observances:
      • National Foster a Pet Month
      • Adopt a Cat Month
      • National Microchipping Month
    • Dates:
      • 4 June: Hug Your Cat Day
      • 11 June: World Pet Memorial Day
      • 21 June: Take Your Dog to Work Day

    July

    We’re all for helping the shelters and adopting pets in July and all year round!

    • Month-long Observances:
      • Clear the Shelters Month
    • Dates:
      • 6 July: World Zoonoses Day (Raise awareness of diseases transmitted between humans and animals)
      • 10 July: Kitten Day
      • 18 July: Nelson Mandela Day (Dedicate your 67 minutes to help pets in need!)

    August

    Let the celebrations begin; it’s dotsure.co.za’s birthday month!

    • Month-long Observances:
      • Itchy Pet Awareness Month
      • National Immunization Month
    • Dates:
      • 8 August: International Cat Day
      • 14 August: World Lizard Day
      • 15 August: Check the Chip Day (Promote microchipping pets)
      • 16 August: dotsure.co.za’s Birthday!
      • 22 August: Take Your Cat to the Vet Day
      • 26 August: International Dog Day

    September

    September is Pet Insurance Awareness Month; it’s time to cover your furry friends!

    • Month-long Observances:
      • Rabies Awareness Month
      • Pet Insurance Awareness Month
      • Responsible Dog Ownership Month
      • Animal Pain Awareness Month
    • Dates:
      • 12–18 September: Adopt-a-Less-Adoptable-Pet Week (3rd week)
      • 22–28 September: Deaf Dog Awareness Week
      • 28 September: World Rabies Day

    October

    Get your walking shoes ready for a week of adventures; it’s also excellent for your mental health.

    PS: Don’t forget to say hi if a black cat crosses your path because it’s Black Cat Awareness Month!

    • Month-long Observances:
      • Black Cat Awareness Month
      • Mental Health Awareness Month
    • Dates:
      • 1–7 October: Walk Your Dog Week
      • 4 October: World Animal Day
      • 9 October: National Pet Obesity Awareness Day
      • 13 October: Vet Tech Week
      • 31 October: Halloween

    November

    Our senior pets deserve all the love and cuddles!

    • Month-long Observances:
      • Adopt a Senior Pet Month
      • Pet Cancer Awareness Month
      • Senior Pet Health Month
    • Dates:
      • 3–9 November: National Animal Shelter Appreciation Week
      • 17 November: Take a Hike Day (With pets!)
      • 18–24 November: Antibiotics Awareness Week

    December

    Happy Howlidays! Enjoy the festive season with your pets.

    • Month-long Observances:
      • National Cat Lovers’ Month
    • Dates:
      • 9 December: International Day of Veterinary Medicine
      • 15 December: Cat Herders’ Day
      • 25 December: Christmas Day

    Mark Your 2025 Pet Calendar Dates!

    Ready to keep track of every pet holiday in 2025? Mark these important dates on your phone, diary or desk calendar and make it a year to remember with your fur babies!

    And for everything else, there’s dotsure.co.za; South Africa’s #1 choice in Pet Insurance!*

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld and City Press.

  • VET ADVICE: SPOTTING THYROID ISSUES IN PETS

    VET ADVICE: SPOTTING THYROID ISSUES IN PETS

     

    Meet Dr Ashley Heymans

    We spoke to Dr Ashley Heymans from Manorswood Veterinary Clinic in Sandton about pet thyroid-related health issues, their signs and symptoms, and ways to manage them.

    Tell us a little more about you and what you do.

    “I am originally from Zimbabwe, where I grew up on a farm. I knew from about age five that I wanted to be a vet. I moved to South Africa in 2016 and qualified from Onderstepoort in 2021.”

    When did you decide to become a vet?

    “My career started in rural Limpopo, where I worked with a welfare organisation. It was there that I encountered and took home my two second-hand dogs, Frieda and Ellie. Frieda is a mixed breed that came in as a stray with horrible mange, and Ellie is a border collie that a breeder surrendered due to a large venereal tumour. Both dogs came with me when I moved to Johannesburg at the beginning of 2024 and are healthy and happy “Joburg girls” now. The dogs share their home with two rescue cats, Toast and Pepper.”

    Understanding Thyroid Issues in Pets

    What are the most common thyroid-related health issues found in pets?

    “The thyroid is a gland located in the neck that releases hormones. Thyroid hormones have many purposes but are primarily involved in controlling the metabolism. Dogs and cats can both be affected by problems in their thyroid glands. Most commonly, dogs can develop hypothyroidism (underactive thyroid gland), and cats can develop hyperthyroidism (overactive thyroid gland).”

    How do hyperthyroidism and hypothyroidism differ?

    “Hyperthyroidism is often seen in cats and rarely diagnosed in dogs. Cats with hyperthyroidism are usually older than 8 years old and their symptoms stem from too much thyroid hormones in the body, causing what is essentially an increased metabolism.

    Hypothyroidism is most often diagnosed in middle-aged dogs (2 to 9 years old) and very rarely in cats. Certain breeds, including Boxers, Dachshunds and Dobermans, are more commonly affected, but hypothyroidism can happen to any breed.”

    What are the main signs and symptoms?

    “Cats with hyperthyroidism may show:

    • Weight loss despite a normal or increased appetite
    • Hyperactivity
    • Increased drinking and urination
    • An unkempt coat

    Dogs with hypothyroidism may show:

    • Lethargy
    • Weight gain
    • Hair loss over the body and tail

    What are the treatment options available?

    “We can test thyroid hormone 4 (T4) levels by taking a blood sample from the cat. If the cat has elevated T4 levels, we can begin treatment for hyperthyroidism. There are several options to treat this condition. Most commonly vets recommend an anti-thyroid medication (a tablet given once a day) to reduce the activity of the thyroid. We can alternatively change to an iodine-restricted diet to reduce the thyroid hormone levels (Hills y/d Cat Food is one of these diets). However, only cats can eat this food, which can be difficult for homes with multiple animals. Some cases are suitable for a surgery called a thyroidectomy, where the thyroid gland is removed surgically.

    The individual cat, the feasibility of giving medication or changing diet, and the veterinarian’s available options all influence the decision about which method to use to manage the thyroid. Cats with hyperthyroidism risk developing other diseases, such as kidney disease and high blood pressure. So, regular checkups with the vet are strongly recommended to keep your cat healthy and happy.

    Diagnosing hypothyroidism is slightly more complicated than diagnosing hyperthyroidism, as we must test the thyroid hormone (T4) and thyroid-stimulating hormone (TSH) levels to check if the brain is trying to tell the thyroid to produce hormones. If there is high TSH and low T4, we can assume that the thyroid gland is underactive and begin treatment for hypothyroidism. We treat an underactive thyroid gland by supplementing thyroid hormones with oral medication. Treatment is lifelong.”

    What advice do you give pet parents to ensure early detection and effective management?

    “Early detection and starting treatment early in the course of the disease is essential for both hyperthyroidism and hypothyroidism. Your GP vet can most often do a diagnosis of hypothyroidism and hyperthyroidism. If you see signs in your cat or dog that are unusual or suspicious of these conditions, you should visit the vet and describe them. When the veterinarian recommends blood tests, owners are often reluctant to go through with them due to cost constraints. Blood tests are not cheap. However, the peace of mind that doing full diagnostics brings is more than worth the cost of the tests.

    Starting your cat or dog on treatment for these conditions vastly improves their quality of life and will give you more time with them. Medical treatment for thyroid conditions is lifelong, and we must stick to the treatment plan provided by the vet to ensure your pet remains healthy. Often, when we have had our cat or dog on medication for a month or two, they start to look better, and we stop their medication, only for them to get worse again. Try to give medications exactly as instructed and collect your pets’ chronic medications in time to prevent them from deteriorating. Giving a tablet daily might be a schlep, but if it improves your pet’s quality of life and extends their lifespan it is worth it!”

    Manage Thyroid Issues (and More) with Pet Insurance

    Thyroid problems can be tricky to manage, but with early detection, proper care and Pet Insurance from dotsure.co.za, you can help your furry friend lead a healthier, happier life.

    Get cover today! We take the bite out of vet bills, putting you and your pet’s well-being first!

    Are you looking for more vet advice? Check out our VET ADVICE ON PROPER NUTRITION FOR YOUR PET.

  • DOTSURE.CO.ZA AND AACL JOIN FORCES FOR ANIMALS IN NEED

    DOTSURE.CO.ZA AND AACL JOIN FORCES FOR ANIMALS IN NEED

     

    At dotsure.co.za, our purpose is simple: providing our world with Soft Landings. Whether it’s our people, policyholders or our communities, Soft Landings embodies the gentle care, understanding and good outcomes we strive to deliver daily. We’ve partnered with the Animal Anti-Cruelty League (AACL) to support their big-hearted welfare vets. These incredible professionals dedicate their lives to caring for animals in need and we’re proud to stand beside them in their mission!

    Supporting Big-hearted Vets Who Care for Our Pets

    Last year, we donated over R150 000 to the AACL!

    AACL welfare vets are the unsung heroes of the animal world. They pour their hearts and souls into their work, going above and beyond for pets and pet parents to provide veterinary care. Their job is not for the faint of heart.

    And, at dotsure.co.za, we know that being big-hearted isn’t always easy, which is why we’ve been striving to provide financial support to make their care possible. Last year, we donated R150 000 to support their vital work so that these big-hearted vets can continue making a difference in the lives of our pets!

    Did you know? When you buy a pet insurance policy online, you’re contributing directly to their efforts! Every policy purchased helps ensure these big-hearted vets have the resources they need to keep on saving lives.

    How You Can Help?

    You don’t need a stethoscope to make a difference. Here’s how you can join us to support AACL and their big-hearted vets:

    • Donate: Every rand helps to provide critical care to animals in need.
    • Adopt: Give a rescue pet the loving home they’ve been waiting for.
    • Share: Spread the word about the incredible work being done by the AACL.

    Watch the Big-hearted Vets in Action!

    Do you want to see the magic of Soft Landings in motion? Check out our latest TV ad about our big-hearted Vets and how we support them here.

    Together We Can Make a Difference

    We’re committed to doing good, thinking good and being good. With your help, we can provide even more Soft Landings to the pets and vets who need them most.

    Let’s continue to uplift the big-hearted vets of the AACL and create a world where every wagging tail and purr-fect paw gets the happy ending it deserves.

  • BACK TO PUPPY SCHOOL!

    BACK TO PUPPY SCHOOL!

    PREPARING YOUR DOG FOR DAYCARE

    Daycare isn’t just for humans. It’s a growing trend for pups who love to play, learn and socialise. Plus, it’s an excellent option for working pet parents who need to keep their dog entertained, happy and safe while checking off their to-do list!

    Why Daycare is a Great Option for Your Dog

    Daycare is the ultimate treat for energetic dogs and their busy parents. It’s a place where your pet can:

    • Burn off energy with structured playtime.
    • Make friends and develop strong social skills.
    • Reduce separation anxiety and boredom at home.

    It’s a win-win for you and your bestie!

    Steps For Daycare Success

    Step 1: Health First

    Before your dog’s big puppy school debut, ensure their vaccinations are up to date. Most daycare centres require proof of vaccinations to protect all their furry attendees. Don’t forget regular flea and tick treatments, too. Nobody wants unexpected guests hitching a ride home! ?

    Are you wondering, “Are vaccinations covered by my pet insurance”, We’ve got your back! Check out YOUR TOP QUESTIONS ANSWERED.

    Step 2: Pack Their Bags

    Just like kids heading to school, your dog needs a few essentials to settle in comfortably:

    • A labelled bag with their favourite toy or blanket for familiarity.
    • A container of their usual food to avoid upset tummies.
    • Any medication they might need during the day.

    Psst…! We have more packing tips up our paws! Check out PACK LIKE A PRO: YOUR DOG’S ULTIMATE HIKING BAG CHECKLIST!

    Step 3: Socialisation 101

    Daycare can be overwhelming for dogs who aren’t used to meeting other dogs. Ease them in by organising playdates with friendly fur babies beforehand. It’s great practice and builds their confidence!

    Step 4: Take a Test Run

    Visit the daycare together for a trial run. Let your pup explore, sniff around and meet the staff. Familiarity with the space can help reduce first-day nerves and ensure a smooth transition.

    Step 5: Brush Up on Basics

    A little training goes a long way! Learning familiar commands such as “sit,” “stay,” and “no” at home helps your pup to stay calm and be cooperative in a daycare setting.

    Get Them Covered by Pet Insurance

    Accidents can happen, even in the best daycare environments. Before sending your dog off to school, make sure they’re protected with SA’s best pet insurer*, dotsure.co.za!

    Fetch your cover today and give your dog the ultimate combo of care and security.

    PS: Don’t forget to tag us, @dotsurepetsa, with your dog’s first-day  snaps! We love a cute “first day of school” moment!

     

    *Voted South Africa’s Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press.

  • THE FASTEST AND MOST FURIOUS CARS OF 2025

    THE FASTEST AND MOST FURIOUS CARS OF 2025

     

    Car enthusiasts worldwide are gearing up for an electrifying year. While 2024 delivered some impressive rides, the next wave of speed demons promises to elevate the excitement further. From groundbreaking EVs to classic fuel-powered beasts, the line-up for 2025 caters to both modernists and traditionalists.

     

    Dodge Charger Daytona Scat Pack Sedan

    The iconic Dodge Charger evolves with a family-friendly twist, introducing a four-door version for 2025. Despite its practicality, the Daytona Scat Pack doesn’t skimp on muscle. Its dual-motor EV powertrain delivers a robust 670 hp, propelling this all-electric muscle car into uncharted territory. Dodge proves that you can blend power and responsibility. Though whether this qualifies as a “family car” is still up for debate.

     

    BMW M5 Touring

    The BMW M5 Touring promises to redefine what it means to be a family car for petrolheads. With a twin-turbo 4.4-litre V8 paired with EV tech, this powerhouse churns out an astounding 727 hp. Set to debut in early 2025, the Touring offers the practicality of a wagon with the thrill of a supercar, making it a dream for those juggling kids, pets, and a need for speed.

     

    Tesla Roadster

    After years of anticipation, the Tesla Roadster is finally set to hit showrooms in 2025. Boasting a staggering 1,000 hp, this EV is engineered for mind-blowing speed. Tesla claims it will sprint from 0-100 km/h in just 1.9 seconds, showcasing their relentless pursuit of automotive innovation.

     

    Chevrolet Corvette ZR1

    For those yearning for raw, fuel-powered adrenaline, the Chevrolet Corvette ZR1 is here to answer the call. Featuring a twin-turbocharged 5.5-litre V8, this beast cranks out 1,064 hp. Its carbon fibre aero package ensures optimal downforce, making the ZR1 not only a powerhouse, but also a track-ready weapon. As the most potent production Corvette to date, it’s a must-have for traditionalists.

     

    Why 2025 Is a Year to Watch

    From family-friendly wagons to high-performance EVs, the fastest cars of 2025 embody the automotive industry’s innovation and versatility. With manufacturers pushing the limits of performance and sustainability, the future of driving has never looked brighter.

  • KEEP IT COOL: DEALING WITH CAR OVERHEATING

    KEEP IT COOL: DEALING WITH CAR OVERHEATING

     

    Few things can disrupt a summer road trip like an overheated engine. Watching steam rise from under the hood isn’t just frustrating, it can also lead to serious and costly damage. Knowing why engines overheat, how to respond, and how to prevent it can save you from unexpected breakdowns.

     

    Why Do Engines Overheat?

    Engines typically overheat due to issues in the cooling system, which prevents heat from escaping the engine compartment.

    Common causes include:

    • Cooling system leaks.
    • Faulty water pump.
    • Radiator problems.
    • Low engine oil levels.
    • Thermostat failure.

    If left unaddressed, overheating can cause severe damage to the engine, gaskets, hoses, and seals.

     

    Signs Your Engine is Overheating

    Keep an eye out for:

    • Steam rising from the hood.
    • High temperature gauge readings (in the red or on “H”).
    • Unusual smells, such as sweet odours from leaking coolant or burning smells from oil.

    If you notice these signs, take immediate action.

     

    What to Do When Your Engine Overheats

    1. Turn Off the A/C and Crank Up the Heat:

    Reducing the load on the engine by turning off the air conditioning and running the heater can help pull heat away from the engine.

    1. Find a Safe Place to Pull Over:

    Stop the car and turn off the engine. Allow it to cool for at least 15 minutes before checking the temperature gauge.

    1. Restart the Engine (if Necessary):

    If it’s safe and your car isn’t being towed, restart the engine and drive cautiously to the nearest workshop. Monitor the temperature gauge to avoid further overheating.

    1. Call for Assistance:

    If you have a dotsure.co.za car insurance policy, you can contact our emergency roadside assistance.

     

    Preventing Engine Overheating

    Regular maintenance is crucial to avoid overheating. Be sure to follow these tips, with help from your car’s service centre:

    • Check coolant levels frequently and refill as needed.
    • Inspect hoses, belts, and the radiator for wear or damage.
    • Schedule regular coolant flushes as per the manufacturer’s recommendations.
    • Monitor engine oil levels and change oil regularly.
    • Keep an eye on the temperature gauge while driving.

     

    Taking proactive steps, like having the right extended car warranty in place, can save you costly repairs down the road!

  • HOW LONG DO CAR BATTERIES LAST?

    HOW LONG DO CAR BATTERIES LAST?

     

    Car batteries power more than just your engine, they support the electrical systems that make driving modern vehicles comfortable and safe. But how long can you expect a car battery to last, and what can you do to extend its lifespan? Let’s have a look at the factors affecting battery longevity, signs of failure, and maintenance tips to keep your battery in top condition.

     

    Car Battery Lifespan

    The lifespan of a car battery depends on its type, usage, and environmental factors. On average, car batteries last 3 to 5 years, but proactive maintenance can extend their lifespan. If your battery shows signs of trouble or reaches its third birthday, consider testing it at a trusted fitment centre. Specialists can help you decide if a replacement is necessary, and they’ll even recycle your old battery responsibly.

     

    Signs Your Car Battery May Be Failing

    A failing battery can leave you stranded if not addressed. Look out for these warning signs:

    • Slow engine cranking.
    • Flickering lights.
    • Frequent jump starts.
    • Electrical malfunctions.
    • Rotten egg odour under the hood.

    Proactively test your battery every six months, especially once it’s over three years old.

     

    Why Do Car Batteries Fail?

    Even with regular use, car batteries eventually wear out. Common reasons for failure include:

    • Neglecting Lights or Electronics: Forgetting to switch off headlights or accessories drains the battery.
    • Corrosion: Dirty terminals block the flow of power.
    • Temperature Extremes: Both heat and cold strain the battery.
    • Short Trips: Frequent short drives prevent the battery from fully charging.
    • Inactivity: Cars left unused for long periods can suffer battery drain.

     

    Tips to Extend Your Car Battery Life

    With proper care, you can prolong your battery’s life and avoid unexpected failures. Follow these tips:

    Regular Battery Checks

    Have your battery tested twice a year to catch potential issues early. Trusted specialists can also assess your alternator and starter.

    Keep the Battery Clean

    Dirt and corrosion reduce performance. Clean your battery terminals with a mixture of water and baking soda.

    Avoid Extreme Temperatures

    Protect your battery from harsh weather by parking in a garage or using a car cover.

    Drive Regularly and Smartly

    Frequent driving keeps the battery charged. Avoid overloading it by switching on accessories only after the engine has been running for some time.

    Use a Battery Maintainer

    For cars left unused for extended periods, a battery maintainer prevents it from discharging.

     

    Proactive Car Care

    Regular checks, cleaning, and mindful driving habits are your best defence against sudden battery failure.

    As for the rest of your car, you’ll need our comprehensive car insurance to protect your pocket against unexpected costs!

  • HOW TO: CHECK YOUR CAR’S WARRANTY

    HOW TO: CHECK YOUR CAR’S WARRANTY

     

    Wondering if your car is still covered by its warranty? This guide will walk you through the process of checking your warranty status, understanding its terms, and maximising its benefits.

     

    What is a Car Warranty?

    A car warranty is a promise from the manufacturer to repair or replace certain defects within a specific time or mileage limit. Common warranties cover 3 to 5 years or up to 100,000 km, whichever comes first. While comprehensive warranties usually exclude wear-and-tear items, accidental damage, and modifications that deviate from manufacturer specifications.

    Knowing what your warranty includes is essential to avoiding unexpected costs.

     

    Steps to Check if Your Car is Still Under Warranty

    1. Understand Your Warranty Terms

    Start by identifying the coverage period and mileage limit. For example, if your warranty is 5 years/100,000 km:

    • Check your car’s odometer for the mileage.
    • Verify the car’s model year to determine its age.

    1. Locate Your Vehicle Identification Number (VIN)

    Your VIN is a unique identifier for your vehicle, usually found on:

    • The driver’s side dashboard.
    • Inside the driver’s side door frame.
    • Your car’s registration or insurance documents.

    1. Contact Your Manufacturer’s Dealer

    Take your VIN to an authorised dealer. They can quickly confirm your warranty status by using their system.

     

    New vs. Used Cars: Warranty Considerations

    New Car Warranty

    When buying a new car, the warranty typically includes:

    • Repairs for manufacturing defects.
    • Coverage for a fixed period or mileage, as long as the vehicle is maintained per manufacturer guidelines.

    To maintain your warranty:

    • Service your car on schedule at authorised centres.
    • Use only Original Equipment Manufacturer (OEM) parts.

    Used Car Warranty

    Used cars may come with the balance of the manufacturer’s warranty, but it’s crucial to:

    • Verify the car’s service and maintenance history using the VIN.
    • Check for modifications or hidden damages that could void the warranty.

     

    Protect Your Car Today

    Is your warranty about to expire? Extend your coverage with an extended car warranty to safeguard against unexpected repair costs.

  • CLAIMS 101: UNDERSTANDING POLICY WORDING

    CLAIMS 101: UNDERSTANDING POLICY WORDING

     

    Insurance can feel overwhelming, especially when it comes to understanding the language used in your policy. Here, we demystify some common insurance terms related to insurance claims.

     

    Average

    The concept of average applies when a claim is made in situations of under-insurance (when your insured sum is less than the actual value of the insured property).

    Example:

    • Sum insured: R200,000
    • Value at risk: R300,000
    • Loss (repairs): R60,000

    The settlement would be:

    (R200,000/R300,000) × R60,000 = R40,000

    To avoid under-insurance and reduced payouts, ensure your assets are insured for their full replacement value.

     

    Agreed Value

    For certain high-value items like classic cars or rare artwork, you can opt for agreed value coverage. This means you and your insurer agree on a set value for the item at the policy’s inception. In case of a total loss, the insurer pays this agreed value.

     

    Excess (First Amount Payable)

    The excess is the portion of a claim you pay out of pocket before your insurer steps in. It can be a fixed amount or a percentage of the claim.

    Example:

    If your policy states an excess of 10% or a minimum of R1,000.

    • Claim of R100,000: Excess = R10,000
    • Claim of R5,000: Excess = Minimum R1,000

    A higher excess often results in lower premiums, but you’ll pay more in the event of a claim.

     

    Proximate Cause

    This term refers to the direct cause of a loss that has not been interrupted by other events. Insurers only cover claims for insured events directly causing the loss.

    Example:

    A shop insures its windows against all risks except fire. A fire nearby causes a mob to riot, breaking the windows. The proximate cause is the riot, not the fire, so the insurer will cover the damage.

     

    Reject vs. Repudiate

    • Reject: The insurer declines to pay a claim, or part of it, based on the terms of the client’s policy.
    • Repudiate: Similar to reject, but involves other reasons like misrepresentation or fraud.

    Always review the reasons provided if your claim is rejected or repudiated.

     

    Cash-Back and No-Claim Bonuses

    • Cash-back bonus: Some insurers reward policyholders with a cash payout for not claiming over a specific period.
    • No-claim bonus: A discount on your premium based on your claim history. Claiming can reduce this discount.

     

    Write-Offs

    A write-off occurs when an item, often a vehicle, is deemed beyond repair or uneconomical to fix. Vehicles are classified into codes depending on their condition:

    • Code 2: Repairable but uneconomical under the policy.
    • Code 4: Permanently demolished.

    If your vehicle is written off, the insurer will compensate you based on the insured value.

     

     

    Simplifying Insurance for You

    At dosture.co.za, we’re dedicated to making insurance simple and hassle-free, ensuring you get the coverage you need without any confusion.

     

  • WHICH CAR MODS WILL VOID A WARRANTY?

    WHICH CAR MODS WILL VOID A WARRANTY?

     

    Making modifications to your car can be an exciting way to enhance its performance or personalise its appearance. However, some mods could put your warranty at risk. A car warranty typically covers repairs or replacements for broken or failed parts. However, if a modification causes direct damage to your vehicle, the warranty for those affected components may no longer apply.

     

    Performance Mods That Could Void Your Warranty 

    • Performance Chips/ECU Tuning: Performance chips reprogramme your car’s engine control unit to enhance speed and power. However, altering factory settings could conflict with emission regulations and affect warranty coverage.
    • Performance Exhaust Systems: These systems help engines expel gases more efficiently, improving performance. However, they can disrupt factory settings and cause issues that could void your warranty.
    • Cold Air Intakes: Adding a cold air intake can improve engine power by increasing oxygen supply. While effective, they can lead to warranty complications if they cause engine issues.
    • Nitrous Oxide Systems: Popular in racing, nitrous oxide systems boost power but strain the engine, potentially voiding the warranty.
    • Turbochargers: Turbochargers compress air to increase performance but can cause extensive engine strain, making them a risky modification under a warranty.

     

    Visual Mods and Warranty Risks

    • Aftermarket Wheels: Changing rims is a common mod. However, mismatched sizes can damage the suspension.
    • Lowered or Lifted Suspension: Lowering improves aerodynamics, while lifting increases ground clearance. Both can strain suspension components and void warranties.
    • Body Kits: These include spoilers, splitters and sills for a sportier look. While they rarely impact on mechanical components, dealers or insurers might flag them if issues arise.
    • Aftermarket Lighting: Replacing standard lights with LED or HID kits can improve aesthetics, but may lead to electrical complications.

     

    What to Consider Before Modifying Your Car 

    • Consult an Expert: Always ask your dealer or insurer how specific mods could affect your warranty.
    • Extended Warranty Impacts: If you have an extended warranty, ensure your mods won’t void it.
    • Resale Value: Modifications can impact your car’s resale value positively or negatively, so choose carefully.

     

    The Safe Route

    While car modifications can be fun and functional, they come with risks. Manufacturer-approved upgrades are the safest option, while performance and visual mods require caution.

    Always check with your dealer or insurer before making any changes to ensure your warranty stays intact.

  • HOW INSURANCE CLAIMS WORK

    HOW INSURANCE CLAIMS WORK

     

    Insurance is a safety net offering financial relief when unexpected events occur. But when you need to file a claim, the process can seem daunting. At dotsure.co.za, we strive to simplify insurance!

     

    What is an Insurance Claim?

    An insurance claim is a formal request to your insurance provider for compensation or coverage under your policy after an incident. It’s the first step in accessing the benefits outlined in your insurance contract.

     

    How to Submit a Claim

    Effortlessly submit your claim online in seconds, and we’ll sort it out quickly and fairly.

    Here are a few things to keep in mind:

    • Notify Us Immediately
      Early notification helps to expedite the process.
    • Submit Supporting Documentation
      Ensure that you provide all requested documents, including photos, repair quotes, and incident reports.
    • Understand Excess Payments
      Each claim involves an excess – a predetermined amount you must pay. This is outlined in your policy schedule and will be deducted from the final payout.

    Related: How to Claim on Your Pet Insurance; How to Claim on Your Car Insurance.

     

    What Happens Next?

    Once the claim is submitted, we’ll assess the details and determine whether it meets the policy’s terms. One of our friendly consultants will be in contact, and we aim to process all claims within 5 working days.

     

    Customer Commitment

    At dotsure.co.za, we adhere to the principles of Treating Customers Fairly (TCF). This means that every interaction is designed to ensure transparency, fairness, and a hassle-free experience.

     

  • IS IT ILLEGAL TO DRIVE BAREFOOT?

    IS IT ILLEGAL TO DRIVE BAREFOOT?

     

    Regarding footwear and driving, many drivers question whether driving barefoot or in certain types of shoes, such as flip-flops or high heels, is illegal. While the short answer is “no,” it’s important to understand the risks associated with inappropriate footwear and how it can impact your safety on the road.

     

    What Does the Law Say? 

    In South Africa there is no specific law that prohibits driving barefoot, in flip-flops, or in high heels. However, the rules of the road stipulate that drivers must ensure that their clothing and footwear do not prevent them from operating the vehicle’s controls effectively. This puts the responsibility on drivers to make safe choices for maintaining control of their vehicles.

     

    The Impact of Footwear on Driving Safety 

    Your choice of footwear plays a significant role in how well you can control your vehicle. Here are some essential considerations:

    • Pedal Control: Proper footwear helps you judge the pressure needed to operate the accelerator, brake and clutch effectively. Incorrect footwear may cause accidental pressing of two pedals or jerky movements, which may lead to unsafe driving.
    • Reaction Time: In an emergency, you need to brake swiftly and with precision. Loose or inappropriate shoes can delay your reaction time.
    • Fatigue and Comfort: Driving long distances can put strain on your feet and ankles. Comfortable shoes reduce fatigue and enhance control.

     

    The Risks of Driving Barefoot 

    Flip-flops are often considered one of the riskiest footwear choices for driving:

    • Lack of Support: They provide no ankle support, leading to the foot slipping off or missing the pedal.
    • Distraction: Flip-flops can easily come off, distracting the driver.
    • Reduced Braking Efficiency: Thin soles and poor grip make effective braking difficult.

    If you find yourself driving in flip-flops, removing them and driving barefoot may be safer.

     

    Safer Driving

    Whether you’re headed to the beach in flip-flops or a formal event in high heels, your choice of footwear can significantly impact on your safety on the road. Always prioritise effective vehicle control over fashion or convenience.

  • READY, SET, GO! YOUR ROAD TRIP PREP CHECKLIST

    READY, SET, GO! YOUR ROAD TRIP PREP CHECKLIST

     

    How to Get Your Car Ready For the Long Road Ahead

    Embarking on a road trip is exciting, but ensuring your car meets the challenge is crucial. A little preparation can prevent costly repairs and unexpected breakdowns. Pair that with an extended car warranty plan, and you’re set for smooth and safe travels. Take a look at our essential road trip prep list!

    Pre-Road Trip Car Check

    A thorough inspection of your vehicle is essential before hitting the open road. Start by tending to the essentials:

    • Fluids Checks
      Your car’s health depends on a range of fluids. Check your engine oil, coolant, brake, power steering, and transmission fluids to guarantee a smooth ride.
    • Battery Examination
      Look out for warning signs such as a slow start, dashboard engine lights or a swollen or leaking battery. A failing battery can leave you stranded, meaning no more road trips!
      RELATED: Don’t Ignore These Dashboard Lights
    • Tyre Maintenance
      Inspect tread depth and tyre pressure before you hit the road. Proper tyres improve safety and fuel efficiency. And don’t forget the spare tyre too; it’s your safety net in an emergency.
    • Visibility Matters
      Crystal-clear visibility is non-negotiable. If your windshield wipers show any streaking, skipping, slipping or squeaking, replace them. Also, clean all windows and mirrors for better visibility, especially for night driving.
    • Lights and Indicators
      Inspect all lights, from high beams to indicators, to ensure they are in good working condition. Faulty lights aren’t just a hazard; they could land you a fine.
    • Consider Weight and Load Limits
      Overloading your car can impact on its safety, stability and fuel efficiency. Stick to your vehicle’s weight limits and pack smart.
    • Route Mapping
      Familiarise yourself with the route and have alternate plans in place. A navigation system such as a GPS can be invaluable in unfamiliar territory.
    • Emergency Supplies
      No matter how well you plan, surprises happen. Pack an emergency kit with essentials like:

      • Jumper cables
      • A flashlight
      • A first aid kit
      • Tools like a tyre iron and jack
      • Spare key
      • Plastic funnel and water bucket for fluid needs and emergencies.
      • Chain or towing rope.
      • Set of screwdrivers and wrenches.

    Long Road Trip Survival Kit

    For a smoother journey, don’t forget these essentials:

    • Water and snacks
    • Games and entertainment to keep your passengers happy
    • A spare battery pack and cables to keep your devices charged.

    The Final Preparation

    Even with the best preparation, mechanical issues or breakdowns can happen. So, along with our road trip prep checklist, hit the road with a warranty plan to help you avoid costly repairs and ensure your adventures are stress-free! Visit dotsure.co.za and get a free online quote for an extended motor warranty today!

  • ARE YOU COVERED IF SOMEONE ELSE DRIVES YOUR CAR?

    ARE YOU COVERED IF SOMEONE ELSE DRIVES YOUR CAR?

     

    We’ve all been there: you’re too tired to drive, have an unplanned drink at a holiday party, or simply need a favour. Handing over your car keys might be the safest option, but it comes with an important question: Does your car insurance cover you if someone else drives your car With car insurance from dotsure.co.za, you can customise your policy to suit your needs, ensuring peace of mind during the festive season or anytime you need someone else behind the wheel. Let’s explore your options.

    What Does dotsure.co.za Motor Insurance Cover?

    Under dotsure.co.za’s comprehensive car insurance, there are three main driver options you can choose from to tailor your cover to your driving habits. Plus, you can manage all of these driver options via our 24/7 Manage Portal, where you can easily turn this option on or off, based on your needs.

    RELATED: Driving Clarity: Get on Track With FAQs

    1. Open Driver Policy

    The most flexible option: anyone with a valid driver’s license and your permission can drive your car, and you’ll still be covered if something goes wrong. Whether it’s a family member, a friend or even a trusted colleague, you won’t have to worry about claims or repair costs.

    • Pros: Maximum convenience; anyone you trust can drive your car.
    • Cons: Highest premiums because of increased risk.

    2. Nominated Driver Policy

    Ah, the perfect middle ground. With this option, you can name a specific person (or a few) to drive your car. These individuals are listed on your policy schedule, ensuring they’re covered while keeping your premium lower than with an open driver policy.

    • Pros: More affordable than open driver cover.
    • Cons: Only nominated drivers are covered.

    Ideal for families, this policy works well if you have a spouse or frequent co-driver.

    3. Single Driver Policy

    This option ensures that only you are insured to drive your car. If affordability is your top priority and you’re the sole driver, this is the best choice.

    • Pros: Lowest premiums.
    • Cons: No cover if someone else drives your car.

    If you rarely or never let others drive your car, this option keeps your premium as low as possible.

    How to Check or Update Your Car Insurance Policy

    Not sure which driver option you have? It’s easy to check:

    1. Log into the 24/7 Manage Portal to view your policy, make changes or activate/deactivate driver options based on your holiday plans.
    2. Prefer the personal touch? Contact dotsure.co.za on 0861 368 7873 or email u2us@dotsure.co.za for assistance.

    With flexible car insurance from dotsure.co.za and easy management, you can focus on enjoying the journey without worrying about the “what-ifs.”

  • THE ULTIMATE GIFT GUIDE FOR CAR LOVERS

    THE ULTIMATE GIFT GUIDE FOR CAR LOVERS

     

    Is there a car enthusiast on your gift list this year? Buckle up! We’ve got the ultimate gift guide for car lovers that will have them revving and wheeling with excitement! ?

    A Car Lover’s Wishlist:

    1. Personalised License Plate Frames

    Hey, look! It’s “007”! Add a bit of personality to their ride with a customized license plate. You could include their name, favourite saying or even a cheeky pun.

    Here’s how to Personalise Your Motor Vehicle Number Plate.

    2. Tech Upgrades

    Who doesn’t love new gadgets for the car? You could get them a dash cam, phone mount or a Bluetooth adapter for that friend driving an older car who still has a CD player!

    3.Car Detailing Kits

    A car detailing kit is a dream come true for the car lover who treats their vehicle like royalty. Throw a microfiber cloth and a voucher for a valet in for good measure.

    Go check out takealot.com; they have a few interior and exterior detailing kits available!

    4. F1 Driver for The Day

    For the adrenaline junkie, get them out on the track and book a racing day. It’s a chance to let them channel their inner Stig without worrying about any car insurance claims. ?

    5. Stylish Accessories

    From steering wheel covers to boot organisers and travel mugs for those friends with long commutes, car accessories are a thoughtful and practical gift for your car-loving pals!

    Again, takealot.com is your go-to for most of these accessories!

    6.Subscription Boxes for Petrolheads

    Consider car magazines or an audiobook subscription for long drives; you can find a subscription service to match your car lover’s passion and gift them a 6-month or year subscription!

    7. Console Games

    Bring the racing track to them with epic PC, PlayStation or Xbox games such as GTA and this year’s F1 24. They can live life in the fast lane from the comfy safety of their homes.

    Are you looking for a holiday gift for your car, too? Get a quick quote with dotsure.co.za today and give your vehicle the care it deserves!

  • TOP FESTIVE SEASON INSURANCE CLAIMS – DON’T GET CAUGHT OFF-GUARD

    TOP FESTIVE SEASON INSURANCE CLAIMS – DON’T GET CAUGHT OFF-GUARD

     

    While the festive season is all about being merry and jolly, December is also a time when insurance claims tend to spike, thanks to the holiday chaos. From road accidents to car troubles, from household disasters to Mother Nature herself, here’s what to look out for to keep the festive spirit merry.

    Top Insurance Claims Over December

    Common Household Insurance Claims:

    • Power Surges: What happens when you pair load shedding and festive décor together? Things get heated, especially when the Christmas tree catches alight.
    • Water Damage: Burst geysers and leaking pipes due to extra water usage and old pipes can really dampen the holiday mood.
    • Theft: Empty homes and distracted neighbours? Sounds like the perfect time for burglars and thieves to take their chances.

    Common Car Insurance Claims

    • Accidents: This time of the year, the roads are packed with last-minute shoppers racing around, tired drivers from out of town, and everyone on holiday or on leave! Road accidents and collisions lurk around every corner.
    • Hijackings: It’s South Africa, Crime is always a concern, but it tends to spike during December because of all the distractions. Vehicle break-ins, theft and hijacking risks increase during this time.
      RELATED: Fact: Crime Increase Over December
    • Breakdowns: Old tyres, neglected services, and a planned road trip don’t always make the best memories. Being stranded on the side of the road isn’t the getaway anyone really plans for.

    Common Business Insurance Claims

    • Fire Damage: Thank overloaded circuits and festive lights for this one.
    • Theft: We know a busy store is all you want for Christmas, but they are also prime targets for shoplifters.
    • Defective Products: Nobody wants unhappy customers or clients, but the rush to meet demand can lead to costly product and service recalls and complaints.

    For prevention and tips, read our full Festive Season Survival Guide to help you to stay protected!

    Keep the Festive Spirit Alive with Protection

    Insurance may not be the most exciting part of your holiday checklist, but having the right cover ensures peace of mind when the unexpected happens. Whether you’re hitting the road or decking the halls, ensure your policy is ready for the season’s surprises.

    Visit dotsure.co.za today and keep your business, homes and vehicles protected over the December rush!

    Happy holidays, South Africa. Don’t let mishaps ruin your merry moments!

  • THE GIFT OF PROTECTION: WHY CAR INSURANCE IS ESSENTIAL FOR THE FESTIVE SEASON

    THE GIFT OF PROTECTION: WHY CAR INSURANCE IS ESSENTIAL FOR THE FESTIVE SEASON

     

    Reassess Your Insurance This Festive Season

    There’s nothing like Dezemba in South Africa! The sun is shining, friends and family are coming together, and the air is alive with all the vibes of a true Mzansi Summer! With all the festivities, the last thing you want to worry about is your car insurance premiums or your budget!

    The holidays are the perfect time to review your cover with us. Are you not driving your car on weekends? Maybe you’re jetting off somewhere, so you won’t be using it at all.

    With dotsure.co.za’s Name Your Price™,  we allow you to adjust your motor insurance policy, ensuring it works for you this festive season.

    It’s also a great time to review your car maintenance. Check out our 5 Car Maintenance Tips You Should Know.

    Customise Your Car Insurance Cover for the Holidays

    Name Your Price™ is the Build-A-Bear of insurance. You can customise your cover to fit your needs and your pocket. Because over the festive season, we know saving money is probably the best gift you could give yourself.

    How to save on car insurance this festive season:

    Weekend Driving: Staying in for movie marathons or family braais? Switch off weekend driving and fill those Christmas stockings with the savings you just scored!

    Night-Time Driving: Are you using this holiday to relax and have no desire to make any plans past 21:00? Then, turn off the night-time driving cover and lower your premium.

    Frequent Driver: Are you taking a holiday break from your usual daily commute? Simple: pay less if you’re driving less. Plus, you’ll have some extra change for those island cocktails you’ve been dreaming about.

    Hail Cover: If your holiday spot is sunny and hail-free, turn it off and save!

    Windscreen Cover: Are you planning to drive on smooth highways instead of bumpy gravel roads? Turn off this cover and get an extra gift with your discount.

    Driver Options: If you’re the only driver for the summer, switch to the single-driver option to reduce costs.

    RELATED: Are You Covered if Someone Else Drives Your Car?

    Get Festive Ready

    We’re all about giving you control over your car insurance without worrying about how much you’re spending. Not just over the holidays but all year round! If saving money is your thing, and it should be, go to your 24/7 online Manage Portal and tailor your cover now!

    PS: Speaking of the festive season, we have some fantastic gift ideas for car lovers! If you need some gift inspiration, read our latest blog here:  The Ultimate Gift Guide For Car Lovers This Festive Season

  • THE ULTIMATE FESTIVE SEASON SURVIVAL GUIDE

    THE ULTIMATE FESTIVE SEASON SURVIVAL GUIDE

    Festive season, holiday season, Dezemba, aka: Silly Season! We know that the South African holidays can come with their share of risk and chaos! From unpredictable storms to opportunistic crime, here’s our festive season survival guide to being prepared so you can enjoy those cocktails instead of relying on them. ?

    Here’s how to protect what matters most:

    1. Lock down your home

    If you’re travelling, don’t leave your home vulnerable.

    • Test your alarm, lock valuables away and ask a trusted friend or neighbour to check in. Your plants and your pocket will thank you later!
    • Use timer switches on your lights or smart cameras to create the illusion of someone’s home; you’re less likely to be targeted if your house doesn’t look “empty”.
    • Update or review your building and contents insurance; burglary claims often spike at this time of the year.
    • And remember, resist the urge to post your travel plans on social media. Letting the world know you’re not home for a few weeks is like handing over your keys and asking for trouble.

    2. Ready your car for road trips

    Wherever you’re headed, if you’re hitting the road, your car needs attention.

    • Schedule a service and check essentials such as tyre pressure, fluids and brakes.
    • Make sure your insurance includes emergency roadside assistance. You’ll thank yourself later.

    Our car insurance cover has your back if you’re stranded. Read more about that here: After-hours Emergencies on The Road.

    We also have a complete road trip checklist just for you!

    3. Secure your valuables

    Portable possessions such as phones, jewellery and holiday purchases are easy targets for thieves.

    • Don’t leave valuables such as handbags or shopping bags in your car, if you do, keep them out of sight!
    • Update your insurance to cover new items and gifts. You can manage your policies with us from the 24/7 Online Manage Portal.

    4. Prepare for storms and power cuts

    A South African summer means thunderstorms and power cuts for some parts of the country. For the entire country, load-shedding is always a risk!

    • Clear gutters, trim trees and check your roof for leaks.
    • Protect your electronics with surge protectors and find out if your policy covers things such as spoilage if your freezer fails. RIP to all the lost gammons out there!

    5. Stay safe when staying home

    Even if you’re not travelling, always keep safety in mind!

    • Set your alarm, lock gates and park your cars securely.
    • Be cautious with open flames and overloaded plugs. Candles are great for ambience, but not if they are near flammable festive decorations.

    Enjoy worry-free festivities with insurance

    The holidays are for celebrating, not stressing. With dotsure.co.za, you’re covered for life’s unexpected twists. Get a quote or review your policy today at dotsure.co.za.

  • HOW WE PROTECT YOU AFTER A CAR ACCIDENT

    HOW WE PROTECT YOU AFTER A CAR ACCIDENT

     

    From Car Hire to Repairs – How Your Insurance Steps In When You Need It Most

    Dealing with a car accident or breakdown can be stressful, but having the right insurance partner makes all the difference. Whether it’s a minor fender-bender or a more serious incident, understanding the car insurance claim process ensures you get back on the road quickly, minus all the added stress.

    What To Do After an Accident or Breakdown

    Before you can think of insurance, there are a few things you should do:

    1. Safety First!
      Move your car to a safe spot and turn on your hazards if possible. If you were in an accident, check yourself and others for injuries and then call for help.
    2. Call For Help
      Call for medical help if needed and alert the police. Once help is on the way, report the incident to your insurance provider.
    1. Document the Scene

    For breakdowns: Take note of any strange sounds or warning lights before calling for help.

    For accidents: Take clear photos of the scene and any damage. Exchange contact and insurance details with the other driver and if there were any witnesses, get their details, too.

    1. Submit Your Claim
      With our 24/7 online Manage Portal, filing your claims and tracking their progress has never been easier.

    RELATED: How to Claim on Your Car Insurance

    How Can dotsure.co.za Assist You

    It’s most likely that you will call your insurance provider during tough times, not when things are going smoothly, right? That’s why we believe insurance isn’t just about covering the costs. We aim to be there for you when you need us most.

    1. Emergency Assistance

    Give us a call, and we’ll help you right there and then with:

    • Medical Assistance: Immediate response and transportation to the nearest medical facility.
    • Towing Services: We’ll tow your car to the nearest approved panel beater or workshop, whether it’s a breakdown or an accident.
    • Transport Assistance: We’ll arrange transport to a safe location or home for you and any of your passengers.
    • Second Tow: Moved to the wrong repair shop? We’ll get your car to one of our approved panel beaters.

    2. Car Hire Assistance

    Stay mobile while your car is in the shop! We’ll contribute up to R1,000 towards car hire to keep your life moving.

    3. Car Repairs

    We have a range of trusted workshops and dealers ready to repair your car and get it on the road again!

    Avoiding Claim Rejections

    To avoid delays or rejections and keep things easy-peasy lemon squeezy, always:

    • Report incidents promptly.
    • Provide accurate and detailed information.
    • Stay up to date with your premium payments.

    We’ve Got You Covered

    With dotsure.co.za car insurance, we’ve got your back from the moment an incident happens to when your car’s ready to drive again. Plus, we’ll ensure your motor insurance claims process is simple, stress-free and lightning-fast!

  • EXTENDED CAR WARRANTY VS SERVICE PLAN

    EXTENDED CAR WARRANTY VS SERVICE PLAN

    What’s the Difference Between a Car Warranty and a Service Plan?

    Do you remember those “spot the difference” puzzles from school, where you’d squint at two pictures to find the tiny differences? Well, the adult version of that is probably trying to find the difference between a motor warranty and a service plan. Aren’t they more or less the same? And if not, do you really need both? Unlike your former teachers, we won’t make you try to puzzle this out. Instead, we’re just giving you the answers below!

    What Is a Manufacturer’s Warranty?

    A manufacturer’s warranty is your car’s promise of good health straight from the showroom. It’s a guarantee that if your vehicle or its components experience unexpected breakdowns within a set period (usually measured over a few years or a specific number of kilometres), the manufacturer will repair it or cover the costs.

    However, once the warranty expires, you’ll be responsible for repair bills unless you opt for an extended warranty, which takes over when the original warranty runs out. Extended warranties are especially popular because they offer peace of mind, protecting you from steep repair or replacement costs.

    If you’re in South Africa and looking for an affordable extended warranty, the choice is clear: A tailored plan from dotsure.co.za can protect you and your car parts!

    What Is a Service Plan?

    A service plan steps in where warranties leave off, covering parts and maintenance associated with normal wear and tear. Unlike warranties that focus on mechanical failures, service plans handle things such as:

    • Oil changes
    • Spark plugs
    • Tyre rotations
    • Filters
    • Fluid replacements

    These are the everyday heroes of your car’s upkeep. A service plan ensures that these essentials are taken care of without you needing to dig into your wallet each time.

    Do You Need a Motor Warranty and a Service Plan?

    A car warranty insurance plan helps mitigate the costs of major unexpected mechanical failures, while a service plan handles routine upkeep, keeping your car running smoothly.

    Think of it this way: Would you rather face a massive repair bill on your own, or have the confidence that someone is there to help lighten the financial load? Combining these plans is a smart move for anyone seeking the best cover to protect their ride and their wallet.

    Luckily, warranties and service plans are easy to get and highly customisable when you’re a part of the dotsure.co.za family. Our robust  Motor Warranty plans cover mechanical repairs and replacements – without the hassle. Get a free online quote in minutes.

  • KEEP YOUR BUSINESS SAFE THIS FESTIVE SEASON

    KEEP YOUR BUSINESS SAFE THIS FESTIVE SEASON

     

    The festive season has arrived, which means businesses can experience heightened risks. Whether you’re closing shop for the holidays or leaving your premises unattended, it’s essential to safeguard your business from potential threats. Our business insurance offers tailored cover options to ensure your peace of mind during this period. Here’s how you can protect your business during the festive season.

     

    Essential Cover Options

    Fire Insurance

    Fire incidents can strike unexpectedly, and the festive season is no exception. Fire insurance provides cover for damage caused by fire, lightning, storms, explosions, and other specified events.

    What’s Covered:

    • Commercial buildings and assets.
    • Rent or rental value.
    • Plant, machinery and other contents.
    • Stock and materials in trade.

     

    Office Contents Insurance

    Your office contains valuable assets, from equipment to documents. Office contents insurance offers comprehensive cover for damages caused by unforeseen events.

    What’s Covered:

    • Movable assets on your premises.
    • Damage due to pipe bursts.
    • Impact from falling trees.
    • Accidental breakage of glass fixtures.
    • Theft involving forcible entry.

     

    Theft Insurance

    A business premises is a prime target for theft during the holiday season. Theft insurance provides cover for loss or damage caused during break-ins involving forcible and violent entry.

    What’s Covered:

    • Loss of fixtures and fittings.
    • Replacement of locks and keys.
    • Property belonging to the staff.
    • Security guard expenses.

     

    Considerations for Effective Protection

    While business insurance provides financial cover, taking proactive measures is equally important. Ensure that your property complies with the following special provisions.

    • Security Systems: Install burglar bars, security gates, and a linked alarm system to deter intruders.
    • Lightning/Surge Protection: Equip your property with lightning and surge protectors to prevent electrical damage.

     

    Secure Your Business

    Protect your premises, assets, and peace of mind this festive season. Contact us today to discuss your business insurance requirements and stay prepared for the unexpected.

  • EXPLAINED: TYPES OF BUSINESS INSURANCE

    EXPLAINED: TYPES OF BUSINESS INSURANCE

     

    Every business is unique, and so are its insurance needs. Whether you’re running a small start-up or a larger enterprise, finding the right insurance can protect your operations, assets, and employees from the unexpected. At dotsure.co.za, we offer bespoke business insurance solutions that can be tailored to your specific industry, size, and risk profile.

     

    Core Business Insurance Options 

    • Buildings, Office Contents, and Stock: Protect your premises, assets, and inventory from damage, theft, or loss.
    • Business Interruption: When an unexpected event disrupts operations, this cover helps you recover lost income.
    • Business Vehicle: Covers loss or damage to company-owned vehicles.
    • Goods in Transit: Protects products being transported from loss or damage.
    • Employer’s Liability: Provides cover for claims made by employees for work-related injuries or illnesses.
    • Broadform Liability: Comprehensive protection for a wide range of liabilities.
    • Commercial Crime Insurance: Safeguards against fraudulent or dishonest acts by employees or third parties.
    • Business All Risks Insurance: Provides cover for movable assets both inside and outside your business premises.

     

    Specialised Insurance Solutions 

    Our cover options go beyond general business insurance by offering pre-packaged solutions designed for specific industries and risks.

    • DotBiz: Ideal for SMMEs, this straightforward solution covers all the essentials.
    • Hospitality Cover: Comprehensive protection for guesthouses, restaurants, and game lodges.
    • Church Cover: Trusted insurance for places of worship.
    • Contractors All Risk: Tailored for construction, supply, and installation projects.
    • Motor Trader Cover: Designed for businesses that buy, sell, or repair vehicles.
    • Plant All Risk: Customised cover for construction equipment, whether owned or hired.
    • VetSure: Specialised insurance for veterinary practices, addressing unique risks in the industry.

     

    Hand Over the Risks

    At dotsure.co.za, we believe in building solutions regarding your business, not the other way around. With up to 20 bespoke sections and numerous additional, industry-specific cover, we collaborate closely with you to craft an air-tight policy that meets your needs.

  • FACT: CRIME INCREASES OVER DECEMBER

    FACT: CRIME INCREASES OVER DECEMBER

    Can you believe that the holidays have arrived? With tying up loose ends at work, planning your holiday activities and wrapping up school exams, you probably don’t want to ruin the mood by thinking about insurance risks. But may we remind you that December is the time of year when crime rates spike across South Africa.  Whether they are home break-ins, car theft or cyber scams, criminals take advantage of the holiday distractions.

    Psst! Curious about which insurance risks are most common in South Africa over the December period? Check out the Top Festive Season Insurance Claims!

    Why Crime Surges During the Festive Season

    Empty Homes: Holiday getaways leave homes vulnerable to burglaries.

    Busy Shoppers: Crowded shopping centres and distracted buyers make pickpocketing and vehicle break-ins more common.

    Increased Transactions: Cash withdrawals and valuable purchases make people targets for cybertheft.

    Holiday Chaos: The festive rush often leads to lapses in security.

    Top Tips to Stay Safe

    Secure Your Home: Invest in alarm systems, motion-sensor lights and timers to deter burglars. Always inform trusted neighbours if you’re travelling so they can keep an eye out.

    Car Safety: Always park in secure areas and avoid leaving valuables in plain sight. Consider a steering lock or tracking device for extra protection.

    Stay Vigilant Online: Scammers thrive during December. Avoid clicking on suspicious links or sharing sensitive information.

    Comprehensive Insurance: From theft to damage, having the right insurance gives you peace of mind when the unexpected happens.

    Check it out: The Ultimate Festive Season Survival Guide

    How Can We Help?

    Whether you need business, household or car insurance, dotsure.co.za has you covered. Our policies offer expert protection, ensuring your festive season stays stress-free. Don’t allow criminals to dampen your holiday cheer. Stay safe, stay smart and let us take care of the risks!

  • SANTA’S LIST FOR PETS AND PET PARENTS

    SANTA’S LIST FOR PETS AND PET PARENTS

     

    The holidays are meant for the whole family and finding the perfect gift can make the season even more magical. To help you ace the festive shopping, we’ve compiled a list of thoughtful gift ideas for both pets and their beloved parents.

     

    Gifts for Pet Parents

    Pampering a pet parent is as rewarding as spoiling their furry friend. Here are a few gift ideas to bring joy to the human members of your furry family.

    • Personalised Keepsakes: Custom pet portraits or engraved ornaments are heartfelt gifts that celebrate the special bond between pets and their parents.
    • Pet-Themed Accessories: From stylish tote bags to cute coffee mugs featuring their pet’s face, these gifts offer personality and charm.
    • Subscription Boxes: Surprise them with a subscription box packed with treats and toys for their pet and goodies for themselves.
    • Cosy Comfort: A warm blanket embroidered with their pet’s name, or an adorable pet parent hoodie, is a perfect blend of functionality and sentimentality.

     

    Gifts for Dogs

    Your dog deserves a place on Santa’s “Nice List”! Here are some gift ideas to keep their tails wagging.

    • Interactive Toys: Stimulate your pup’s mind with puzzle toys or treat-dispensing gadgets.
    • Durable Chew Toys: Perfect for teething or playful pups. Look for long-lasting options to keep them entertained for hours.
    • Stylish Accessories: Gift your pooch a festive bandana, bowtie, or even a winter coat for those chilly walks.
    • Comfy Beds: After all the holiday excitement, a plush, cozy bed makes the ultimate snooze zone.
    • Home Obstacle Course: Build an at-home obstacle course to keep your dog active and entertained during the holidays.

     

    Gifts for Cats

    Cats love to explore, scratch, and lounge. Spoil your feline with gifts that cater to their curious nature.

    • Scratching Toys: Protect your furniture by providing your cat with a sturdy scratching post or toy.
    • Interactive Playthings: Feather wands, laser pointers, and puzzle feeders will keep your cat happily engaged.
    • Window Hammocks or Cat Trees: These elevate your cat’s napping game and provide perfect bird-watching spots.
    • Boxes: Sometimes, the simplest gifts are the most fun. Cats love boxes for hiding, lounging, and playing – no extra wrapping required!

     

    Gifts for Small Mammals

    Even the tiniest family members deserve some holiday cheer!

    • Stimulating Habitats: Upgrade their living space with tunnels, hideouts, and multi-level cages.
    • Safe Chew Toys: Keep their teeth healthy and boredom at bay with chewable treats and toys.
    • Nutritious Snacks: Festive treats can make your small pets’ holiday extra special.

     

    Our Gift to You

    Feel free to download these cute and festive illustrations, for social posts or wallpapers!

     

    The Gift of Peace of Mind

    Want a gift that lasts beyond the holidays? Consider pet insurance! Protecting your pet’s health and well-being is a meaningful way to show how much you care.

     

  • TOP 5 RAREST DOG BREEDS IN SOUTH AFRICA

    TOP 5 RAREST DOG BREEDS IN SOUTH AFRICA

     

    South Africa is home to a rich variety of dog breeds, from beloved family favourites to fascinating rarities. While popular breeds often dominate local homes, some dog enthusiasts seek unique and rare companions that stand out from the crowd. These lesser-known breeds have remarkable qualities, histories, and characteristics that make them truly special.

     

    Cesky Terrier

    Origin: Czech Republic

    The Cesky Terrier is a compact yet muscular hunting dog that stands out for its silky grey coat and elegant, wavy facial hair. While they maintain the determination and prey drive typical of terriers, Cesky Terriers are more mellow, making them excellent family pets. Protective, yet not overly vocal, they are fantastic watchdogs and loyal companions.

     

    cesky terrier

     

    Finnish Spitz

    Origin: Finland

    The Finnish Spitz is a lively breed famous for its foxy appearance, glowing golden-red coat, and melodic vocalisations. Their distinct yodel-like sounds make them a delight for fans of vocal dogs. These small but fearless hunters are intelligent and sensitive, which makes them loyal pets for those who appreciate their unique quirks.

     

    finnish spitz

     

    Basenji

    Origin: Africa

    The Basenji is one of the most unique breeds in the world. Compact and graceful, Basenjis are easily recognised by their tightly curled tails, wrinkled foreheads, and expressive almond-shaped eyes. Ideal for experienced pet owners, the Basenji thrives with proper training and mental stimulation.

     

    basenji

     

    Azawakh

    Origin: West Africa

    The Azawakh is a breathtakingly elegant sighthound known for its lean, S-shaped body and ultrafine coat. This ancient breed has been a trusted hunter and guardian for centuries, excelling in speed and agility. Their graceful appearance belies their toughness. Azawakhs are durable and resilient. They are perfectly suited for the harsh deserts of their homeland.

     

    azawakh

     

    Xoloitzcuintli (Mexican Hairless)

    Origin: Mexico

    With a history spanning over 5 000 years, the Xoloitzcuintli (or “Xolo”) is an ancient breed revered by the Aztecs as a sacred dog of the gods. Available in three sizes – toy, miniature, and standard; this breed comes in both hairless and coated varieties. Xolos are loyal, calm, and watchful, making them excellent companions.

     

    Xoloitzcuintli (Mexican Hairless)

     

    Why Are These Breeds Rare?

    Several factors contribute to the rarity of these breeds in South Africa.

    • Geographic origins: Some breeds hail from distant regions with limited international export.
    • Specialised traits: Many breeds were originally bred for niche roles, such as hunting or guarding, that may no longer be in high demand.
    • Public perception: Certain breeds may be considered unsuitable as family pets or challenging to train.

     

    Are Rare Breeds Right for You?

    Choosing a rare breed requires careful consideration. Their unique needs, exercise requirements, and temperament might differ significantly from more common breeds. However, for those willing to invest time and effort to develop a bond with one of these exceptional dogs is a rewarding experience.

  • 5 HOLIDAY TREAT RECIPES FOR PETS

    5 HOLIDAY TREAT RECIPES FOR PETS

     

    The holiday season is all about love, laughter, and food! But why should humans have all the fun? This year, bring your pets into the festivities by whipping up some homemade holiday treats. We’ve got recipes tailored for dogs, cats, reptiles, small mammals, and even birds to make your celebrations extra special.

     

    Dog Delights: Berry Bones

    These frosty treats are a sweet, healthy snack for your dog!

    Ingredients:

    • Greek yoghurt
    • Diced strawberries
    • Blueberries

    Method:

    1. Scatter diced strawberries and whole blueberries into a freezer-safe mould (holiday-themed shapes like stars also work great!).
    2. Spoon Greek yoghurt over the fruit and smooth with the back of a spoon.
    3. Tap the mould gently on a hard surface to remove air bubbles.
    4. Freeze overnight.

     

    Cat Creations: Turkey Balls

    These savoury turkey balls are packed with flavours your feline friend will adore.

    Ingredients:

    • 1 cup ground turkey
    • ½ cup grated carrots
    • ¼ cup Parmesan cheese
    • ½ cup finely crushed crackers
    • ¼ cup powdered milk
    • 1 egg
    • 1 tbsp brewer’s yeast
    • ½ tsp salt

    Method:

    1. Preheat oven to 160°C.
    2. Mix all ingredients in a bowl using your hands.
    3. Shape into golf ball-sized nuggets and place on a non-stick baking tray.
    4. Bake for 20 minutes or until golden brown and fully cooked.
    5. Cool completely before serving.
    6. Freeze leftovers and reheat as needed.

     

    Reptile Refreshment: Pumpkin Pie

    Perfect for iguanas, bearded dragons, and more, this reptile-friendly pie is both nutritious and festive.

    Ingredients:

    • Natural reptile pellets
    • Pumpkin or butternut squash purée
    • Cranberries
    • Reptile multivitamin powder

    Method:

    1. Moisten and mash pellets into a crust-like base on a paper plate.
    2. Spread squash purée evenly over the crust.
    3. Garnish with cranberries and vitamin powder.
    4. Serve fresh.

     

    Small Mammal Munchies: Apple & Cinnamon Treats

    These bite-sized treats are ideal for hamsters, guinea pigs, and other small rodents.

    Ingredients:

    • 1 cup organic oatmeal
    • 1½ cups organic wholewheat flour
    • 1 apple, finely chopped
    • ¼ cup raw honey
    • 2 tbsp chopped walnuts
    • ½ tsp cinnamon (Ceylon)
    • ½ cup water

    Method:

    1. Preheat oven to 180°C.
    2. Combine oatmeal, apple, honey, walnuts, cinnamon, and water in a bowl.
    3. Gradually mix in flour until a firm dough forms.
    4. Roll small dough balls and flatten them with a fork on a lined baking tray.
    5. Bake for 15-20 minutes, ensuring they don’t burn.
    6. Cool completely before serving.

     

    Bird Bonanza: Sweet Potato Cookies

    These nutrient-packed cookies will be a hit with your feathered friends.

    Ingredients:

    • 3 cooked sweet potatoes
    • 1 cup all-purpose flour
    • ¼ tsp cinnamon (Ceylon)
    • ¼ tsp vanilla

    Method:

    1. Preheat oven to 180°C.
    2. Mash cooked sweet potatoes in a bowl.
    3. Mix in flour, cinnamon, and vanilla until well combined.
    4. Scoop spoonfuls of the mixture onto a lightly greased cookie sheet.
    5. Bake for 30 minutes or until the edges are golden brown.
    6. Cool completely before serving.

     

    Tips for Festive Pet Treats

    • Portion Control: Keep treats small to avoid overfeeding.
    • Storage: Many of these treats can be frozen for long-term enjoyment.
    • Safety First: Always check recipes for ingredients that may be harmful to pets, like chocolate, onions, or artificial sweeteners.

     

    Celebrate this holiday season by including your pets in the feasting fun!

  • GUIDE TO PET-FRIENDLY BEACH TRIPS

    GUIDE TO PET-FRIENDLY BEACH TRIPS

     

    There’s nothing quite like a day at the beach with your furry best friend! South Africa boasts an array of stunning coastlines, many of which welcome our four-legged companions. But before you and your pup hit the waves, proper planning is essential to ensure your adventure is fun-filled, safe, and stress-free.

     

    Scout for Dog-Friendly Beaches

    Not all beaches allow dogs. So, be sure to do your research beforehand. Many South African beaches (some even within SANParks) are dog-friendly, but regulations vary. Some beaches may have specific hours, leash requirements, or seasonal rules for dog access. Check online or call ahead to confirm the guidelines at your chosen spot.

     

    Pack Your Pup’s Essentials

    Your dog needs their beach bag, too! Don’t forget:

    • Fresh water and a portable bowl.
    • Doggy sunscreen to protect sensitive noses and light-coloured fur.
    • Poop bags to clean up after your pet.
    • A towel for drying off.
    • Shade items such as a beach tent or umbrella.

     

    Safety First

    Always Supervise:

    Not all dogs are born swimmers, and the ocean can be unpredictable. Keep an eye on your dog near the water, especially if they’re new to swimming. For extra peace of mind, consider a doggy life vest. And if your pup isn’t keen on swimming, keep them entertained on the sand with toys and games.

    Watch the Heat:

    Hot sand and direct sunlight can be tough on your dog. Plan your beach trip during cooler parts of the day, such as early morning or late afternoon. Bring a blanket or mat for your pup to rest on and provide plenty of clean water and breaks in the shade to avoid overheating.

     

    Etiquette Matters

    Socialising:

    If your dog is sociable, the beach is a fantastic opportunity for them to make new furry friends. Always ensure your dog’s interactions are friendly and supervised. Ask fellow pet parents for permission before introducing your pup to theirs to maintain a positive experience for everyone.

    Respect the Beach:

    Nobody likes a messy beach. Always clean up after your dog and dispose of waste in designated bins. This keeps the environment clean for other beachgoers and helps preserve the beauty of South Africa’s coastlines.

     

    Rinse and Rehydrate 

    After a day of sandy fun, rinse off your dog to remove saltwater and sand, which can irritate their skin and coat. Offer them plenty of fresh water before heading home to keep them hydrated after all the activity.

     

    Making Memories

    With a little preparation and attention to safety, a beach day with your dog can be an unforgettable experience. Before those furry paws hit the sand, remember to protect them with pet insurance!

  • VET ADVICE: FESTIVE SEASON SAFETY

    VET ADVICE: FESTIVE SEASON SAFETY

     

    Meet Dr Marcus C. Lessing, here to answer our questions about keeping pets safe during the festive season!

     

    Which Holiday Foods Are Toxic or Harmful to Pets?

    “During the festive period and holiday celebrations, we indulge in quite a few foods that pose a risk if ingested by our pets. Some common examples include chocolate (dark chocolate posing the biggest risk), grapes (including raisins), xylitol (mostly found in sugar-free gum, some baked goods and candy), onions, garlic, left-over bones, as well as high fat foods such as roast lamb. Some nuts (including macadamias), and avocados could also be toxic. Alcoholic drinks and coffee could also be harmful to our furry friends if ingested.”

     

    Which Decorations Can Pose a Danger to Pets?

    “Any decorations made of plastic, decorations with strings or glitter, or any electrical items could potentially be harmful to pets. Any decorations or ornaments made from glass could pose a risk if broken. Candles could also be a risk if pets can access them in any way.”

     

    Any Advice for Pet Parents Travelling with Their Pets?

    “It’s always a good idea to have your pets checked by a veterinarian prior to any planned trips, to ensure that they are healthy and that vaccinations are up to date. Proper transport crates are essential, especially when travelling with cats. Depending on the distance travelled, one should try and stop frequently, allowing for bathroom breaks, stretching legs, as well as refreshments. When travelling with very nervous or anxious pets, calming medications prescribed by a registered veterinarian could make the trip run a lot smoother. Pet insurance is also an important consideration, to ensure that necessary care can be provided in case of emergencies.”

     

    How Can Pet Parents Help Pets Adjust to a Busy Home During the Holidays?

    “Pets can sometimes struggle with a lot of activity and new people in their territory. It is a good idea to have some areas where they can hide or relax away from the noise. Calming medications, again, can assist with stress related to the change in environment. A registered veterinarian should be consulted in this regard.”

     

    What Should Pet Parents Do in Case of Emergency When Vet Offices Are Closed?

    “There are quite a few veterinary clinics who operate on a 24-hour basis and are equipped to deal with emergencies. It is best to familiarise yourself with any such clinics at your holiday destination. It’s always a good idea to have some type of first aid kit for your pets when travelling. Speak to your local veterinarian, as they should be able to assist with acquiring the most important basics to deal with emergencies. It is, however, imperative to seek veterinary advice in any emergency situation.”

     

    Learn More About Our Vet of the Month!

    Dr Marcus graduated from the University of Pretoria in 2008 and has been a small animal veterinarian at Boskruin Vet Clinic since 2009. He mostly treats domestic pets and the occasional exotic animal, but he has a particular interest in feline medicine.

     

    When did you decide to become a vet?

    “Ever since I can remember I’ve had a fondness for animals. At school I realised that I had an interest and passion for the well-being of animals and decided to pursue a career in veterinary medicine.”

     

    Do you have any pets? If yes, tell us about them!

    “I have 3 cats. Benji is my old boy, a 15-year-old tabby, rescued when I first started working. Luke is a 14-year-old red bi-colour Munchkin, and then I have 4-year-old British Shorthair called Goose.”

     

    Any last thoughts on the topic?

    “The holiday season is a busy time of the year filled with lots of joy and good food. Pets form an integral part of our families and thus should always be considered during this time. It’s always a good idea to consult your local trusted veterinarian for any questions or queries relating to your pets.”

     

  • PET DIABETES 101: EVERYTHING YOU NEED TO KNOW

    PET DIABETES 101: EVERYTHING YOU NEED TO KNOW

     

    Just like humans, pets can develop diabetes too. It’s a growing concern for cats and dogs, especially as they age. With the proper knowledge and management tools, you can help your furry friend live a long, happy life despite the diagnosis. Here’s everything you need to know about spotting the signs, managing the condition and how dotsure.co.za can support you along the way.

     

    Spotting the Signs and Symptoms of Pet Diabetes

    Detecting diabetes early is critical to giving your pet the best care. Keep an eye out for these common signs of diabetes mellitus in dogs and cats:

    • Increased thirst
    • Frequent urination
    • Weight loss despite a healthy appetite
    • Lethargy or reduced activity
    • Changes in mood
    • Cloudy eyes (cataracts) in dogs or weak back legs in cats

    If you notice any of these symptoms, contact your vet. MSD Animal Health, a trusted name in pet care, offers resources to help you track these signs and manage diabetes effectively through their Pet Diabetes Tracker app. You can download it here.

     

    Managing Diabetes in Dogs and Cats

    Managing pet diabetes requires a consistent routine of proper nutrition, exercise and medical care. While it may sound overwhelming initially, staying on top of your pet’s health becomes easier with the right tools.

     

    1. Healthy Diet and Nutrition

    • Diabetic dog food: A specialised diet plays a massive role in regulating your pet’s blood sugar levels. Ensure that you’re using the best food for diabetic dogs, such as low-carb, low-glycaemic dog food, to prevent glucose spikes.
    • Diabetic treats: Keep their snacks healthy by choosing diabetic dog biscuits or low-carb treats.

     

    1. Monitoring and Medical Care

    • Insulin treatment: Most diabetic pets need daily insulin.
    • Glucose monitoring: Consider a glucose monitor for dogs to keep blood sugar levels in check.
    • Vet check-ups: Regular visits help prevent complications, such as chronic kidney disease or diarrhoea in dogs.
    • Exercise: Consistent physical activity helps maintain a healthy weight and regulates insulin levels.

    MSD Animal Health makes the only veterinary insulin for pets. Chat with your veterinarian to ensure that your pet gets the proper care.

     

    How Pet Insurance Can Help Manage Pet Diabetes

    Caring for a diabetic pet can become expensive with the need for insulin, monitoring tools and prescription food. This is where pet insurance steps in to ease the burden so that you can focus on your animal. Check out our variety of plans and choose the right cover for your furry family members. Get cover now.

  • ON THE MOVE: WHY TRANSIT INSURANCE IS CRUCIAL DURING BLACK FRIDAY

    ON THE MOVE: WHY TRANSIT INSURANCE IS CRUCIAL DURING BLACK FRIDAY

     

    When Black Friday and Cyber Monday come around, businesses shift into high gear to meet consumer demands. However, there is also a shift when it comes to Goods in Transit Insurance claims. That’s because while businesses are moving stock and fulfilling all our online orders, hijacking of courier vehicles and theft of goods are in high gear too.

     

    Protecting Goods on the Road

    As Black Friday deals navigate across Mzansi this November, the risks such as traffic accidents, theft or even weather damage increase. Transit Insurance for goods ensures that your stock stays protected from pickup to delivery, minimising financial losses if something goes wrong along the way.

     

    Essential Tips for Courier Companies

    • Stay alert: It’s easy to get distracted while travelling all day. Keep your eyes on the road and always be aware of your surroundings.
    • Maintain distance: Leave enough room between your vehicle and the one in front of you to avoid being boxed in.
    • Watch for followers: If you suspect someone is following you, drive to the nearest police station or a safe, public location.
    • Insure smartly: Make sure your insurance covers both the vehicle and the goods in transit.
    • Employee training: Provide training to employees on theft prevention and how to react in case of a hijacking or a robbery.
    • Red Zone Alert: The first few hours after leaving the depot are often the riskiest. Be vigilant and switch your routes to avoid predictability.
    • Park smart: When possible, park in well-lit, guarded locations. The same goes for unpacking.
    • Control your speed: Adjust your speed when approaching traffic lights to avoid coming to a complete stop.

     

    Don’t Allow Your Business to Be Left Behind

    With deliveries piling up and shoppers counting on smooth transactions, get a Comprehensive Business Insurance Policy that includes Goods in Transit Protection as 1 of the 20 cover sections we offer.

    Stay ahead of the Black November Rush with dotsure.co.za. Get cover today and keep your business moving.

  • GERMAN SHEPHERD CHARACTERISTICS AND CARE

    GERMAN SHEPHERD CHARACTERISTICS AND CARE

     

    German Shepherds are known for their intelligence, loyalty and bounds of energy! These protective and highly active companions also have a silly soul and a heart of pure gold! Just picture one, their ears too big for their head, looking up at you, tilting their face with absolute adoration.

    Whether you have a German Shepherd puppy or a professional working adult (they’re also known for policing our streets, you know), here’s your ultimate guide to caring for your loyal companion.

     

    How to Take Care of a German Shepherd

     

    Diet: Fuelling Their Energy Levels

    German Shepherds are high-energy dogs that need a well-balanced diet.

    • Protein-Rich Meals: Aim for 18-25% protein to support their active lifestyle. Chicken, fish and baked dry foods are great options.
    • Avoid Additives: Skip foods with wheat or soy that could trigger allergies.
    • Add Healthy Fats: Include Omega-3 and Omega-6 fatty acids to maintain their thick, luxurious coats.
    • Follow an Age-Specific Diet: Puppies need extra protein and fat, while adult and senior dogs require fewer calories to maintain their weight.

     

    How to Train a German Shepherd

    As highly active dogs, training is essential to help your German Shepherd channel their natural drive.

    • Physical Exercise: These dogs thrive on activities such as fetch, agility training and long hikes or walks. They need at least 2 hours of daily exercise.
    • Interactive Play: German Shepherds are extremely intelligent. Puzzle toys and scent games will keep them mentally stimulated.
    • Obedience Basics: Use positive reinforcement to strengthen their learning.

     

    Grooming: Keep Your Shepherd Looking Sharp

    Though their grooming needs are moderate, regular maintenance keeps German Shepherds looking extra fresh!

    • Brush Regularly: German Shepherds shed A LOT! So, brush them several times a week to remove loose hair and perhaps consider throwing out all your black clothing items.
    • Bath Occasionally: Use a gentle dog shampoo to keep their coat fresh.
    • Care for Ears and Paws: Clean those big ears regularly to prevent infections and trim nails to avoid discomfort (and zoomie scratches).
    • Dental Health: Brush their teeth at least twice a week to ensure a picture-perfect smile.

     

    Health Concerns to Watch Out For

    German Shepherds are generally healthy but can be prone to certain conditions:

    • Bloat/GDV: A severe condition where the stomach twists. It requires emergency treatment.
    • Hip and Elbow Dysplasia: These joint issues can cause pain and mobility challenges.
    • Allergies: Skin and food allergies may lead to itching, redness or hair loss.
    • Ear Infections: Regular ear cleaning can prevent moisture buildup that causes infections.
    • Arthritis: Osteoarthritis may develop with age, affecting their mobility.

    Make sure you keep to your routine vet visits so that your German Shepherd stays in top form.

     

    Ready to Welcome a GSP to Your Herd?

    Protect your German Shepherd with dotsure.co.za Pet Insurance for extra peace of mind. Because every shepherd needs a safety net when life’s adventures get RUFF!

  • BLACK FRIDAY DREAM LIST: THE CAR DEALS WE WISH EXISTED

    BLACK FRIDAY DREAM LIST: THE CAR DEALS WE WISH EXISTED

     

    Looking for New Car-Related Deals?

    Owning a car can sometimes feel like an endless money pit, with hidden costs at every turn. But what if Black Friday could offer us a break? Imagine the thrill of seeing those dreaded car-related expenses finally shrink.

     

    Cheap Cars for Sale

    Buying a new car in South Africa is becoming more daunting as the local motor industry faces a steady decline. For the dreamers hoping to hit the road in their own set of wheels, a Black Friday deal sounds awesome.

    Fortunately, some local dealerships and online vehicle retail portals are getting in on the action with cash-back offers of up to R10,000, trade-in specials, and other eye-popping deals.

     

    Better Car Insurance Prices

    Since only about 30% of vehicles in South Africa are insured, it’s clear that many people are struggling to keep up with this essential service.

    Even though it’s legally forbidden for insurers to incentivise policy purchases, we can still wish for a day when car insurance comes with a Black Friday-sized price tag.

    Lucky for you, dotsure.co.za already offers great savings the entire year. You can get a 20% lifetime discount when buying online, and customise your cover to only pay for what you need.

     

    Fuel for Thought

    If there’s one thing we all wish Black Friday could fix, it’s the ever-climbing fuel prices. We all know the drill: the only thing rising faster than petrol prices is our collective frustration.

    Picture this: discounted petrol cards, cashback offers at the pump, or even price cuts on fuel purchases. That would be the kind of deal to make any car owner’s heart race for all the right reasons!

     

    Car Tyre Replacement

    Tyres are another pricey part of car ownership, and with South Africa’s infamous pothole-riddled roads, their lifespan can be even shorter.

    Wouldn’t it be amazing if Black Friday brought us affordable tyre deals? Imagine snagging premium tyres at half the usual cost. Now, that would be a victory for your wallet and your peace of mind.

     

    Annual Car Services

    Maintaining your car’s health with regular services can drain your savings faster than you can say “oil change.” Most of us dread taking our cars to the mechanic, as each visit seems to come with a new hefty bill.

    What if Black Friday changed that narrative? Imagine an annual service at unbeatable prices, such as R200 for a full-service special. Now, that’s the kind of Black Friday deal we’d all get behind. While it may not be reality just yet, there’s always hope that one day service centres will jump on the Black Friday bandwagon.

     

    Keep Saving All Year

    This Black Friday, South African motorists need a break more than anyone.

    While most of these deals don’t exist (yet), we can always dream of a world where Black Friday discounts on car insurance, petrol, tyres, and service plans become as common as half-price TVs.

    Until then, dotsure.co.za is always here to help you save and enjoy value-packed benefits, making it feel as if it’s Black Friday all year long!

  • VET ADVICE: HOW TO KEEP YOUR PETS SAFE AND HEALTHY THIS SUMMER

    VET ADVICE: HOW TO KEEP YOUR PETS SAFE AND HEALTHY THIS SUMMER

     

    Pet Summer Safety Tips

    As summer temperatures rise, keeping our furry friends cool, calm, and collected is essential. While long summer days are perfect for outdoor adventures, our pets can be vulnerable to hot weather with risks such as heatstroke and dehydration. Dr Jeanne-Marie Eksteen from Knysna Veterinary Clinic’s Sedgefield Branch shares her expert advice on pet summer safety tips to keep your four-legged friends happy and healthy this holiday!

     

    When did you decide to become a vet?

    One of the many critters I helped was a rescued crow brought to us by neighbours. He became part of the family — very loquacious, even featured on 50/50 way back in the 80s! When dogs attacked him and broke his beak, I decided to become a vet one day.


    Do you have any pets? If so, tell us about them!

    We have four dogs and three cats, each with a rescue story.  The most colourful story must be Tjokkie’s.  Tjokkie is a Yorkshire Terrier that was picked up on the N2, unable to walk with slipping kneecaps and an old skewed-healed fracture.  Six weeks in foster care without anyone claiming him led him to us.  Vet-hubby Johan fixed his slipping kneecaps and the fractured leg, and now he sleeps under our duvet every night.

     

    How to Keep Your Pets Safe in the Hot Weather

     

    What common mistakes do pet parents make during the warmer months, and how can they avoid them?

    Walking dogs during midday, especially on a hot tarmac, can cause overheating, heatstroke and burned footpads. Instead, walk during dawn and dusk. Feel how hot the surface is and consider whether your feet will be happy walking on it.

    Never leave your dog in a car, even with the window slightly open and parked in the shade!


    What are some effective ways to keep pets cool during hot days?

    Walk near water so they can take a plunge when they feel too hot. If your garden and house don’t have enough cooling spots, hose them down. Ice cubes in water bowls also work well.


    What precautions should be taken for pets that spend much time outdoors?

    Ensure that you have enough shade for them during the day, especially at midday. Keep their water bowl(s) in the shade and add ice cubes if their water still feels too hot. If possible, have a shallow, watery spot where they can cool their whole body down.


    How might the heat affect a pet’s behaviour, and what signs should owners look for?

    Overheating can cause excessive panting, weakness, collapsing and even death.  Sluggishness or irritability can also be a sign that they are not well.


    Any last thoughts on the topic?

    Heat stroke can be fatal, especially in brachycephalic dogs with ‘flatter’ noses such as bulldogs who struggle to pant to cool down.  Dogs that cannot breathe properly cannot regulate heat properly.

     

    Keep Your Pet Covered All Year Round

    While you do your best to keep your pets cool and safe, accidents and unexpected situations sometimes happen. That’s where pet insurance comes in! It can cover everything from heatstroke treatments to emergencies so that you can make the most of your summer adventures. Get a quote today and enjoy knowing your pet is always protected.

  • HOW TO SAVE ON CAR PARTS ALL YEAR ROUND

    HOW TO SAVE ON CAR PARTS ALL YEAR ROUND

     

    Saving Beyond Black Friday Deals

    When Black Friday rolls around, we all hope to catch great deals, especially on expensive car parts. But wouldn’t it be nice to save on car repairs and parts the entire year, without waiting for sales? One way to do that is with an extended car warranty.

     

    The Unexpected Cost of Car Repairs

    It can feel daunting to commit to paying a monthly fee for an extended warranty. But that perception quickly changes the moment you’re hit with a major repair bill. Modern vehicles are more reliant on complex electronics than ever before, and those systems are prone to unexpected failure. There’s a good chance that just when your manufacturer’s warranty has expired, you might find yourself needing to pay for costly repairs out-of-pocket.

    If you’re considering keeping your car beyond the typical two to six years of manufacturer warranty coverage, an extended car warranty could save you thousands in repair costs over time.

     

    Cover Car Breakdowns

    Our extended car warranty covers major components of your vehicle such as the engine, gearbox, fuel system, transmission, and differential. While it won’t cover everything (don’t expect it to fix dashboard buttons your child snapped off while pretending to be a race car driver), the essential and most expensive parts of the car are protected.

    If you experience a mechanical breakdown that falls under your warranty, you’re spared the pain of paying out-of-pocket for these repairs.

     

    Expensive Car Parts

    Once your manufacturer’s warranty expires, it’s worth exploring an extended warranty. It keeps you from having to shell out huge sums for major repairs, especially as your car ages.

    For example, replacing wheel bearings on a Renault Kwid could cost around R6,000. That sounds rough already. But what if your Audi A4 needs serious engine work two weeks after your warranty expires? You could be looking at a R100,000 bill, or more.

     

    Choose the Best Car Warranty

    Beyond protecting your wallet, our extended warranty offers additional benefits.

    • Fixed monthly costs: Rather than facing unexpected repair bills, you’ll have the stability of predictable monthly payments.
    • Peace of mind: You’ll rest easy knowing we are there to help cover expensive components in the event of failure.
    • Roadside assistance: Ensures that you won’t be left stranded after a breakdown.
    • Increased resale value: A well-maintained car with an extended warranty is more attractive to buyers and can retain more value.

     

    Save All Year

    While Black Friday might offer deals on individual parts, an extended car warranty can save you money year-round. The right policy will cover the big-ticket items that hurt the most when they break.

    Stop waiting for a deal to save on car parts. Protect your investment and enjoy peace of mind knowing that, no matter when your car decides to break down, you won’t be left footing the full bill.

  • AGEING GRACEFULLY: A GUIDE TO CARING FOR YOUR SENIOR PET

    AGEING GRACEFULLY: A GUIDE TO CARING FOR YOUR SENIOR PET

     

    Like us, pets need a little extra care as they get older. They tend to become slower and have less energy (although senior pets still enjoy the zoomies every now and then), and they might need additional support and love to stay comfortable. Here’s how you can help your senior pet live their best life!

     

    Keeping Older Pets Healthy and Active

    • Joint Support: Try supplements with glucosamine and chondroitin for ageing joints.
    • Laser Therapy: Some vets now offer laser treatments to help with pain relief and improve mobility.
    • Stay Active: Just because they’re old it doesn’t mean they don’t need exercise. Try gentle exercises such as short walks or a game of fetch in the garden to avoid strain on their joints and keep their weight in check.

     

    Smart Nutrition for Senior Pets

    • Diet Tweaks: Older pets and foods lower in fat but higher in fibre go together like pets and dotsure.co.za. Plus, antioxidants to boost their immune systems.
    • Hydration Matters: Senior pets can become dehydrated quickly, so ensure that their water bowls are always full.
    • Regular Vet Visits: Frequent vet visits ensure new health or dietary needs are caught early and managed properly.

     

    Specialised Care When Boarding Senior Pets

    • Find Senior-Friendly Facilities: If you’re at work and can’t be home during the day, look for boarding options with experienced staff trained in caring for elderly pets.
    • Comfort and Medication Management: Make sure they offer comfy beds and can administer any medications your pet might need.

     

    Spotting Signs of Ageing and When to Call the Vet

    • Know the Symptoms: Watch for signs such as stiffness, reduced energy or a drop in appetite. This could mean it’s time to see your vet.
    • Get Expert Advice: A vet specialising in senior pet care can provide personalised advice and support.

     

    The Best Care at Every Stage of Life

    Helping your furry friend age gracefully is all about being attentive to their changing needs. For added peace of mind, consider cover for your golden oldie against accidental injuries. Click here to get a pet insurance quote online today.

  • SOUTH AFRICAN BUSINESS INSURANCE: COVERING THE UNIQUE RISKS YOU FACE

    SOUTH AFRICAN BUSINESS INSURANCE: COVERING THE UNIQUE RISKS YOU FACE

     

    Every business is different, and those differences come with unique challenges in South Africa. From load shedding disruptions to theft, public liability and even riots, in Mzansi, your business needs insurance that works as hard as you do. At dotsure.co.za, we understand South African businesses’ risks — and we’ve designed comprehensive business insurance policies to protect you when it matters most.

     

    Unique Risks for South African Businesses

     

    Power Outages & Equipment Failure

    Load shedding can damage electronics and disrupt operations. Business property insurance protects you against equipment breakdowns, helping you bounce back faster than Eskom.

     

    Crime and Vandalism

    Many businesses face theft. Business insurance for retail and restaurant businesses ensures that your stock, equipment, and premises are protected from loss or damage.

     

    Weather & Riot Risks

    South Africa has it all: floods, hail, fires, and public protests! SASRIA insurance covers losses caused by riots, strikes and public disorder. Content insurance provides a safety net against losses resulting from natural disasters.

     

    Liability Risks for Any Business Size

    Accidents can happen whether you’re a sole trader or running a large enterprise. Public liability insurance protects your business from third-party injury or property damage claims.

     

    Specialised Industry Coverage

    Our policies extend to hospitality businesses, churches, vet practices and construction projects, with tailored cover to meet your industry-specific needs. These include event cancellation insurance, loss of liquor licences and plant machinery insurance.

     

    Get Business Insurance That Gets SA

    At dotsure.co.za, we offer flexible, customised Business Insurance that combines your property, motor, assets, and liability insurance into one simple, straightforward package. No matter what size your business or sector is, we’ve got you and the unique risks you face being a business in South Africa covered!

    Get your business covered within 24 hours – TODAY!

  • TOP MECHANICAL FAILURES THAT CAUSE FATAL CAR CRASHES

    TOP MECHANICAL FAILURES THAT CAUSE FATAL CAR CRASHES

     

    When Failing Car Parts Turn Lethal

    Mechanical failures may not be the leading cause of car crashes in South Africa, but they still play a significant role in deadly accidents. According to the State of Road Safety Report, mechanical issues contributed to 4% of the 10 611 fatal car crashes recorded in 2021. This means that more than 420 fatal accidents are caused by vehicle malfunctions. Globally reports from the National Highway Traffic Safety Administration (NHTSA) suggest that mechanical failures account for up to 35% of all vehicle accidents.

     

    Tread Carefully

    Tyre problems are the most common mechanical failures that cause fatal crashes as they are responsible for 2,4% of fatal accidents. Issues such as tyre blowouts, worn tyres, under- or over-inflation, and punctures can cause drivers to lose control, leading to rollovers, collisions with other vehicles, or crashes into roadside barriers.

     

    Take a Brake

    Faulty brakes are another leading cause of car accidents due to mechanical failure. Worn brake pads, damaged brake lines, or malfunctions in the anti-lock braking system (ABS) can lead to rear-end collisions, especially in sudden stop situations. Brake failure is a significant contributor to road fatalities.

     

    Steer Away from Issues

    Steering defects are extremely dangerous as they can cause a sudden loss of vehicle control. Issues with the steering, suspension, or transmission can make the vehicle difficult to handle, especially at high speeds, leading to rollovers or head-on collisions.

     

    Lighten the Risk

    Headlights and taillights that aren’t functioning properly can make your vehicle nearly invisible in low-light or poor weather conditions. Faulty lights significantly increase the risk of being involved in a crash, especially at night or in foggy conditions.

     

    Avoid Total Wipeouts

    Worn windscreen wipers are a common, yet often overlooked cause of accidents. When windscreen wipers don’t clear the windshield properly, visibility is severely compromised in rainy or snowy conditions, increasing the likelihood of accidents.

     

    Stay in Control

    Engine failures are another major mechanical problem that can lead to accidents. A sudden engine stall or malfunction while driving can cause you to lose control of the vehicle. Regular vehicle maintenance can help to remedy these issues before they become a problem.

     

    The Importance of Regular Car Maintenance

    The best way to prevent mechanical failures is to stay on top of your car’s regular maintenance. Routine checks for tyres, brakes, steering, and lights can save lives by ensuring your vehicle operates safely.

    To protect yourself from costly repairs, consider investing in an extended car warranty!

  • WHAT TO DO IF YOUR CAR INSURANCE CLAIM IS REJECTED

    WHAT TO DO IF YOUR CAR INSURANCE CLAIM IS REJECTED

     

    Understanding the Claims Process

    Having your car insurance claim rejected can be a frustrating experience, especially when you’re already dealing with the aftermath of an accident. At dotsure.co.za, we pride ourselves on offering a seamless claims process, but we understand that sometimes things don’t go as planned.

    RELATED: How to Claim on Your Car Insurance

     

    Why Was My Car Insurance Claim Rejected?

    First things first. Before taking action, it’s important to understand why your claim was rejected. Common reasons include:

    • Failing to meet policy terms.
    • Delayed reporting of the incident.
    • Non-disclosure of important information when you took out the policy.
    • Insufficient evidence to support the claim.

    Make sure that you read the rejection letter carefully and understand the reason for the denial. This information is crucial when you take your next steps.

     

    What Should I Do Next?

    If your claim has been rejected, follow these steps to improve your chances of getting a resolution:

    1. Review your policy

    Take time to go through your car insurance policy thoroughly. Ensure that you have met all the terms and conditions outlined in your agreement. This can give you clarity on whether the rejection is justified or if there’s room for an appeal.

    1. Contact our Client Care department

    At dotsure.co.za, we believe in second chances, and our specialised client care department is here to help. Reach out to them immediately if you feel your claim has been unfairly denied. They are committed to investigating your complaint and contacting you within 24 hours.

    Client Care Line: 0861 368 7873

    1. Prepare evidence

    Gather all relevant documents and evidence related to your claim, such as accident reports, photographs, witness statements, and repair estimates. These can help strengthen your case during the review process.

    1. Submit a formal complaint

    If your issue isn’t resolved within 24 hours, your complaint will be referred to our Internal Resolutions team, who will conduct a more thorough investigation. They’ll issue a formal decision in writing. Our goal is to learn from every experience and continuously improve our service.

    Internal Resolutions Contact:
    Tel: 0861 001 083
    Email: resolutions@badgerins.co.za

     

    How We Keep You Going Forward

    We understand how stressful it can be to have a car insurance claim denied, but rest assured that we value your business and strive to resolve any disputes quickly and fairly.

    Our goal is to ensure that every customer is treated with the utmost respect and professionalism.

  • 5 CAR MAINTENANCE TIPS YOU SHOULD KNOW

    5 CAR MAINTENANCE TIPS YOU SHOULD KNOW

     

    Avoid Breakdowns and Costly Repairs

    Even the toughest vehicles need some TLC to keep them in top shape. Regular maintenance is essential to ensure that your car remains reliable. Whether you’re driving from Durbs to Jozi, or just running daily errands, taking care of your car will help you go the distance!

     

    Keep Your Windshield Wipers in Top Condition 

    Your windshield wipers are essential for clear visibility, especially in bad weather. Faulty wipers can compromise your safety, so it’s vital to ensure they are in good working order.

    TIP: If your wipers squeak or leave streaks, it’s time for a replacement. Make sure to buy the right wiper blades for your car’s model to avoid poor performance.

     

    Regularly Change Your Engine Oil

    Keeping your engine well-lubricated is crucial for its performance and longevity. Regular oil changes prevent friction, overheating, and costly engine repairs.

    TIP: Follow your vehicle’s manual for oil change intervals. If you struggle to remember, consider installing an electronic oil pressure gauge that monitors oil levels and alerts you when it’s time for a top-up.

     

    Clean Your Car Seats and Upholstery

    Over time, spills and stains from coffee, soda, or dirt can accumulate on your car seats. Keeping your car’s interior clean enhances its appearance and prevents long-term wear.

    TIP: Use a safe upholstery cleaner for all surfaces, including fabric, leather, and dashboards. For leather seats, create a DIY cleaner using ½ a cup olive oil and a ¼ cup vinegar. Spray the mixture, let it sit for five minutes, and then wipe it clean.

     

    Maintain Proper Tyre Pressure 

    Properly inflated tyres are essential for your car’s safety, fuel efficiency, and handling. Under-inflated tyres wear out faster and can affect your vehicle’s performance.

    TIP: Check your tyre pressure every 2-3 weeks to ensure it meets the manufacturer’s recommendations.

     

    Monitor Your Car’s Coolant Levels

    Your car’s engine generates a lot of heat, and the cooling system helps regulate its temperature. Keeping an eye on your coolant levels will prevent the engine overheating, which can lead to serious damage.

    TIP: Always check your car’s coolant levels before long drives. If the temperature gauge on your dashboard shows the needle moving toward the red zone, pull over and let the engine cool before adding coolant.

     

    Extend the Lifespan of Your Car

    Consider getting dotsure.co.za’s extended car warranty to protect against unexpected mechanical or electrical breakdowns. We cover more than 60 car parts that are prone to breaking or failing.

    Stay safe and keep your car in top shape!

  • CAR INSURANCE: MYTHS VS FACTS

    CAR INSURANCE: MYTHS VS FACTS

     

    Debunking Common Car Insurance Myths

    Car insurance is a must-have for every driver, but misconceptions lead to the majority being uninsured (or with the wrong amount of coverage). We’ll be setting the record straight, to help you make more informed decisions!

     

    Myth 1: You Only Need Minimum Coverage 

    One of the biggest misconceptions is that the minimum required car insurance coverage is enough to keep you fully protected. While opting for minimum coverage might save you some money upfront, it could leave you exposed in the event of a serious accident.

    Minimum coverage typically includes third-party liability insurance, which only covers damages to other people’s property or medical costs if you’re at fault in an accident. It doesn’t protect you from expenses related to your own vehicle’s repairs.

     

    Myth 2: Red Cars Are More Expensive to Insure 

    You’ve likely heard that red cars cost more to insure, but that’s simply not true. The colour of your car has no bearing on your insurance premium. Instead, insurers consider factors such as your driving record, the make and model of your car, your location, and the type of coverage you select.

     

    Myth 3: Your Credit Score Doesn’t Affect Your Premium 

    Many drivers believe that their credit score doesn’t influence their car insurance rates, but the truth is, it often does. Insurance companies frequently use credit-based insurance scores to help determine premiums. A higher credit score can be a sign of lower risk, leading to lower premiums, while a lower score might result in higher rates.

     

    Myth 4: Personal Car Insurance Covers Business Use 

    Using your personal car for business purposes? Don’t assume that your personal car insurance will cover you. Personal policies typically exclude coverage for commercial activities. If you’re in an accident while conducting business, you may not be covered unless you have the appropriate business or commercial car insurance.

     

    Myth 5: Your Insurance Covers Stolen or Vandalised Belongings 

    It’s a common misunderstanding that car insurance covers personal belongings stolen from your car. Unfortunately, car insurance generally doesn’t cover stolen or vandalised personal items left inside the vehicle. To protect your belongings, you can add vehicle contents cover to your policy.

     

    Myth 6: The Car Owner’s Insurance Covers All Drivers 

    If you borrow a friend’s car, you might think their insurance policy will cover you in case of an accident. However, insurance usually follows the car, not the driver. Depending on the policy, you may not be fully covered when driving someone else’s vehicle. Always check the policy details before borrowing a car.

     

    Myth 7: Your Premium Will Skyrocket After Any Accident 

    While it’s true that accidents can impact on your insurance premiums, not every accident will cause a massive rate hike. Insurers consider several factors, including the severity of the accident, who was at fault, and your overall driving record. A minor fender bender may not result in a significant premium increase, while a more serious collision could.

     

    Trust the Facts, Not the Myths 

    Don’t let car insurance myths guide your decisions. You can make smarter choices for better protection, without overpaying. That’s why we offer customisable cover to suit your needs and budget.

    Take control of your car insurance, with dotsure.co.za!

     

  • HOW TO SAFEGUARD YOUR BUSINESS AGAINST CYBER THREATS

    HOW TO SAFEGUARD YOUR BUSINESS AGAINST CYBER THREATS

     

    The modern business landscape faces an increasing number of cyber threats. Whether you own a small business or a larger enterprise, cyberattacks can cause significant financial losses and reputational damage. With proper planning and cybersecurity insurance, businesses can protect themselves better!

     

    What Are the Biggest Cyber Threats to Businesses?

    Phishing and Social Engineering Attacks

    Ever received an email that looks real, but something feels off? That’s phishing in action. And no, no actual fish are harmed; it’s just your ego when hackers trick you into handing over passwords or sensitive info through fake emails or websites. Be honest, almost everyone’s been close to falling for one (hopefully not you, though!).

     

    Ransomware Attacks

    This is when hackers lock up your files and demand a ransom to unlock them. Think of it as digital kidnapping. Without cyber insurance, paying that ransom or recovering from the damage could seriously hurt your business.

     

    Data Breaches and Identity Theft

    If hackers access your stored customer or employee data, it’s game over. This could lead to identity theft, lawsuits, and fines, especially if you don’t have cyber liability insurance in place to protect your business.

    If you’re wondering about dotsure.co.za’s cyber security, your information is safe with us (we are the insurance, remember ?).

     

    Top Tips to Protect Your Business from Cyber-Attacks

    Invest in Cybersecurity Insurance

    Look into cyber insurance to cover losses from data breaches, ransomware and system downtime. Make sure the policy suits your business’ size and needs.

     

    Train Employees on Cybersecurity Best Practices

    Employees are often the first line of defence. Regular training to enable them to spot phishing emails and maintaining strong passwords can prevent breaches.

     

    Use Advanced Cybersecurity Software

    Consider using tailored cybersecurity solutions, such as firewalls and antivirus software, to keep your systems secure. Look for IT companies that specialise in helping small businesses.

     

    Backup Your Data and Have a Recovery Plan

    Back up your systems regularly to reduce downtime in case of a cyber incident. Having a recovery plan helps you bounce back quickly from attacks such as ransomware.

     

    Stay Protected with Dotsure Business Insurance

    Don’t leave your business exposed. Protect it with  Business Insurance, offering tailored solutions to fit your needs, including Cybersecurity Insurance. Visit dotsure.co.za to learn more.

  • DRIVING CLARITY: GET ON TRACK WITH FREQUENTLY ASKED QUESTIONS

    DRIVING CLARITY: GET ON TRACK WITH FREQUENTLY ASKED QUESTIONS

     

    Answering Your Car Insurance Questions

    Whether you’re a first-time buyer or an experienced driver, car insurance can be tricky. But fear not, we’re about to accelerate your knowledge from zero to expert!

     

    What Does Car Insurance Cover?

    Depending on the policy type, car insurance covers the damages or total loss of your vehicle. This includes accidents, theft, hijacking, fire, third-party liability, and non-standard accessories.

     

    How Do I Choose a Car Insurance Policy?

    Our car insurance allows you to customise your cover to suit your needs. You can exclude certain options (such as hail cover, weekend driving, night-time driving, etc.) to lower your premium. This flexibility allows you to tailor your policy based on your driving habits and only to pay for the cover you need.

    RELATED: Save on your car insurance.

     

    How Can I Get Car Insurance?

    To qualify for car insurance, you’ll need to meet the following criteria:

    • Have a valid South African driver’s licence (no learner’s licences).
    • Be at least 20 years old, but no older than 80.
    • Your car must be under 20 years old.
    • The car’s Gross Vehicle Mass (GVM) must be under 3 500 kg.
    • The vehicle cannot be used for courier services, driving schools, or security services.

     

    How Do I Log a Claim?

    The best way to submit a claim is through the Manage Portal. Once you’re logged in, head to the “Overview” page, find the product you’d like to claim for, and click “Submit Claim.” Make sure to have the following information handy:

    • Policy number; ID number; image of vehicle license.
    • Date, time, and cause of the incident.
    • SAPS report (must be obtained within 24 hours of the incident).

     

    Why Do I Have Multiple Debits?

    If you notice multiple debits, it’s probably due to value-added products you’ve chosen to add to your car insurance policy. These products carry separate premiums and are debited individually each month.

     

    Do I Need to Fit a Smartbox Device if I Have My Own Tracker?

    Yes, if you opt for our comprehensive car insurance policy. The Smartbox offers more than just tracking. It provides insights into your driving behaviour, which allows us to tailor your premium and coverage to your specific driving habits.

     

    Get the Most Out of Your Cover

    If you have any other questions, please call us on 0861 368 7873 or send an email to u2us@dotsure.co.za. We’d love to assist you, and we welcome any feedback from our family members!

  • WARRANTY KNOW-HOW: YOUR MOST COMMON QUESTIONS ANSWERED

    WARRANTY KNOW-HOW: YOUR MOST COMMON QUESTIONS ANSWERED

     

    Understanding How an Extended Car Warranty Works

    When it comes to keeping your car in top shape, unexpected breakdowns can be a real headache. That’s where an extended car warranty steps in, providing a safety net for costly repairs. Below, we answer the most common questions about extended car warranties to help you make an informed decision.

     

    What is an Extended Car Warranty?

    An extended car warranty covers the repair or replacement costs of specific mechanical and electrical components after your manufacturer’s warranty has expired. At dotsure.co.za, our plans cover key components most likely to fail, ensuring you’re not left with a hefty repair bill. We offer flexible options tailored to your needs and budget, covering cars up to 15 years old and with up to 300 000 km on the clock.

     

    What is an RMI-Approved Service Centre, Mechanic, or Workshop?

    RMI stands for the Retail Motor Industry Organisation, a body that accredits service centres and mechanics in South Africa. Choosing an RMI-approved service provider ensures that your car is in the hands of trusted professionals who adhere to industry standards and fair pricing.

     

    Does This Cover My Annual Services?

    An extended car warranty primarily covers unexpected mechanical failures and electrical issues, as it is not a service plan. However, some of our plans have an optional service extension, which entails an additional premium, where we can contribute a specified amount to your annual service.

     

    How Much Do Car Parts Cost?

    Mechanical and electrical parts vary in price depending on the make and model of your car. Unfortunately, many of these parts can be quite expensive. With an extended car warranty, you can avoid these steep costs by ensuring that crucial components are covered, saving you from unexpected financial strain.

     

    What is Basket Cover?

    Basket cover refers to the total payout you qualify for if multiple components fail simultaneously. In other words, it’s the cap on the total amount that can be claimed for all component failures covered under your warranty plan. This feature ensures that you have clarity on the maximum financial protection provided.

     

    Get the Most Out of Your Cover

    With an extended car warranty, you can drive with peace of mind, knowing that the most critical (and expensive) parts of your vehicle are protected.

    If you have any further questions or need assistance, feel free to call us on 0861 368 7873 or send an email to u2us@dotsure.co.za.

  • PET INSURANCE MADE SIMPLE: YOUR TOP QUESTIONS ANSWERED

    PET INSURANCE MADE SIMPLE: YOUR TOP QUESTIONS ANSWERED

     

    Understanding How Pet Insurance Works

    If you’re considering pet insurance or already have a policy, it’s important to understand how your cover works. Below, we’ve compiled answers to some of the most frequently asked questions about our pet insurance.

     

    Can My Vet Be Paid Directly?

    No, our pet insurance works on a reimbursement basis. This means you pay the vet upfront, and then submit your claim for reimbursement. We typically settle valid claims within 48 hours, provided all necessary documents are submitted. The only delays that may occur are due to public holidays, Sundays, or bank processing times.

     

    Can I Go for Follow-Up Consultations?

    Yes, you can take your pet for follow-up consultations. However, any follow-up visits for the same condition will be considered part of the initial claim, and you’ll be covered up to the limits and sub-limits indicated on your policy schedule.

     

    What is Third-Party Liability Cover?

    Third-party liability cover protects you if your insured pet causes damage to property or harm to another person. If you become legally responsible for such damages, this cover will help you settle those costs, depending on your policy’s limits.

     

    Do I Have to Visit a Specific Vet Practice?

    No, you’re free to visit any vet practice in South Africa, as long as the practice is qualified and registered with the appropriate regulatory bodies.

     

    Are Vaccinations Covered?

    Yes, vaccinations are covered up to a specified limit under the Wellness Benefit section of our Superior and Ultimate plans. Not yet a policyholder? You can explore all our plans and see the full range of benefits to find the one that best suits your pet’s needs.

     

    Get the Most Out of Your Cover

    Understanding your pet insurance plan can help you get the best value. Make sure to regularly review your policy details, so you know exactly what’s included.

    If you have any further questions or need assistance, feel free to call us on 0861 368 7873 or send an email to u2us@dotsure.co.za.

  • DRIVING PURPOSE: HOW YOUR CAR COVER GIVES BACK WITH DOTSURE.CO.ZA

    DRIVING PURPOSE: HOW YOUR CAR COVER GIVES BACK WITH DOTSURE.CO.ZA

     

    Giving Back with Every Policy

    At dotsure.co.za, we believe in driving positive change in our communities. That’s why, for every car insurance policy sold, we provide a Soft Landing to those in need. This wouldn’t have been possible without our incredible policyholders!

    RELATED: What is a Soft Landing?

     

    Direct Impact

    When choosing to safeguard your vehicle, you’re also helping to make a real difference. You’re actively contributing to initiatives that directly impact on lives. Whether it’s families facing tough times or communities affected by economic decline, your policy is a part of the solution.

     

    A Community Effort

    What makes our non-profit food drive so special is that it’s powered by people like you. These meals bring hope and relief, showing that even a small act, such as purchasing insurance, can lead to something far greater.

     

    The Impact of 5 Million Meals

    In just three years, we’ve reached an incredible milestone: over 5 million meals have been delivered to those in need!

    These meals don’t just fill bellies; they bring smiles, comfort, and most importantly, they offer a Soft Landing when it’s needed most.

     

    Together, We Can Do More

    As we look to the future, we remain committed to continuing this journey. With the support of our awesome policyholders, we can extend the impact of Soft Landings even further.

    The next time you hit the road, remember that your car insurance is more than just a policy. It’s a conduit for change. Drive with purpose and join us in making a difference, one policy at a time.

  • PACK LIKE A PRO: YOUR DOG’S ULTIMATE HIKING BAG CHECKLIST

    PACK LIKE A PRO: YOUR DOG’S ULTIMATE HIKING BAG CHECKLIST

     

    Planning a hiking adventure with your four-legged friend? Here are our top hiking essentials to help you pack like a pro and make the most of your adventure together.

    Related: SA’S TOP DOG-FRIENDLY HIKING SPOTS

     

    Essentials for Your Dog’s Hiking Bag:

     

    1. Water Bowl and Fresh Water

    Just like you, your dog needs frequent water breaks. A lightweight, collapsible water bowl makes offering water wherever you are accessible. It’s also crucial that you carry enough water for both of you.

     

    2. Dog-Friendly Hiking Snacks

    Who doesn’t love a snack? Keep your dog energised on the trail with some high-protein, pet-friendly snacks!
    Pro tip: Bring extra snacks in case the hike takes longer than expected.

    If you’re in the mood to bake, check out our pet-friendly peanut butter treats here – 4 RECIPES FOR PETS WHO LOVE PEANUT BUTTER

     

    3. First Aid Kit for Pets

    Accidents can happen, especially when we’re outdoors. Along with your first aid kit, pack a pet-specific first aid kit with:

    • Tweezers (for ticks or thorns)
    • Antiseptic wipes
    • Bandages and gauze
    • Emergency contact numbers for the nearest vet

     

    4. Waste Bags and a Portable Scoop

    You know that saying, “Leave it the way you found it?” Well, keeping nature clean is part of being a responsible pet parent. Bring enough waste bags and maybe even a portable scoop to make cleanup easy. No one wants to step in your dog’s mess!

     

    5. Comfort Gear

    While being outdoors may seem like their natural habitat, keeping them comfortable will mean you both enjoy the adventure even more! Depending on the weather and trail conditions, consider packing a small towel for muddy paws or a bandana you can wet to keep them cool.

     

    6. Identification and Safety Gear

    Even if your dog is microchipped, hiking in new areas can bring unexpected challenges. Make sure your dog wears a collar with updated information, such as your name, address and contact number.

     

    7. Leash and Harness

    Finally, the most important thing is a sturdy harness and leash!
    Our top hiking tip for dogs: Bring both a standard leash and a longer lead; the latter gives your four-legged adventurer some freedom on safe, open trails.

     

    Always Be Prepared!

    Being prepared is critical to a safe and fun-filled adventure in nature with your pet. With the right gear and a bit of planning, your dog will be ready to race you on any trail!

    For extra peace of mind, ensure your furry companion is covered with SA’s #1 Pet Insurance** – dotsure.co.za!

    **Voted SA’s #1 Pet insurer 2023/2024. The Star, Die Burger, Beeld, City Press

  • HOW TO GIVE BACK TO PETS IN NEED THIS NOVEMBER

    HOW TO GIVE BACK TO PETS IN NEED THIS NOVEMBER

     

    Creating Soft Landings for Animal Charities in SA

    While many of us are gearing up for Black Friday and Cyber Monday during November, we thought we could find a way for you to Give Back this November too. Whether you want to donate, volunteer or participate in a charity event, here’s how you can make a difference for pets in need across South Africa.

     

    Support Local Animal Charities

    Many animal welfare organisations in South Africa do incredible work, from providing shelter and vaccinations to rescuing and rehoming pets. Here’s a quick look at some trusted organisations you can support:

    • SPCA: With branches across the country, the SPCA focuses on rescue, adoption and animal welfare. You can make SPCA donations or adopt a pet from a nearby shelter.
    • AACL (Animal Anti-Cruelty League): This organisation rescues, rehabilitates and rehomes animals, working tirelessly to prevent animal cruelty.

     

    Support Local Foundations

    From helping animals in underprivileged areas to running and raising money for dogs, these organisations provide soft landings for animals across South Africa in many ways.

    These are only a few. There are so many more online. Search for an animal charity near you and show your suppawt!

     

    How to Get Involved

    1. Donate to Pets in Need

    Monetary donations help charities cover vet bills, food and operational costs. You can also support them by donating food, blankets, toys and cleaning supplies.

    2. Volunteer Your Time

    Shelters always need extra hands. Volunteer to walk the dogs, clean kennels or foster kittens and puppies until they are adopted.

    3. Spread Awareness

    Share your favourite charities and how others can help show their support too. Spreading awareness about animals in need is one of the easiest ways to give back this November.

     

    The Power of Soft Landings

    At dotsure.co.za, we exist to provide Soft Landings to our people, policyholders, and communities. It is our responsibility to do good, think good and be good. Consider giving back this November. A small act of kindness can give pets the second chance they deserve.

  • SA’S TOP DOG-FRIENDLY HIKING SPOTS

    SA’S TOP DOG-FRIENDLY HIKING SPOTS

     

    Walks, Trails and Tail-Wagging Hikes ahead!

    Calling all hiking enthusiasts. Are you planning to add a four-legged member to your weekend hikes? Well, you’re in luck! South Africa offers some of the most scenic dog-friendly hikes, from forests and mountains to coastlines and deserts. So, if you’re searching for “dog-friendly hiking trails near me” or planning an off-leash adventure, we’ve put together some of our favourite trails that will keep your dog on their paws!

     

    Western Cape

    Eastern Cape

    Gauteng

    North West

    KwaZulu Natal

    Northern Cape

    Limpopo

     

    Keep Your Pooch Protected. Get Pet Insurance Today

    Outdoor adventures are fun, but accidents happen, especially with curious dogs exploring new environments. Before you start your outdoor adventure, ensure that your furry friend is in the best shape (and health) of their life, with pet insurance from dotsure.co.za. Fetch an online quote today and hit the trails worry-free!

  • 4 RECIPES FOR PETS WHO LOVE PEANUT BUTTER

    4 RECIPES FOR PETS WHO LOVE PEANUT BUTTER

     

    Ready to Spread the Love with Some Homemade Pet Treats?

    Let’s be honest, peanut butter isn’t just a human obsession. Our pets love it just as much as we do! Not only is peanut butter a delicious treat, but it can also offer great nutritional benefits (in moderation). Just make sure to use pet-safe peanut butter without harmful ingredients such as xylitol.

    We’ve put together four easy, tasty recipes for homemade pet treats that will make your pets sit, stay and beg for more.

    PS: We recommend Vondi’s Peanut Butter. No preservatives, no nonsense. Just a delicious, nutritious treat they’ll love!

     

    Doggy Doughnuts

    Because your pet deserves more than just biscuits! These doughnuts are paw-sitively great for rewarding good boys and girls.

    Ingredients:

    • 1 cup of flour
    • 1 cup of oats
    • 1/3 cup of coconut oil
    • ½ cup of pet-friendly peanut butter
    • 2 eggs
    • ½ cup of plain yoghurt
    • ¼ cup of bacon bits

    Directions:

    1. Preheat your oven to 190°C and grease a doughnut pan.

    2. In a bowl, mix all ingredients (except bacon and yoghurt) until a dough forms.

    3. Press the dough into the pan and bake for 14 minutes or until golden brown.

    4. Let the doughnuts cool, then spread plain yoghurt on top and sprinkle with bacon bits for an extra crunch.

    5. Watch those tails wag in excitement!

     

    Pumpkin Dog Bones

    These bones are packed with pumpkin goodness and will keep your dog licking his paws!

    Ingredients:

    • 1 cup of oats
    • ⅓ cup of pumpkin puree
    • ¼ cup of Vondi’s Peanut Butter

    Directions:

    1. Preheat the oven to 180°C and line a baking tray with parchment paper.

    2. Use a food processor to grind the oats into a powder.

    3. Mix the pumpkin puree and peanut butter into the oat powder until a sticky batter forms.

    4. Flour your counter and roll out the dough.

    5. Use a bone-shaped cookie cutter and place each treat on the baking tray.

    6. Bake for 25 minutes or until the treats are hard.

    7. Cool on a rack before letting your pup enjoy!

     

    Peanut Butter Bird Treats

    Tweet your bird’s taste buds with these simple treats.

    Ingredients:

    • 4 slices of stale bread
    • 2 tablespoons of pet-friendly peanut butter
    • 1 cup of birdseed

    Directions:

    1. Use a cookie cutter to make fun shapes from the bread.

    2. Spread peanut butter on each shape and sprinkle generously with birdseed.

    3. Poke a small hole in each treat to hang them on a branch or feeder.

    4. Watch your feathered friends enjoy every peck!

     

    Rodent Nibbles

    Even your small pets need a treat now and then! These frozen drops are perfect for guinea pigs, hamsters and rats.

    Ingredients:

    • 1 ripe banana
    • ¼ cup of pet-friendly peanut butter
    • ¼ cup of rolled oats

    Directions:

    1. Mash the banana in a bowl.

    2. Mix in the peanut butter and rolled oats.

    3. Drop spoonfuls of the mixture onto a baking tray lined with parchment paper.

    4. Freeze for 30 minutes or until firm.

    5. Let them thaw slightly before serving them to your little furry friends.

     

    Peanut Butter: Delicious, But Know Your Pet’s Limits

    While peanut butter is a treat many pets enjoy, not every pet’s tummy will agree. Always make sure you’re using vet-approved, pet-friendly peanut butter, like the one from Vondi’s. Always consult your veterinarian and monitor your pet for any adverse reactions, such as itching, digestive issues or breathing difficulties.

    Happy baking, and hey, we’re never against peanut butter whisker pictures! Snap a pic and tag us – @dotsurepetsa!

     

    PS: these treats are human-friendly, too ?.

  • VET ADVICE: HOWLLOWEEN HAZARDS

    VET ADVICE: HOWLLOWEEN HAZARDS

     

    Top Tips for a Pet-Friendly Halloween

    Dr Gertruida Mentz is a small animal Veterinarian from Inanda Veterinary Hospital in Waterfall, Durban. We asked her some questions about making Halloween inclusive for our pets!

    What are the most common hazards for pets during Halloween?

    “The most common hazards for pets during Halloween include the ingestion of harmful sweets such as chocolates, raisins, and xylitol, which can be toxic. Additionally, pets may run away, escape, or get stuck in fences due to the heightened activity and noise during the holiday.”

    Are there specific types of decorations that pose a risk to pets?

    “Yes, certain Halloween decorations can pose significant risks to pets. For example, small balls can be a choking hazard or cause an obstruction if swallowed. Strings or hanging decorations can lead to pets getting entangled, potentially causing strangulation or internal obstructions if ingested.”

    What are the signs of a pet being stressed or uncomfortable in a costume?

    “Signs that a pet is stressed or uncomfortable in a costume include licking their lips, tucking their tail, hiding under furniture, or scratching at the costume in an attempt to remove it. Pets may also exhibit behaviours like staying still, not moving, or crouching down. For cats, signs of stress include freezing in place and having dilated pupils.”

    How can a pet’s anxiety be managed with the increased noise and activity?

    “To manage a pet’s anxiety during Halloween, it’s helpful to practice wearing a costume beforehand to allow them to get used to it. Socialising pets regularly can also help them feel more comfortable in large groups of people. If necessary, anxiety medication can be administered, and keeping pets indoors with the TV on or music playing can provide a calming environment.”

    Is the risk greater for pets to be outdoors during Halloween?

    “Yes, the risk is generally greater for pets to be outdoors during Halloween due to the increased noise, activity, and potential for them to encounter hazardous items or situations. Keeping pets indoors is often the safer option.”

    Learn more about our Vet of the Month

    Dr Gertruida works primarily with dogs and cats, and she is passionate about everything involving biology.

    When did you decide to become a Vet?

    “I have always been fascinated with figuring out how the natural world works, so a career in Veterinary science was a natural choice when choosing career paths in high school. My first conscious decision to become a Vet came when I was 15.”

    Do you have any pets?

    “I have two pets. Mina, a 5-year-old Domestic Shorthair cat and Tonka, an 11-month-old English Bull Terrier. Tonka was named after the brawny toy brand from the USA, as I just love their strong wills and endless energy, always ready to ‘bulldoze’ over everything that stands in their way. My real love lies with our feline friends, however, as I have always been completely intrigued by their demeanour and wide variety of personalities.”

  • INSURING THE CAR PARTS OF TOMORROW

    INSURING THE CAR PARTS OF TOMORROW

     

    The Evolving World of Automobiles

    We’ve come a long way if we think back to the first vehicle in history! Technology around us constantly evolves and the automobile world is no different. From electric vehicles to self-driving cars, the cars of tomorrow are already on our roads today! But with all this innovation comes a question: How do you insure the car parts of these cutting-edge vehicles? At dotsure.co.za, we’re ready for the future with an extended car warranty to cover South Africa’s cars of tomorrow.

    What Makes Tomorrow’s Car’s Different?

    Electric Power

    Electric vehicles (EVs) are here to stay, and as more people switch to greener alternatives with greener car parts, it’s essential to know how this affects your cover. EVs have advanced battery systems, electric motors and regenerative braking, so you will need advanced repairs and parts, too.

    Automated Gearboxes

    The future isn’t just electric, it’s also automated. Modern cars are increasingly equipped with automated gearboxes and semi-autonomous driving features. While these systems make driving easier, they also mean more complex and costly repairs if something goes wrong.

    Software Updates

    Software updates are not only for our phones and laptops. Today, the cars of tomorrow also rely heavily on software, which means they have much more in common with that little device in your pocket than you think. Constantly evolving with new features, software updates and improvements means your cover needs to evolve too.

    Autonomous Vehicles

    While “I Spy, a fully autonomous car”, may not be popular, they’re coming! Insuring a self-driving car will require policies that consider liability, software errors and the high-tech systems that make autonomous driving possible.

    Be Ready for Tomorrow

    The automotive industry is changing faster than ever, but one thing remains constant: you need solid cover to protect your vehicle. As insurer***, we’re committed to providing the best and most flexible solutions for all types of cars, whether they are powered by fuel or electricity. So, get your today – Quote online.

     

    ***Voted SA’s #1 Pet insurer 2023/2024. The Star, Die Burger, Beeld, City Press.

  • THE FRIGHTENINGLY EXPENSIVE CAR PARTS YOU NEED TO INSURE

    THE FRIGHTENINGLY EXPENSIVE CAR PARTS YOU NEED TO INSURE

     

    Priciest Parts to Repair or Replace Without an Extended Car Warranty.

    Owning a car comes with many responsibilities, and one of the scariest realities is the cost of repairs when things go wrong. Some car parts are more expensive than others, and if they break, you and your wallet can experience the same jump scare as something straight out of a horror movie. But you can keep the shock and horror at bay with the an extended car warranty from dotsure.co.za.

    Which Car Parts are the Most Expensive?

    When repairing or replacing car parts, some can really cost you. Here’s a rundown of the most frighteningly expensive car parts if you’re not covered.

    Engine and Cylinders

    The engine is the beating heart of your car. So, when it blows, your vehicle is pretty much dead in the water. Repairing or replacing an engine can cost as much as buying a decent second-hand car. Thus making it one of the most terrifying repair bills you’ll ever face.

    Transfer Case

    If you’re driving a four-wheel or all-wheel drive, the transfer case is what distributes power to all your wheels. When this part malfunctions, the repair cost may drive you up a wall.

    Automatic Gearbox

    Driving an automatic can be a breeze, but replacing or repairing an automatic gearbox not so much. And, unlike manual gearboxes, which are simpler and cheaper to fix, automatics often need total replacement when things go wrong.

    Trans-axle or Front-Wheel Drive Unit

    This essential component helps transmit power from your engine to the front wheels. Unfortunately, when it breaks down, it’s not a simple fix. The cost of repairing a trans-axle unit can send shivers down your spine.

    The Differential

    The differential allows your wheels to turn at different speeds, which is crucial when cornering. But when this part starts acting up, it’s not a cheap fix. Whether it needs repair or replacement, the differential can turn your wallet inside out.

    Why You Need an Extended Car Warranty

    Replacing or repairing these frighteningly expensive car parts could cost you a fortune if you’re unprepared. With dotsure.co.za’s extended car warranty, you could be protected from a financial nightmare on the streets of South Africa.

    So, keep the horror stories where they belong — on Halloween and not in your repair bills! Get a quote online today.

  • 7 REASONS TO LOVE BLACK CATS

    7 REASONS TO LOVE BLACK CATS

    Back in Black: Meet The Bombay Cat

    Black cats often get a bad rap, but these sleek felines are full of charm and beauty. Among them, the Bombay cat stands out as a breed that exclusively has a black coat. Here are a few reasons to fall in love with the Bombay (as if you needed any ?).

    A miniature panther in your home

    Bred in the U.S. in 1953, the goal was to create a domestic cat that resembled the black leopard of India. This was achieved by crossing the Burmese and American Shorthair, resulting in the exotic looking Bombay.

    Loving personalities

    Unlike the stereotypically independent cat, the Bombay craves human attention. They’re highly sociable, not just with their owners but also with guests, kids, and other pets.

    Easy to care for

    The Bombay’s short, glossy coat is as low maintenance as it is beautiful. With a quick weekly brushing, their fur will gleam like patent leather. They also shed very little, so you won’t constantly be cleaning up after them.

    Dog-like behaviour

    Like many other cat breeds, the Bombay has a playful and energetic personality. What sets them apart, is their trainability. Their intelligence and eagerness to engage with humans give them dog-like qualities.

    Gorgeous golden eyes

    One of the most striking features of the Bombay cat is its eyes. Their deep, golden or copper eyes create a mesmerising contrast against their jet-black fur. It’s no wonder black cats are often associated with magic, they’re simply spellbinding to look at.

    The all-black aesthetic

    Not only is their fur pitch black, but their noses, paw pads, and whiskers are all black as well. This look adds to their mystique and beauty, making them a standout amongst other felines.

    Health advantages

    Some research suggests that black cats may have evolutionary advantages regarding disease resistance. While more studies are needed, this could be yet another reason to love these dark-coated beauties.

    Sadly, black cats are often the last to be adopted from shelters due to lingering superstitions. But these misconceptions couldn’t be further from the truth. The only unlucky thing about black cats is missing out on the chance to welcome one into your life!

  • INSURANCE AND YOUR MENTAL HEALTH

    INSURANCE AND YOUR MENTAL HEALTH

     

    Peace of Mind Starts with Good Insurance

    Ever found yourself overwhelmed by a sudden car breakdown or an unexpected overnight vet visit? October is Mental Health Awareness Month, and at dotsure.co.za, we understand that life’s curveballs can impact more than just your wallet—they can affect your mental well-being, too. Having the right insurance for your business, home, cars, or pets can ease some of that mental burden. Here’s how having good insurance can make a difference.

    How Insurance Impacts Your Mental Health

    Reduces Financial Anxiety

    One of the most significant stressors in life is money—especially when it comes to unexpected costs. If your car breaks down or your pet needs an overnight visit to the vet – without insurance, these expenses can hit hard. But with dotsure.co.za’s flexible and extensive insurance options, you can avoid the anxiety and financial strain, knowing you are covered.

    Your Safety Net

    Insurance provides a crucial safety net. Whether you were in a car accident or your home was broken into – you won’t be left scrambling to pick up the pieces. Insurance can be a life-saving safety net that can make all the difference to your mental well-being.

    Peace of Mind

    Without insurance, the fear and worry of the unknown can weigh heavily. When you’re insured, you’re assured to rest easy knowing that you’re covered no matter what happens. This peace of mind lets you focus on the things that matter most—your family, work, and well-being.

    Supports Wellness

    Being insured doesn’t just help in a crisis—it can also support your overall wellness. Some insurance policies, like our Superior and Ultimate Pet Plans, even cover wellness visits, and our Smart-Driving App offers a discount on your car insurance premium for better driving habits. As SA’s #1 Insurer***, we promote a healthier, more balanced life for you and your loved ones.

    Take the Stress Out of the Equation

    While life can be unpredictable, that doesn’t mean your mental health has to suffer. Our purpose is to provide our fans with Soft Landings. With comprehensive insurance from dotsure.co.za, you can protect yourself from these uncertainties, giving you one less thing to worry about.

    The bottom line is this: Taking care of your mental health is just as important as taking care of your car, home, or pets.

     

    **Voted SA’s #1 Pet insurer 2023/2024. The Star, Die Burger, Beeld, City Press

  • THE ULTIMATE GUIDE TO NAMING YOUR RIDE

    THE ULTIMATE GUIDE TO NAMING YOUR RIDE

     

    How to Pick the Perfect Name for Your Car

    2 October is International Name Your Car Day, so we thought we’d give you the ultimate guide to help name your ride. Whether you’ve just got a new car or your current vehicle is nameless (shame, man), your travel buddy deserves to be named!

    Why Name Your Car?

    Your car is so much more than just a machine on wheels. It has personality, it’s unique, and it’s an extension of who you are. Together, you and your car will take on the open road, from family trips to snack runs, from first dates to last goodbyes. Our vehicles carry our story, and all stories must have a name! So, here are our top tips for picking the perfect name for your car.

    Consider the Personality

    As we have mentioned above, your car has a personality too. Is yours fast and sleek, slow and steady, big and chunky? Think about how your car drives, if it’s second-hand – where it came from, and consider its quirks or even its colour! A vibrant red sports car might need a name such as “The Flash”, or a hard-working bakkie could be called “Kaptein”. But get creative. Someone named their new Fortuner “Pamela” because of the big headlights… 10/10 score from us.

    Consider your ride’s personality for inspiration, too. If your car reminds you of Dobby from Harry Potter or Marceline from Adventure Time, go for it!

    Consider what you’ll be using it for

    What do you plan on doing in your car? Is it a workhorse or the school carpool, or are you heading for outdoor adventures? Try matching the name to those activities. If you plan to go on many camping trips, you could try “Marshmallow” or “Happy Camper”. If you’re going to be using your car for picking up the kids, you could try “Munchkin Express”, or if you’re using it for business, “Boss Diva”.

    Keep it Simple

    Finally, you want other people to understand your car’s name. Plus, you’ll use this name often, so make sure it rolls off the tongue. Short and punchy is the way to go, so steer clear of anything too complicated such as “The Grand Turbo-Transporter 500”— try saying that five times fast!

    Be Creative

    Let your imagination do its thing. No matter what name you choose, the most important thing is that it makes you smile.

    Speaking of names…  Name Your Price™ car insurance from dotsure.co.za will protect your car, no matter what you call it.

  • HOW PETS IMPROVE MENTAL HEALTH

    HOW PETS IMPROVE MENTAL HEALTH

     

    Ways Pets Enhance Our Lives

    A pet parent knows that the bond with their furry friend goes beyond just companionship. While not everyone may get it, science backs up what many of us already feel: pets are good for us! Their unconditional love and companionship provide emotional support and can be a powerful motivator on difficult days.

     

    Psychological benefits

    Pets have a remarkable ability to boost mental health, especially with regard to battling depression and anxiety:

    • Alleviating symptoms

    The simple act of petting an animal can calm the mind and elevate the mood.

    • Providing comfort

    Pets are often used in therapy, particularly for trauma recovery. Their presence can make it easier to manage overwhelming emotions.

    • Encouraging routine

    Having a pet can add structure to your day, which can be incredibly beneficial when managing mental health challenges.

     

    Physical health perks

    Spending time with pets can improve your overall well-being in some surprising ways:

    • Lowering stress hormones

    Interaction with pets has been shown to lower cortisol levels.

    • Boosting heart health

    Pet parents have a lower risk of heart disease. In fact, people with pets tend to have lower blood pressure and cholesterol levels.

    • Encouraging physical activity

    Pets help to keep you active. Walking or playing with a pet increases your daily physical activity.

     

    Social connectors

    If you spend much time alone, having a pet can offer sincere companionship:

    • Easing loneliness

    Pets can help prevent feelings of isolation, particularly for people who live alone or work from home.

    • Breaking the ice

    Pets often help to start conversations between pet enthusiasts.

    • Increasing empathy

    Caring for a pet fosters patience and empathy, which can also help improve your relationships with others.

     

    The next time you’re cuddled up with your furry friend, remember that they’re not just there to look cute. Having a bond with an animal can improve your life in many ways. So, why not return the favour? Protect your heart-warming pets with wholehearted pet insurance.

  • ELECTRIC CARS & THE INSURANCE INDUSTRY

    ELECTRIC CARS & THE INSURANCE INDUSTRY

     

    How is Insuring an Electric Car Different

    Electric vehicles (EVs) are becoming the future of transportation, but how do they fit into the world of car insurance? Whether you’re already driving an electric car or considering switching, it’s essential to understand how to insure the vehicles of tomorrow.

    Traditional vs Electric Cars

    At first glance, you might assume that insuring an electric car is the same as insuring a petrol or diesel car, but there are a few differences to keep in mind.

    Higher Repair Costs

    EVs may require specialised parts and expertise if something goes wrong, resulting in higher repair costs. Components such as the battery, electric motor or even the vehicle software can be more expensive to fix than traditional cars. That’s why it’s essential to have an insurance plan that specifically covers these high-tech parts.

    Battery Coverage

    The heart of your electric vehicle is its battery, which is one of the most critical (and costly) components to insure. Ensure that your insurance covers the battery, especially since wear and tear or damage can be pricey.  dotsure.co.za’s Name Your Price™ car insurance offers customisable plans so you can choose the coverage that fits your EV’s specific needs.

    Eco-Friendly

    Research shows that electric cars can help reduce your carbon footprint. Transportation accounts for around one-fifth of the world’s CO2 emissions and nearly 75% come from road vehicles. This means electric cars are better for the planet than traditional vehicles..

    Are you considering an Electric Vehicle? Here are our top 5 affordable electric cars you can buy in SA. Plus, dotsure.co.za Name Your Price™ car insurance is 100% paperless and perfect for your eco-friendly car.

    Cost Considerations

    When considering the cost of insuring an EV, there are some advantages. Surprisingly, electric vehicles (EVs) can be cheaper to insure than traditional cars. With fewer moving parts and advanced safety features such as emergency braking and blind-spot monitoring, insurers see EVs as lower-risk vehicles. Because they have shorter driving ranges, you may not use them as much, which can also trim your premium.

    However, their higher retail value and battery costs can drive premiums up. Ultimately, researching and comparing car insurance quotes is vital to finding the best insurance for your EV.

    Car Insurance for Tomorrow

    So, while there are many differences between insuring an electric vehicle and a traditional vehicle, the conclusion is clear: you need insurance that can adapt to this ever-changing technology.

    Consider SA’s #1 insurance for your EV – Get a quote online today.