Category: Car Insurance

Overall car insurance related questions asked.

  • Not animal blog

    Not animal blog

    If you’ve ever seen a photo of a Lykoi cat, you might have thought it walked straight out of a Halloween movie. Nicknamed the “werewolf cat”, this rare and fascinating breed has captured attention worldwide with its unusual coat and mysterious charm. While their looks are striking, caring for any rare breed means extra consideration. So, having pet insurance in place can help you manage the unexpected. 

    RELATED: TOP 5 RAREST CAT BREEDS IN SOUTH AFRICA 

    Getting to Know the Lykoi Cat Breed 

    The Lykoi is a relatively new discovery, first recognised in the early 2010s. Unlike designer crossbreeds, the Lykoi’s appearance stems from a natural genetic mutation affecting their hair follicles. They earned the spooky nickname of “werewolf cat” thanks to their patchy coat and intense, golden eyes. Their partial hair coverage gives them a scruffy, mid-transformation look, which appears perfectly wolfish without a full moon in sight. 

    Lykoi Pronunciation and Origin   

    Wondering how to say it? The word Lykoi is pronounced “lie-koi”. It comes from the Greek word lykos, meaning “wolf.” The breed originated in the United States when breeders noticed a unique pattern in feral domestic shorthair cats. 

    Lykoi Cat Traits and Personality 

    Lykoi cats are medium sized with lean, athletic bodies. Their coats are typically a mix of black and white, often referred to as “roan.” Some may look nearly hairless in certain patches, which can change throughout their life. 

    Are Werewolf Cats Hypoallergenic? 

    Unfortunately, no. Like most cats, they produce allergens in their saliva and skin oils, which can still trigger reactions. However, their thinner coat may slightly reduce the spread of allergens compared to fluffier breeds. 

    Temperament and Behaviour 

    Despite their “wild” appearance, Lykoi cats are gentle, intelligent, and playful. They’re often described as dog-like in their loyalty, following their humans from room to room. 

    Most Lykoi cats bond closely with their families but may be cautious around strangers. They usually get along well with other cats and even dogs, provided proper introductions are made. 

    How to Care for a Lykoi 

    A balanced, high-protein diet supports their active nature. Because of their coat, they can be more sensitive to temperature extremes. Consider pet sunscreen or shade in hot weather, and cosy spots in winter. Regular vet visits and cat insurance are essential to cover unexpected health issues. 

    A Unique Pet for the Right Home 

    The Lykoi cat isn’t for everyone, but for the right household, they bring endless fascination and affection. Their wolfish charm is balanced by a sweet, people-oriented personality, proof that looks can be deceiving. 

    If you’re considering adding a rare breed like the Lykoi cat to your family, make sure you’re ready for the commitment. And don’t forget the practical side: having pet insurance gives you peace of mind when caring for such a unique cat. At dotsure.co.za, we understand that extraordinary pets deserve extraordinary care. Ready to learn more? Contact us today!

  • UNWRITTEN ROAD RULES FOR FEMALE DRIVERS IN SOUTH AFRICA

    UNWRITTEN ROAD RULES FOR FEMALE DRIVERS IN SOUTH AFRICA

     

    Sure, the official road laws matter. But let’s be real. Experience has taught us a few unwritten road rules that every female driver in South Africa should know.

    Another safety rule you shouldn’t skip: Game-changing car insurance from dotsure.co.za. Get a quote online or contact us today for more information.

     

    Road Safety Tips for Women Drivers

    We all know these ones: buckle up, keep your doors locked, and stay alert. But here are the tips you should drive by:

    • Keep your phone charged

    A dead phone means no Google Maps, emergency calls, or live location sharing.

    • Fuel up before driving late at night

    Avoid stopping at deserted petrol stations.

    • Plan your routes

    If possible, stick to main roads and skip the shortcuts through poorly lit or quiet areas.

     

    The Unwritten Rules for Staying Safe While Driving Alone

    Ladies, we know you know these unofficial road rules:

    • Stop streets after dark don’t count

    It’s an unwritten rule amongst all females: If it’s after 21:00 and there’s no traffic, we slow down, check our surroundings, and keep moving cautiously.

    • Not pulling over for strangers or ‘broken down’ cars

    If we feel something’s off, we drive off. It’s not that we don’t want to help or can’t help; it’s that we know better.

    • Parking smart

    Women always choose well-lit areas near entrances, and if there’s a camera or security guard nearby, that parking spot gets bonus points.

    • Leaving space at traffic lights or in traffic

    There will always be a safe gap from the car in front. It doesn’t matter if we are in a rush or in traffic; that gap is there just in case we need to drive off quickly.

     

    RELATED: FUNNY SOUTH AFRICAN DRIVING LAWS: THE UNWRITTEN ROAD RULES

     

    Safety Apps for Female Drivers

    Here are a few apps and features every woman driver should know about:

    • Waze: So much more than a navigation app. It is great because users can plot where they’ve spotted an abandoned vehicle, heavy traffic, or police. That way, we can see what’s happening on the road before getting there.
    • WhatsApp Live Location: Share your live location with a trusted contact so that they can track where you are on your trip.
    • MySOS: Great for quick access to local emergency numbers and medical help.
    • Life360: A family safety and location-sharing app that helps users stay connected and informed about their loved ones’ whereabouts and activities.

    Our Top Tip: If you’re meeting someone or heading somewhere unfamiliar, always send your ETA to a friend or family member

     

    Safe Driving Advice for Women in SA

    The thing is, no matter how careful you are, the road is unpredictable. Accidents and theft happen. While these unwritten road rules can keep you safe, dotsure.co.za car insurance can keep your savings secure.

    Get a personalised quote today or contact us for more info.

  • ARE ASIAN CAR BRANDS CHANGING THE GAME IN SOUTH AFRICA?

    ARE ASIAN CAR BRANDS CHANGING THE GAME IN SOUTH AFRICA?

     

    In recent years Asian car brands have gained serious traction in South Africa. These vehicles are becoming top contenders for drivers who want value without compromise. And with so many new models on offer, it’s more important than ever to ensure you’re protected with the right car insurance.

     

    RELATED: TOP INSURED CAR BRANDS IN SA

     

    Chinese Car Brands

    Once met with skepticism, Chinese cars in South Africa are proving their worth in quality, design, and reliability.

    BYD

    Short for “Build Your Dreams”, BYD is revolutionising the EV market. Its Atto 3 has already made a splash globally and is now available in South Africa, offering an electric driving experience at a competitive price.

    NIO

    Although not officially launched locally, NIO’s buzz in the global EV space is undeniable. Known for its sleek designs and battery-swapping innovation, this Chinese brand could soon shake up South Africa’s premium EV sector.

    Geely

    Geely’s quiet rise is turning heads. With ownership stakes in Volvo, Lotus, and Proton, Geely delivers stylish and high-quality vehicles like the Coolray, already available in some markets.

    GWM

    Already a well-known name, GWM (Great Wall Motors) and its Haval sub-brand are surging in popularity. The P-Series bakkie and H6 SUV have been standout performers, offering both durability and modern tech.

     

    Japanese Car Brands

    Japanese car brands have long been a staple in South Africa for their dependability and lower maintenance costs.

    Toyota

    An all-time favourite, Toyota continues to dominate local sales charts with models like the Hilux, Fortuner, and Corolla Cross. Their balance of reliability and resale value is tough to beat.

    Honda

    Honda cars, such as the Ballade and HR-V, are practical and efficient with a reputation for longevity. Ideal for daily commuters and families, Honda is a quiet achiever on our roads.

    Nissan

    Nissan’s Navara, Qashqai, and Magnite bring strong design and innovation to the SUV and crossover market. With local manufacturing and solid dealer support, Nissan remains a dependable option.

    Subaru

    For drivers who love adventure, Subaru offers all-wheel-drive performance with models like the Forester and Outback. Known for their safety and handling, they’re a niche favourite with loyal fans.

     

    South Korean Car Brands

    Cars from South Korea are proving you don’t have to sacrifice style for substance.

    Hyundai

    Hyundai’s Tucson, i20, and Creta are packed with features that punch above their price range. With long warranties and a reputation for reliability, Hyundai is a strong contender in every segment.

    Kia

    Kia has transformed from budget brand to style leader. The Sonet, Seltos, and Sportage offer youthful flair and comfort, making them popular choices amongst urban drivers.

    Genesis

    Genesis, Hyundai’s luxury arm, isn’t yet widely available in South Africa, but the buzz is building. Known for world-class interiors and premium features, Genesis could soon challenge luxury wheels on local soil.

     

    Indian Car Brands

    Indian car brands have been gaining momentum in South Africa for several years now, offering affordability and ruggedness that suit local needs.

    Tata Motors

    Tata has long been known for commercial vehicles, but its passenger cars are becoming more refined. With budget-friendly options like the Tiago, Tata appeals to first-time buyers and value-seekers.

    Mahindra

    Mahindra has earned its place in the local market with the Scorpio-N SUV and Pik Up bakkie. Built for durability, Mahindra’s vehicles are especially popular in rural and off-road applications.

    Maruti Suzuki

    Maruti Suzuki powers many of the Suzuki models sold in South Africa, including the Swift and Dzire. Known for fuel efficiency and easy maintenance, they’re ideal for urban life and tight budgets.

     

    Ready to Hit the Road?

    Make sure your trusted ride is backed by insurance you can count on. dotsure.co.za offers customisable car insurance options (with exclusive benefits) to suit your lifestyle.

    Thinking of switching? Contact us today, and let’s get you on the road!

  • HOW TO AVOID CAR THEFT IN SOUTH AFRICA

    HOW TO AVOID CAR THEFT IN SOUTH AFRICA

     

    Car theft is a growing problem in South Africa. No car, regardless of make or model, is completely immune. With syndicates getting smarter and theft methods more sophisticated, it’s essential to take proactive steps to protect your vehicle. While practical precautions go a long way, having reliable car insurance is essential in case the worst happens.

     

    RELATED: DOES INSURANCE COVER HIJACKING?

     

    Why South African Car Theft Is a Growing Concern

    South Africa continues to experience high rates of vehicle theft. According to crime statistics, thousands of cars are stolen each year, many of which are never recovered. Whether for illegal resale, parts stripping, or cross-border smuggling, stolen vehicles are in high demand. It’s not just luxury SUVs or bakkies that are targeted. Everyday cars used for school runs or commutes are also on the hit list.

     

    Key Risk Factors That Make a Car a Theft Target 

    What makes a car a target? Thieves typically go for vehicles that are:

    • Easy to break into or start without detection
    • Parked in poorly lit or isolated areas
    • High in resale value or parts demand
    • Frequently driven models, which blend into traffic
    • Lacking visible or audible anti-theft deterrents.

     

    Practical Tips on How to Prevent Car Theft

    Use Anti-Theft Devices

    Popular options include steering wheel locks, gear locks, immobilisers, alarm systems, and GPS trackers. Many criminals will move on if they see even one of these installed, especially devices that are visible from outside the vehicle.

    Avoid Parking in High-Risk Areas

    Always aim to park in well-lit, secure, and monitored areas. If possible, choose parking spots covered by CCTV or patrolled security. Avoid leaving your car in the same public spot overnight, and try to vary your parking habits to avoid being monitored by syndicates.

    Don’t Leave Valuables in Sight

    A handbag, phone, or laptop bag left on the seat (even if empty) can tempt thieves to break in. Always lock away valuables in the boot or take them with you. Smash-and-grab crimes are a major contributor to vehicle damage and theft.

    Lock Up. Always

    It sounds basic, but how do you prevent car theft? Start by locking your car, even if you’re stepping away for just a minute. Be aware of remote jamming and always confirm that your car is locked by physically testing the door handle before walking away.

     

    How Anti-Theft Tech Can Help

    Today’s technology offers drivers more tools than ever before to protect their vehicles. Real-time tracking devices can help you and authorities recover a stolen car faster. Some systems allow remote shutdown of the vehicle, while dash cams with parking mode can act as a deterrent and evidence collector.

    Here’s a bonus: dotsure.co.za car insurance includes the installation of a state-of-the-art telematics device by Netstar. This smart system notifies you when entering unfavourable areas, and offers quick access to our emergency line, amongst other benefits.

     

    What to Do if Your Car Gets Stolen

    If your car is stolen:

    1. Report it to the SAPS immediately with your vehicle’s details.
    2. Notify your car tracker company (if installed) for immediate action.
    3. Contact your insurance provider to start the claims process.
    4. Alert your bank if your car is financed.

    Acting quickly increases your chances of recovery and smooths the insurance claim process.

     

    How Car Insurance Helps After a Theft

    Even the best precautions aren’t foolproof. That’s why comprehensive car insurance is essential. It covers theft, damage caused during attempted theft, and other risks such as hijacking or malicious damage.

    At dotsure.co.za, we offer customisable car insurance designed to keep you covered when it matters most.

    Need help protecting your car? Contact us today, or simply hop online to get a quote!

  • WHERE TO START WHEN IT’S TIME FOR A NEW CAR

    WHERE TO START WHEN IT’S TIME FOR A NEW CAR

     

    We’ve all been there. Your trusty ride starts sounding a bit rough, repairs are getting more frequent, and the fuel bill is starting to feel personal. When you decide it’s time for a new car, the next steps can become overwhelming. For many South Africans, the decision involves affordability, safety, and lifestyle. And yes, that means getting car insurance, too.

     

    At What Point Is It Time for a New Car?

    Your car needs to take you from point A to B, safely. If it seems like it can’t do that anymore, it’s time to say goodbye.

    Weighing Repair Costs vs Long-Term Reliability

    Issue

    What it Could Mean

    Frequent, costly repairs

    Your car might be more expensive to maintain than it’s worth.

    One major repair (gearbox, engine) costs more than half the car’s value.

    Time to consider an upgrade.

    Unreliable starts

    Your vehicle may no longer be roadworthy or safe.

    Outdated safety features

    Newer models offer better protection for you and your passengers.

    Poor fuel economy

    You’re spending more than you need to every month.

    Persistent check engine light

    Something could be seriously wrong under the hood.

     

    RELATED: SIGNS YOUR CAR IS NOT ROADWORTHY

     

    What to Do First When Getting a New Car

    So, you’ve decided to take the plunge. Great! But before you run off into the sunset with a shiny new set of wheels, here’s where to start.

    Setting a Realistic Budget

    Remember to factor in the costs of fuel, insurance, maintenance, licensing fees, and potential finance charges. Don’t forget to look at the total cost of ownership, not just monthly instalments.

    Researching Models That Fit Your Needs

    Do you need boot space for kids and groceries? Or something compact for city traffic? Compare makes, models, and reviews. Keep reliability, resale value, and the service network in mind.

     

    RELATED: HIDDEN COSTS OF CAR OWNERSHIP

     

    What Is the Best First Car in South Africa?

    Buying your first car? Start here.

    Top Picks for Safety and Affordability

    South Africans love budget-friendly hatchbacks that still pack a punch. Models such as the Suzuki Swift, Toyota Starlet, VW Polo Vivo, and Renault Kwid are top contenders thanks to their reliability, safety ratings, and affordable running costs.

    Matching Your Car Choice to Your Lifestyle

    City drivers might prioritise fuel economy and compactness, while off-roaders and road-trippers might need something tougher. Whatever your vibe, there’s a car that fits it (and your budget).

     

    How Does Car Insurance Work When Buying a New Car?

    When you buy a new car, you’ll need to insure it before driving it off the lot (especially if it’s financed). You can usually transfer your current policy or take out a new one altogether.

    Your premium will depend on the car’s value, your driving history, where you live, and whether you install any added tech like trackers.

     

    Make the Move with Confidence

    There’s no shame in saying goodbye to your old car. It served you well. But if it’s costing more than it’s worth, compromising your safety, or just no longer suits your needs, it might be time to upgrade.

    When you’re ready to hit the road in something new, don’t forget to sort out your cover. Visit dotsure.co.za to get a quick quote, or contact us for help.

     

    RELATED: NEW VS USED CARS

  • DRIVING CAPTIONS FOR INSTAGRAM-WORTHY ROAD TRIPS

    DRIVING CAPTIONS FOR INSTAGRAM-WORTHY ROAD TRIPS

     

    There’s nothing quite like hitting the open road with your favourite playlist and the perfect view unfolding before you. The memories you make on a road trip deserve to be shared, and what’s a great post without the perfect caption? Here’s your guide to driving captions for Instagram that will elevate your feed.

     

    RELATED: THERAPEUTIC DRIVING QUOTES

     

    Instagram Driving Captions for Every Mood

    No matter your vibe: Chill, adventurous, or reflective. These captions match every mood behind the wheel.

    • “Left the city, found my peace.”
    • “Some paths can’t be discovered without getting lost.”
    • “Currently somewhere between where I was and where I want to be.”
    • “If you need me, I’ll be on the road… probably lost, but vibing.”
    • “This is what freedom feels like.”

     

    Short Unique Travel Quotes for Your Feed

    A punchy caption can speak volumes, especially when it’s paired with breathtaking views and your best road trip buddy. These quotes are perfect for quick uploads or stories:

    • “Gas tank full, heart fuller.”
    • “Not all those who wander are lost… some just forgot the map.”
    • “Adventure begins where plans end.”
    • “Drive. Discover. Repeat.”

     

    Long Drive Quotes for the Wanderlust Soul

    Some journeys are so scenic and soul-filling, they call for captions that dig a little deeper.

    • “It’s not about the destination. It’s about the road that gets you there, the people in the passenger seat, and the stories you collect on the way.”
    • “Long drives are therapy sessions, where the road listens, the music speaks, and the scenery heals.”
    • “With each mile, I feel lighter. Like the road is peeling away the weight of routine.”
    • “The best kind of escape is one where the horizon keeps moving, and the past fades in the rearview.”

     

    Funny Driving Captions to Lighten the Road

    Who says road trips have to be serious? Add a little humour to your journey with these captions that’ll have your followers double-tapping:

    • “I take the scenic route… mostly because I missed the turn.”
    • “Powered by snacks and questionable navigation.”
    • “Keep calm and avoid potholes.”
    • “This isn’t a road trip. It’s a ‘turn up the volume and hope we don’t run out of snacks’ tour.”
    • “Road trips: where you get to know your friends too well.”

     

    Late Night Driving Captions

    There’s something magical about the stillness of a late-night drive. These captions reflect the calm, the mystery, and the glow of headlights on an empty road:

    • “City lights in the rearview, stars ahead.”
    • “Late-night drives and even later thoughts.”
    • “Headlights on, world off.”
    • “Nothing but us, the road, and moonlight.”
    • “When the road is quiet, the soul speaks loudest.”

     

    Smart Drivers Behind Scenic Shots

    While you’re planning your next scenic escape, don’t forget to gear up with the right protection too. A reliable car insurance plan helps ensure that detours and surprises stay on the fun side of your trip.

    For more ways to protect your car (and your Instagram-worthy adventures), visit dotsure.co.za or contact us today.

  • DO’S & DON’TS: HOW TO DEFROST A CAR WINDSCREEN

    DO’S & DON’TS: HOW TO DEFROST A CAR WINDSCREEN

     

    When winter bites, few things are more frustrating than facing a frozen windscreen when you’re already running late. But beyond the inconvenience, not defrosting your windscreen properly can shatter any prospects for having a good day. Preventable damage or accidents linked to poor visibility could influence your car insurance claim. That’s why it pays to know the right way to handle those frosty mornings.

     

    Why Windscreen Defrosting Matters 

    Safety Implications of Poor Visibility

    Driving with a partially defrosted windscreen can limit your vision and increase your risk of an accident. Obstructed views can prevent you from spotting hazards, pedestrians, or even other vehicles. Driving with impaired visibility is not only dangerous, but can also be seen as negligent, potentially affecting the outcome of insurance claims if an accident occurs.

     

    How to Defrost a Car Windscreen Properly 

    Step-by-Step Defrosting Guide:

    1. Start the car and turn on the heater. Set it to defrost mode and gradually increase the temperature.
    2. Turn on the rear window defroster. Most cars have a button for this. Let it run while the engine warms up.
    3. Use the air conditioning. This may sound odd in winter, but it helps to remove moisture from the air inside the car and prevents fogging.
    4. Gently scrape the ice. Use a plastic scraper or credit card to carefully remove ice as it starts to soften.

    Using Hot vs Cold Air

    Always start with cool or lukewarm air and slowly increase the temperature. Blasting hot air can cause the windscreen to crack due to thermal shock.

    Best Tools and Products

    Tool

    Description

    Plastic ice scrapers

    Durable and safe for glass.

    DIY de-icing spray

    Rubbing alcohol and water (1:1 ratio).

    Windscreen covers

    Great for preventing frost in the first place.

     

    Common Defrosting Mistakes to Avoid

    Why Pouring Water is Risky

    It’s tempting to grab a kettle, but pouring hot water on a frosty windscreen can cause the glass to crack instantly.

    Myths vs Facts: Boiling Water, Vinegar, and Salt

    • Boiling water: Too risky; avoid completely.
    • Vinegar mix: Can damage the glass or surrounding rubber seals over time.
    • Salt water: While it can melt ice, salt is corrosive and may harm your paintwork and wiper blades.

     

    Tips to Prevent Frost Buildup

    Night-Before Preparation Tips

    • Park your car facing east so the morning sun naturally warms the windscreen.
    • Keep your wiper blades raised to prevent them from sticking to the glass.

    How to Cover Your Windscreen

    • Use a windscreen cover or even a towel or sheet of cardboard to block the frost from forming.
    • In a pinch, a plastic bag or garbage bag can do the trick. Just secure it properly to avoid it flying off in the wind.

     

    Protect Your View

    For added peace of mind this winter, make sure your car insurance is up to the task. dotsure.co.za offers comprehensive cover with customisable options to suit your lifestyle.

    Need help or want to upgrade your policy? Contact us today.

     

    RELATED: CAR PARTS THAT FAIL DURING WINTER; TIPS FOR WINTER CAR CARE

  • HOW TO USE A TRAFFIC CIRCLE IN SOUTH AFRICA

    HOW TO USE A TRAFFIC CIRCLE IN SOUTH AFRICA

     

    Knowing how to use a traffic circle properly can keep you (and your car) out of trouble. Yes, it’s about good manners, but it’s also about staying safe, avoiding costly repairs, and reducing your risk of a motor insurance claim. Yet, despite how common they are, traffic circles still leave many drivers going in circles.

     

    RELATED: TRAFFIC LAWS DRIVERS MISUNDERSTAND

     

    Mini Traffic Circles (Single Lane)

    These are the smaller roundabouts you’ll typically find in residential areas or quiet intersections. There’s only one lane, and everyone must yield to the right.

    Taking the First Exit (Turning Left)

    • Signal left before you enter
    • Yield to any vehicles already in the circle approaching from your right
    • Stay alert for pedestrians

    Taking the Second Exit (Going Straight)

    • Don’t signal as you approach
    • Yield to vehicles from the right
    • Signal left after you pass the first exit
    • Exit smoothly and cautiously

    Taking the Third Exit (Turning Right)

    • Signal right as you approach
    • Yield to the right
    • Signal left after the second exit and leave the circle carefully

     

    Double-Lane Traffic Circles

    These are more complex, often found at busier intersections with higher traffic volumes. The double lane traffic circle rules are all about correct lane choice and signalling.

    Taking the First Exit (Turning Left)

    • Approach in the left lane
    • Signal left
    • Stay in the outer lane and exit at the first opportunity

    Taking the Second Exit (Going Straight)

    • You may use either the left or right lane unless road markings say otherwise
    • Don’t signal on approach
    • Signal left only after you’ve passed the first exit

    Taking the Third Exit (Turning Right)

    • Approach in the right lane
    • Signal right
    • Stay in the inner lane until past the second exit
    • Signal left and switch carefully to exit

    Tip: Always check for painted arrows and lane markings. They often give you helpful clues about which lane to use.

     

    FAQs About Traffic Rules for Roundabouts

    Is it illegal to turn around on a mini roundabout?

    No, it’s not illegal, but it must be done safely. U-turns are technically allowed unless prohibited by signage. Make sure you yield and indicate properly.

    Is it illegal to go around a traffic circle multiple times?

    Nope. There’s no law against circling a roundabout more than once. Just ensure you’re not obstructing traffic or confusing other drivers. A few spins while looking for your exit? Legal. Joyriding in circles? Risky.

    When entering a multi-lane roundabout, do you only need to yield to vehicles in the closest lane?

    False. You must yield to all traffic already in the circle, regardless of which lane they’re in. Double-lane roundabouts require extra vigilance. Look out for lane changes and blind spots.

     

    Stay in Your Lane. Stay Safe

    Mastering the rules of the road means smoother driving and fewer surprises. While good driving habits reduce your risk, accidents can still happen. At dotsure.co.za, we offer car insurance that helps you handle the unexpected.

    Want more info? Contact us today, we’re always happy to help!

     

    RELATED: UNWRITTEN ROAD RULES

  • THE TOP INSURED CAR BRANDS IN SA

    THE TOP INSURED CAR BRANDS IN SA

     

    Do you ever wonder what your car says about you? Well, it might also say something about your car insurance premium. So, we’ve taken a peek under the hood at SA’s top insured car brands to uncover the popular rides Mzansi loves protecting. 

    RELATED: THE FASTEST AND MOST FURIOUS CARS OF 2025 

     

    Why These Car Brands Dominate South Africa’s Insurance Market 

    Car insurance trends in SA follow a few golden rules: affordability, availability of parts, resale value, and of course, popularity. Basically, if your car ticks those boxes, it’s likely to be cheaper to insure and more likely to appear on this list. 

     

    Toyota: South Africa’s Most Insured Car Brand 

    Why do so many South Africans insure Toyotas? 

    Toyota has earned its rep as South Africa’s go-to brand for value, reliability, and durability. With repair parts that are widely available and resale values that hold steady, Toyota car insurance tends to be simpler and more affordable. 

    Popular Toyota models South Africans insure:

    • Toyota Hilux
    • Toyota Corolla
    • Toyota Yaris

     

    Volkswagen: Reliable and Widely Insured

    Why Volkswagen models are a popular choice for cover 

    Volkswagens are all over the roads in South Africa. They’re reliable, widely serviced, and stylish without breaking the bank. And because of their popularity, they’re up there amongst the most insured. 

    Best VW’s to insure:

    • VW Polo Vivo
    • VW T-Cross
    • VW Tiguan

     

    Suzuki: Affordable, Light on Fuel and Insurance-Friendly 

    Why insuring a Suzuki makes sense 

    Suzuki has become the underdog-turned-superstar in South Africa. Lightweight, easy to drive, and cheap to repair, car insurance for a Suzuki is typically very affordable.  

    SA’s top insured Suzuki cars: 

    • Suzuki Swift
    • Suzuki S-Presso
    • Suzuki Celerio

     

    Renault: Entry-Level Excellence 

    Renault Kwid insurance 

    The Renault Kwid has taken off amongst young drivers and first-time buyers. It’s compact, easy to park, and parts are becoming increasingly available, which makes Renault car insurance relatively affordable. 

    Other Renaults, such as the Clio and Duster, are also climbing up the road of popularity. 

     

    BMW: Premium Cars Worth Protecting 

    Why South Africans choose to insure their BMWs 

    BMW has advanced safety tech, strong resale value, and loyal fans. BMW car insurance in South Africa may be high because of their luxury status, but for many drivers, that peace of mind is worth the extra cost. 

    Top BMW cars insured in SA 

    • BMW 3 Series
    • BMW X3
    • BMW 1 Series

     

    What Makes a Car Popular to Insure in SA? 

    Affordability, Parts, and Resale Value 

    Cars with low running costs, widely available parts, and strong resale value tend to be cheaper to insure. That’s why so many of the cars on this list are compact, practical, and built to last. 

    RELATED: HOW INSURANCE COMPANIES CALCULATE YOUR PREMIUMS 

     

    Get a Car Insurance Quote That Matches Your Brand 

    Not all cars are created equal, and neither are their policies. Whether you drive one of these top insured car brands in SA or not, you deserve a car insurance plan that fits your budget and driving style. At dotsure.co.za, you can customise your cover with our Name Your Price™, and explore tailored options for your specific model. 

    Get a quote online or contact us today for game-changing car insurance you can count on! 

     

  • 5 TIPS FOR WINTER CAR CARE

    5 TIPS FOR WINTER CAR CARE

     

    South Africa’s winters might not bring blizzards and ice, but that doesn’t mean your car doesn’t need seasonal TLC. As temperatures drop it’s time to ensure your vehicle is prepared for the colder months. These winter car care tips will help keep you safe and ensure your vehicle performs at its best.

    Psst…! The real car care begins when you protect your ride. Explore our car insurance options and get a quote today.

     

    Check and Top Up Your Car’s Essential Fluids 

    Our winters may not freeze your engine block, but dips in temperature can still mess with your car’s fluids and performance. If you’re in Johannesburg, Bloemfontein, or other inland areas where morning temperatures drop below 5°C, this one’s especially for you. 

    Oil

    Cold air thickens oil, making it difficult for your engine to start and operate smoothly. Consider using a multi-grade or winter-specific oil that flows better in low temperatures.  

    Pro tip: Your mechanic can help with the right recommendation for your model. 

    Coolant

    Coolant (antifreeze) helps regulate engine temperature during short winter trips but doesn’t always warm your engine correctly. Ensure your car’s levels are good and the antifreeze ratio is spot on. 

    Windshield Washer Fluid

    A water-only mix can freeze on your windscreen or become ineffective. Use a washer fluid with alcohol or spirits added. It’s a popular little hack that works surprisingly well during frosty morning drives. 

    Fuel

    Keeping your tank full reduces condensation, which can lead to fuel line freeze-ups in colder regions. While the petrol and diesel prices may not be in our favour, it is a safe habit always to ensure your  vehicle’s tank is full because you never know when you’ll be stuck in a traffic jam or have to take a spontaneous long drive. 

    RELATED: HOW TO: SAVE FUEL WHEN DRIVING 

     

    Prep Your Tyres for Winter Roads 

    Rain, dew, and low sun angles often cause winter driving hazards, including blinding drivers during rush hour. Keeping your vehicle’s tyres in good condition is crucial for safe driving, especially in winter. 

    Tread Depth

    The legal minimum tread in South Africa is 1,6 mm, but anything below 3 mm drastically reduces traction in wet conditions. Smooth tyres are a big no, no matter what type of weather you’re driving in, and need to be replaced ASAP!  

    Tyre Pressure

    Cold air contracts, and you might lose tyre pressure overnight. Check it at least once a week, especially before early commutes. Low pressure affects braking and increases your fuel usage. 

    Winter Tyres

    While most South Africans don’t need full-on snow tyres, drivers in areas near the Drakensberg or some parts of the Free State should consider all-weather or winter-rated tyres. They improve grip and handling on icy or gravel roads. 

     

    Inspect Battery and Lighting Systems 

    Car batteries are more likely to fail in winter due to the increased demand on the starter to crank a cold engine. 

    Battery Health

    If your battery is over 3–4 years old, have it tested. Also, ensure the battery is clean and secure. Wipe the terminals with warm, soapy water to remove acid or dirt build-up, and ensure it is safely secured to prevent it from shifting. 

    RELATED: HOW LONG DO CAR BATTERIES LAST? 

    Lights

    Shorter days mean more driving in the dark or in low-light conditions. Ensure all your headlights, brake lights, and indicators are working. Clean the lenses or replace the covers to boost visibility if they are dirty or foggy. 

     

    Keep Visibility Clear

    Poor visibility can result from coastal fog or inland haze. This doesn’t just slow you down, it’s a safety risk. 

    Windshield Wipers

    Your wipers put in overtime in winter. Replace them if they’re streaky, noisy, or leave missed patches.  

    Windshield Condition

    Do you already have a chip from a flying stone thanks to your summer road trip? The winter cold can make it spread across the glass. Repair chips before they become cracks and compromise your visibility or your wallet. 

     

    Prioritise Safety and Emergency Preparedness 

    Brakes

    Damp, cold roads increase stopping distances. Ensure your vehicle’s brakes function correctly and have sufficient pad thickness. Have them inspected and replaced if necessary.  

    Car Washes

    It may sound wild, but winter is a great time to wash your car. Winter weather can be harsh on your car’s exterior. 

    • Regular Car Washes: Remove dirt and grime to prevent paint damage and rust. 
    • Wax Application: Apply a protective wax coating to shield your car from the elements. 

    Emergency Kit

    A local-ready emergency kit includes: 

    • Jumper cables 
    • Blanket 
    • Snacks and water 
    • Phone charger or power bank 
    • Torch with spare batteries. 

    You might also add gloves and a raincoat, because being stuck in a KZN downpour with a flat tyre is no joke. 

    RELATED: AFTER-HOURS EMERGENCIES ON THE ROAD, HOW TO JUMP-START A CAR 

    Engine Pre-Heating

    If you’re in the country’s colder regions, a block heater can help warm your engine before you start it. This reduces wear and improves fuel efficiency. 

     

    Are You up to Date with Your Winter Car Maintenance? 

    Being proactive about winter car care saves time, money, and stress. If you have any questions or need expert advice, contact us today at dotsure.co.za. You can also explore our car insurance options to learn more about how we can help you drive stress-free this winter. 

     

  • HOW TO: SAVE FUEL WHEN DRIVING

    HOW TO: SAVE FUEL WHEN DRIVING

    With fuel prices continuing to fluctuate in South Africa, finding practical ways to save on fuel when driving has become essential for every motorist. And just like comparing car insurance to cut monthly costs, small changes to your driving habits can result in big savings at the pump.

     

    Does Speeding Consume More Fuel?

    Yes, speeding significantly increases your fuel consumption. The faster you drive, the harder your engine has to work, and that extra effort burns more fuel. For example, driving at 120 km/h instead of 100 km/h can increase fuel consumption by up to 20%, depending on your vehicle.

     

    What Is the Best Speed to Save Fuel?

    The optimal fuel-saving speed varies depending on the vehicle, but most cars are at their most efficient between 60 to 90 km/h.

    Here’s a helpful illustration of how speed affects fuel consumption:

    Speed (km/h) Fuel Efficiency (l/100km)
    60 km/h 6,0
    80 km/h 6,5
    100 km/h 7,5
    120 km/h 9,0
    140 km/h 11,5

    (Values are general estimates and may vary by vehicle type.)

     

    7 Smart Driving Techniques That Help Save Fuel

    1. Maintain Steady Speeds: Fluctuating between fast and slow speeds forces your engine to work harder.
    2. Avoid Harsh Acceleration: Putting pedal to the metal can increase fuel consumption by up to 40% in stop-start traffic.
    3. Use Cruise Control Wisely: Cruise control can help maintain a consistent speed on flat roads. But driving uphill keeps your car in a lower gear for longer, using more fuel.
    4. Anticipate Stops: Instead of braking hard at the last second, ease off the accelerator early.
    5. Keep Tyres Inflated: Underinflated tyres increase rolling resistance, meaning your engine has to work harder to move the car. Check tyre pressure at least once a month.
    6. Limit Idling: Letting your engine idle for more than 30 seconds uses more fuel than turning it off and restarting it.
    7. Lighten Your Load: Excess weight puts extra strain on your engine. Remove unnecessary items from your boot, and remove roof racks when not in use.

    RELATED: TIPS FOR LOWERING YOUR CAR INSURANCE PREMIUM

    Don’t Fall for Fuel-Saving Myths

    Some fuel-saving tips floating around online simply don’t work, such as using premium petrol in a regular car or always running your tank to empty. Stick with proven, research-backed techniques for real savings.

     

    Become a Smart Driver

    dotsure.co.za‘s Smart Driver Programme is an added benefit on your car insurance policy that rewards safer, smarter driving. From car tracker insights to tailor-made cover, it’s a win-win for your car and your budget.

    RELATED: GET THE MOST OUT OF YOUR POLICY

  • 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!

  • 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!

  • 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!

  • 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!

  • 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!

  • 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 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!

  • 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!

  • 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.

  • 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!

     

  • 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!

  • 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.

  • 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.

  • 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.

  • 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.

  • HOW TO SAVE ON FRIGHTENING CAR INSURANCE PREMIUMS

    HOW TO SAVE ON FRIGHTENING CAR INSURANCE PREMIUMS

     

    Car insurance premiums don’t have to be scary!

    At dotsure.co.za, we believe that car insurance shouldn’t be a gamble. Why should you risk your finances and valuables when there are guaranteed ways to save? That’s why we’re here to show you how dotsure.co.za Name Your Price™ (NYP) car insurance can help you avoid those frighteningly high premiums while still getting the cover you need.

    As the insurer who cares the most, we are committed to making cover more affordable and flexible. Name Your Price™ allows you to tailor your insurance to fit your lifestyle, so you’re not paying for cover you don’t need. Here are seven clever ways to save with dotsure.co.za.

    20% Lifetime Discount

    We’re not tricking you — this is a treat! Sign up for a dotsure.co.za car insurance policy online and get a 20% lifetime discount. Click here for that sweet discount – save now.

    Glass Cover

    You’re not a fan of the open road or only use your car for quick trips around the burbs? By limiting your glass cover, you can reduce your monthly premium. While you won’t be covered for windshield or window damage, it’s an easy way to save if your car rarely faces the elements. And hey, you can always add it back later on via our convenient dotsure.co.za 24/7 Manage Portal.

    Night-Time Driving

    If night driving gives you chills, why pay extra for it? With Name Your Price™, you can remove the night-time driving cover if you’re more of a stay-at-home-after-dark person. Remember, this cover limitation means your vehicle won’t be protected for incidents that happen between 9 p.m. and 5 a.m.

    Monthly Mileage

    Do you want to be eco-friendly and save money at the same time? Driving less than 1 000 kilometres a month can activate the monthly mileage limitation, and you can enjoy lower premiums.

    Weekend Driving

    Did you know that during weekends there are more road accidents than any other time of the week? If you prefer staying home over the weekend, don’t pay for the cover you don’t use. Trim your premium by excluding weekend driving from 9 p.m. on Friday to 5 a.m. on Monday.

    Hail Cover

    If you don’t live or travel in areas that often see hailstorms, skip the hail cover and save some cash. But beware—without it, you won’t be covered for any damage from our unpredictable Mother Nature. But, if your area isn’t prone to golf ball-sized hailstones, this could be an easy way to reduce your premium.

    Driver Options

    Who’s driving your car? With dotsure.co.za, you can select from different driver options that impact your premium. Choose between a single driver, nominated drivers, or open driver policies. A single or nominated driver policy could save you more than an open driver policy.

    Related: dotsure.co.za Driver Options.

    With dotsure.co.za, Name Your Price™ car insurance doesn’t have to be frightening. It just has to be innovative.

     

  • MEN VS. WOMEN DRIVERS: WHO’S BETTER?

    MEN VS. WOMEN DRIVERS: WHO’S BETTER?

     

    Discover How Car Insurance Can Make Anyone a Better Driver

    The debate over whether men or women are better drivers has been ongoing for years. Last year, we settled it: women are, in fact, the better drivers. Thanks to groundbreaking data analysis, compelling evidence debunks the myth. The study revealed that female drivers are involved in fewer accidents, practice safer driving habits, are better at parking (yes, even parallel parking) and thus have fewer insurance claims and lower premiums—go ladies!

     

    But what if the key to being a better driver lies in having car insurance? Instead of debating who’s better, let’s explore how car insurance influences our driving habits and helps all genders become better drivers.

     

    The Role of Car Insurance

    Peace of Mind for All Drivers

    Having car insurance provides financial protection, reducing stress and anxiety when it comes to the unexpected. This peace of mind allows drivers to focus more on the road and less on the daunting financial burdens of potential accidents. An insured driver is a calmer one.

     

    Financial Incentives to Drive Safely

    At dotsure.co.za, we reward safe driving behaviours with our Smart Driver App. By incentivizing better driving, we’re creating a community of fans who want to drive responsibly and maintain their smart driving rating because they’re rewarded for it.

     

    Monitoring and Accountability

    One word: Telematics. To monitor a car’s driving patterns, we use a telematics device known as the dotsure.co.za Smart-Box. This provides drivers with real-time feedback and monitors things like movement, location, and behaviour. So, if you’re slamming the brakes or accelerating like an F1 driver, you won’t be rewarded.

     

    Conclusion: The Best Drivers Are Insured Drivers

    The true measure of a good driver is not about gender but about the practices and behaviours that contribute to making our South African roads safer for all.

     

    dotsure.co.za, encourages safer driving. So, whether you’re male or female, we say the first step to becoming a better driver starts with car insurance.

  • 3 TIPS FOR LOWERING YOUR CAR INSURANCE PREMIUM

    3 TIPS FOR LOWERING YOUR CAR INSURANCE PREMIUM

     

    The Most Effective Ways to Avoid a Higher Premium

    Whether you’re cruising in a Volkswagen or a Ferrari, one thing’s for sure: you need insurance. But let’s face it, premiums can be a drag. Fortunately, we’ve got you covered with saving savvy tips to trim those costs without sacrificing coverage.

     

    Choose Wisely

    • Your car model matters. High-end wheels mean high-end premiums. Opt for a vehicle with lower insurance costs to keep your premiums in check.
    • Sports cars may be thrilling, but they come with a hefty price tag, in more ways than one. Swap the speedster for a more practical ride to cut costs.
    • Believe it or not, your car’s colour could sometimes impact your premium. Flashy red might turn heads, but it could also inflate repair costs. Stick to standard hues to keep premiums down.
    • Stability counts. Some insurers favour brands with accessible service centres and readily available parts. Choose a brand with a solid reputation to avoid premium hikes.

     

    Regular Updates

    • Don’t set it and forget it. Regularly review your policy with your insurer. Changes in your circumstances could mean savings on your premium.
    • Did you score secure parking or start using alternative transportation? Let your insurer know. Reduced risk means reduced premiums.
    • Keep an eye on your policy and make adjustments when needed. Changes in your life or driving habits could mean big savings.

     

    Better Driver, Better Premium

    • It’s simple math. Less time on the road equals less risk. Explore carpooling or public transit options to lower your premium.
    • Level up your driving game with an advanced driving course.
    • Your driving record and license type can impact your premiums. Maintain a clean record and consider upgrading your license for potential savings.
    • The longer you’re insured, the better. Establishing a solid insurance history can lead to lower premiums over time.
    • Let your driving habits work for you – dotsure.co.za offers a rewards programme based on your driving behaviour, with no compromises on coverage required!
    • Invest in security features such as alarms and immobilisers to deter thieves. Parking in a safe area can also reduce your risk, and your premium.

     

    Remember, a little effort now can lead to big savings down the line. Happy driving – and saving!

  • EXPLAINED: EXTENDED CAR WARRANTY

    EXPLAINED: EXTENDED CAR WARRANTY

     

    The Effective and Affordable Way to Maintain Your Car

    When it comes to safeguarding your vehicle against unforeseen mechanical or electrical failures, an extended car warranty can provide invaluable peace of mind. Essentially, it acts as a safety net, offering financial protection against unexpected repair expenses that can arise as your vehicle ages.

     

    Expert Car Parts Cover

    dotsure.co.za understands the importance of providing comprehensive coverage and exceptional benefits to our customers. Our Extended Car Warranty goes above and beyond to ensure that you’re protected when you need it the most.

    This cover extends to the repair or replacement of parts affected by mechanical breakdowns or electrical failures, providing you with the confidence that your vehicle’s essential components are protected.

     

    Big on Benefits

    • Coverage for up to 60 components

    Cover includes an extensive list of components, ensuring that you have comprehensive protection for various parts of your vehicle.

    • Month-to-month cover

    Enjoy the flexibility of month-to-month coverage, allowing you to tailor your warranty plan according to your needs and budget.

    • Easy upgrades or downgrades

    Allows you to upgrade or downgrade your coverage at any time, ensuring that your warranty plan aligns with your evolving requirements.

    • Fast claims processing

    Experience peace of mind knowing that we aim for an average payout within three days, ensuring prompt resolution of claims.

    • Direct claims payment

    Claims are paid out directly to you, simplifying the reimbursement process and eliminating unnecessary delays.

    • Choice of workshop

    You have the freedom to select an RMI-approved workshop of your choice for repairs, ensuring high-quality service and convenience.

     

    Included Cover Enhancements

    CoverXtender:

    Receive additional funds to cover repair costs if the expense exceeds your designated limit for a particular part, providing added financial protection.

    Gold Club Benefits:

    • Emergency assistance

    Access 24/7 emergency roadside and medical assistance, ensuring support during unforeseen emergencies.

    • Road Protect

    Receive assistance in recovering or reducing costs associated with pothole damage, fines, and accidents, offering protection on and off the road.

    • Lifestyle benefits

    Enjoy discounts on tyres and car hire, adding value to your experience and saving you money on essential services.

     

    Optional Cover

    ServiceXtender:

    Receive a cash contribution towards your annual service, as well as a contribution towards the repair of minor chips and scratches.

     

    An extended car warranty serves as a valuable investment in protecting your vehicle and your finances against unexpected repair expenses. With dotsure.co.za’s worry-free Extended Car Warranty, you can have peace of mind on every journey.

     

  • CAR INSURANCE: WHAT’S COVERED?

    CAR INSURANCE: WHAT’S COVERED?

     

    Understanding Your Car Insurance Policy

    Getting behind the wheel in South Africa means more than just hitting the road; it means safeguarding your ride with the right insurance. Comprehensive car insurance is the go-to choice for many drivers, offering a broad safety net against a range of mishaps.

     

    What Most Policies Cover

    • Accidental damage
    • Theft and vandalism
    • Fire damage
    • Glass damage
    • Third-party liability
    • Towing

     

    What Most Policies Don’t Cover

    • Wear and tear
    • Driving under the influence
    • Unauthorised Use
    • Racing or reckless driving

     

    Getting the right car insurance in South Africa isn’t just about finding coverage; it’s about finding a policy that fits your lifestyle and budget. With dotsure.co.za’s Name Your Price™ car insurance, drivers can enjoy customisable car cover tailored to their specific needs, along with a host of additional benefits designed to provide peace of mind on the road.

     

    Additional Benefits Included

    dotsure.co.za goes the extra mile to keep you covered in tough situations.

    • Emergency Assistance

    Enjoy 24/7 access to emergency roadside, medical, and legal assistance when you need it most.

    • Road Protect

    Worried about pothole damage, fines, or accidents? We’ll help recover or reduce these costs.

    • Lifestyle Benefits

    As a policyholder, you’ll also enjoy discounts on tyres and car hire, making it even more affordable to stay on the road.

     

    Personalised Savings Options

    We understand that every driver is unique, which is why we offer customisable options to help you save on premiums.

    • Weekend Cover

    Pay for coverage on weekdays only if you don’t drive on weekends.

    • Hail Cover

    Opt for hail cover only if you live in areas prone to hailstorms, saving you money on your premium.

    • Night Driving

    If you rarely drive at night, you can choose to turn off coverage after 21:00 when the wheels aren’t turning.

    • Windscreen Cover

    Travelling on gravel roads? Activate Windscreen Cover only when you need it.

    • Frequent Driver

    Drive less frequently? Enjoy reduced premiums to match your usage.

    • Driver Options

    Whether you’re the only driver or share your car with others, you have flexible options to suit your needs.

     

    So, why settle for one-size-fits-all insurance when you can tailor your cover to fit your lifestyle and budget? Switch to dotsure.co.za today and drive with confidence knowing you’re in good hands.

  • INSURING YOUR CAR FOR RETAIL, MARKET, OR TRADE VALUE

    INSURING YOUR CAR FOR RETAIL, MARKET, OR TRADE VALUE

     

    How the Insured Value of Your Car Could Impact Your Claim

    Making sure your car is properly insured is essential to avoid financial headaches in case of accidents or theft. But when it comes to choosing the right insurance policy, it’s not just about picking the cheapest option, it’s also about understanding how the value you insure your car for can affect your claims and premiums.

     

    Picking the Right Insurance Policy

    With so many car insurance options available, it’s easy to feel overwhelmed. Start by figuring out exactly what you need and don’t pay for extras you won’t use. Shopping around and comparing quotes from different insurers is essential to finding the best deal that fits your needs.

    Your insurance premiums depend on various factors, such as your car’s age, where you park it, and its value. Speaking of value, you’ll come across three main ones when insuring your car: market, retail, and trade.

     

    Vehicle Values

    • Market Value:

    This is what you could sell your car for, considering its condition, mileage, and history. Check out similar models to get a good idea of your car’s market value.

    • Retail Value:

    This is what a dealer would sell your car for, including their markup. Insuring your car for retail value means it’ll be easier to replace if it’s stolen or written-off.

    • Trade Value:

    This is what a dealer would offer you for your car as a trade-in. It’s usually the lowest value. Opting for trade value insurance can mean lower premiums, but might not cover replacement costs fully.

     

    Choosing the Right Value to Insure For

    If your car is brand new, retail value might be the way to go. For older cars, market value insurance is often a better fit.

    Avoid insuring your car for less than it’s worth to avoid financial headaches if you need to make a claim.

     

    Don’t forget to consider any financial agreements or loans you have on the car. And if you’ve upgraded your ride with fancy audio gear or other add-ons, make sure your policy covers those too.

    In short, picking the right insurance value for your car is all about understanding your needs, your car’s value, and what you’d want if you had to replace it.

     

  • 11 WAYS YOUR CAR INSURANCE PREMIUM IS CALCULATED

    11 WAYS YOUR CAR INSURANCE PREMIUM IS CALCULATED

     

    Learn More About What Contributes to Your Policy Premium

    Have you ever wondered what factors contribute to the cost of your car insurance? It may seem like a complex equation, but let’s break it down. Insurers consider various elements related to your vehicle, personal details, and driving habits to calculate your premium.

     

    Vehicle Details

    The characteristics of your car significantly influence your insurance premium.

    • Make, model and age:

    Newer or high-value vehicles often come with higher premiums due to increased repair or replacement costs.

    • Insurance group:

    Cars are categorised based on factors such as price, performance, and safety features. Safer vehicles with advanced security measures may qualify for lower premiums.

    • Modifications:

    Alterations such as custom exhausts or tinted windows could impact on premiums. Conversely, safety enhancements such as Autonomous Emergency Braking might reduce costs.

     

    Driving Habits and History

    Your behaviour behind the wheel and your driving history are crucial determinants of your premium.

    • Annual mileage:

    Higher mileage can lead to increased wear and tear, raising the likelihood of claims and, ultimately, of your premiums.

    • Driving record:

    Previous claims, penalty points, and convictions affect your perceived risk as a driver.

    • Location:

    Your home base influences premiums due to factors such as crime rates and accident frequency in your area.

     

    Policy Details

    Various aspects of your insurance policy structure can affect premiums.

    • No claim discounts:

    Accumulating claim-free years earns discounts, reflecting your history of safe driving.

    • Excess:

    Opting for a higher voluntary excess can lower premiums, but it means you’ll pay more in the event of a claim.

    • Add-ons:

    Additional options such as cover for personal belongings impacts on the overall premium.

     

    Credit History and Insurance Record

    Your financial and insurance history can impact on premiums.

    • Credit record:

    Maintaining a good credit history demonstrates financial responsibility and can lead to lower premiums.

    • Insurance history:

    Having a consistent insurance record may result in more favourable premium rates.

     

    Take control of your insurance costs and drive with peace of mind knowing you’re making informed choices. Remember, a proactive approach to managing your insurance can lead to significant savings over time.

  • AFTER-HOURS EMERGENCIES ON THE ROAD

    AFTER-HOURS EMERGENCIES ON THE ROAD

     

    What to do When the Shift Hits the Fan

    Whether it’s a flat tyre, engine trouble, or running out of fuel in the middle of nowhere, these unexpected events can be stressful. At dotsure.co.za, we understand the importance of being there for our clients, especially during difficult situations. That’s why we offer a range of emergency benefits, included in our comprehensive car insurance policies.

     

    How It Works

    If you find yourself in an emergency situation while driving in your insured car, whether it’s a roadside breakdown or any other covered incident, simply:

    • Call us on 0861 368 7873
    • Follow the voice prompts for the relevant assistance you require, and be prepared to provide your ID number or policy number for verification.
    • Once your membership is confirmed, the details of your emergency will be taken, and the appropriate service will be provided as quickly as possible.

     

    Roadside Emergency Benefits*

    We’ll get you back on track!

    • Towing Services:

    When you experience a mechanical failure or an accident, we’ll arrange towing to the nearest approved panel beater.

    • Transportation Assistance:

    For your safety and convenience, we’ll arrange transport for you, your passengers, and your luggage to a nearby safe location or home.

    • Second Tow:

    If you didn’t contact our emergency line the first time around and your vehicle is towed to the wrong panel beater, we’ll tow your car to one of our approved facilities.

    • Breakdown Assistance and Towing:

    Whether on the highway or at home, we’ll tow your vehicle to the nearest approved dealer or workshop.

    • Additional Breakdown Services:

    This includes transport for you, three passengers, and your luggage to a place of safety. If you have a caravan or trailer, it will also be towed to the same destination as your vehicle.

    • Medical Emergency Benefits:

    Includes immediate medical response to the scene of an incident and emergency medical transportation to the closest appropriate facility for further medical care. These services are available 24/7.

    • Urgent Messages:

    In both roadside and medical emergencies, we can assist by relaying urgent messages to your nominated loved ones, ensuring they are informed of the situation.

     

    Being prepared for emergencies on the road is essential for every driver. With dotsure.co.za’s comprehensive car insurance policies, you have access to a range of emergency benefits to help you navigate unexpected situations. Drive with peace of mind knowing that assistance is just a phone call away!

     

    *Ts & Cs Apply.

  • HOW TO CLAIM ON YOUR CAR INSURANCE

    HOW TO CLAIM ON YOUR CAR INSURANCE

     

    Your Step-By-Step Guide to the Claims Process

    With dotsure.co.za, claiming on your car insurance is a smooth ride. Because we know just how valuable time is, we don’t want you spending hours on the phone to submit your claim. After sending through the info we need, you can sit back and allow us to do what we do best!

     

    Step 1 – Log Claim

    Complete all relevant sections when logging the claim online and provide as much detail as possible.

     

    Step 2 – Submit Documents

    Submit all documents relevant to the claim via either the Manage Portal or email. If you choose email, please use your policy number or ID as a reference.

    What we need:

    • Quotation(s).
    • Self-assessment images of the vehicle.
    • SAPS report.
    • A1 statement: Complainant’s statement from the police station (in the event of theft).
    • Third-party details if they are not in the SAPS report or A1 statement.

     

    Step 3 – We’ll Be in Contact

    Once we have all the documents we need, one of our friendly claims handlers will contact you, update you on the progress, request additional information, and advise on the process.

     

    Step 4 – Verification

    We will verify the policy terms and conditions against the details of the claim.

     

    Step 5 – Claim Outcome*

    Once this is complete, your claims handler will contact you with the outcome and explain the process from there.

     

    Remember that in the event of a claim an excess will become payable. An excess is the first amount payable by you, as stated in your policy schedule.

    Have questions? At dotsure.co.za we’re all about transparency, so feel free to ask us anything regarding your claim and the claim process.

    Wishing you safe and happy travels.

     

    *Ts & Cs apply. Claim settlement is subject to a valid claim as well as policy limits.

  • 5 BENEFITS OF BEING A SINGLE DRIVER

    5 BENEFITS OF BEING A SINGLE DRIVER

     

    Ways Independent Drivers Save Money On Car Insurance.

     

    There’s something uniquely satisfying about being the only driver of your car. Whether it’s the freedom to choose your playlist or the ability to take spontaneous road trips, being a single driver comes with its own set of perks.

    For many, the thought of being the sole driver of their car may seem like a solitary experience. However, this independence comes with a silver lining – substantial savings on car insurance.

     

    Personalised Policies

    When you’re the sole driver of your vehicle, your insurance policy can be tailored according to your specific needs and habits. This personalised approach allows you to avoid unnecessary coverage and, in turn, lowers your premium. You won’t be paying for features that cater to multiple drivers or their respective driving histories.

     

    Better Risk Profile

    Risk assessment is based on various factors, including driving history, age, and gender. When you’re the only person driving your car, a more accurate risk profile can be created, resulting in lower premiums. This personalised risk assessment rewards responsible driving habits, translating into significant savings over time.

     

    Reduced Likelihood of Accidents

    When you’re the only person driving your car, there’s less chance of accidents caused by unfamiliarity with the vehicle. Different drivers may have varying comfort levels or experiences with your car, potentially leading to mishaps. By driving solo, you minimise these risks.

     

    Easier Policy Management

    Managing an insurance policy becomes simpler when you’re the sole driver. There’s no need to juggle different schedules, driving habits, or individual preferences. This streamlined approach not only saves you time and effort but also helps maintain a clear driving record, potentially leading to additional discounts.

     

    Lower Premiums

    Being the only person who drives your car is not just about enjoying the freedom of the open road; it’s also a strategic move to maximise savings on car insurance. With dotsure.co.za’s Name Your Price™ car insurance, you can activate the “Single Driver” option on your policy to save on your monthly premium!

  • ARE FINANCED VEHICLES REQUIRED TO HAVE COMPREHENSIVE COVER?

    ARE FINANCED VEHICLES REQUIRED TO HAVE COMPREHENSIVE COVER?

     

    3 different value options to insure your financed vehicle before driving it off the showroom floor.

    In South Africa, comprehensive cover is mandatory if you have a financed vehicle. Not only is it a contractual requirement, but it’s also there to reduce risks. You could end up paying for damages if you are involved in an accident, including your excess payments.

     

    Why It’s Necessary

    A financed vehicle represents a significant financial commitment. Comprehensive insurance provides coverage for a wide range of risks, including accidents, theft, vandalism, and other unforeseen events. By having comprehensive insurance, you safeguard your investment and minimise potential financial losses.

    Financiers usually require comprehensive insurance for financed vehicles. It acts as a safety net for both you and the financier, ensuring that the vehicle is protected against any potential damages or loss. By meeting this requirement, you comply with the terms of your financing agreement.

    Value Options for Insuring a Financed Vehicle

    • Retail Value:

    Insuring your financed car based on its retail value means that the insurance policy will provide coverage for the amount it would cost to replace the vehicle with a similar one. This option may be suitable for newer cars with higher market values.

    • Market Value:

    This option means that the insurance policy will provide coverage for the average cost between Retail and Trade value. This is more commonly used for second-hand or older vehicles.

    • Trade Value:

    With this, the insurance policy will provide coverage for the average price a car dealer would pay to buy your vehicle. This option may be suitable if you plan to trade your vehicle in, in the near future.

    Insurance Options After Your Car’s Paid Off

    Even after paying off your car, maintaining comprehensive insurance is still highly recommended. It continues to protect your vehicle against various risks, ensuring that you are financially safeguarded in case of accidents, theft, or other incidents.

    Third-party, fire, and theft cover is a type of insurance cover that insures you against damages to other vehicles or property caused by your car, as well as losses due to theft or fire. However, it does not provide coverage for your own vehicle in the event of an accident.

    The third-party-only cover option is a minimal insurance option that covers damages to other vehicles or property caused by your car, but does not provide coverage when your own vehicle is damaged or stolen.

     

    Whether your car is financed or fully paid off, it is crucial to carefully consider the value options and select the cover that best suits your needs. By having the right insurance in place, you can enjoy peace of mind and financial security on and off the road.