Tag: dotsure.co.za car insurance

  • 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.”

  • FACT: CRIME INCREASES OVER DECEMBER

    FACT: CRIME INCREASES OVER DECEMBER

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

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

    Why Crime Surges During the Festive Season

    Empty Homes: Holiday getaways leave homes vulnerable to burglaries.

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

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

    Holiday Chaos: The festive rush often leads to lapses in security.

    Top Tips to Stay Safe

    Secure Your Home: Invest in alarm systems, motion-sensor lights and timers to deter burglars. Always inform trusted neighbours if you’re travelling so they can keep an eye out.

    Car Safety: Always park in secure areas and avoid leaving valuables in plain sight. Consider a steering lock or tracking device for extra protection.

    Stay Vigilant Online: Scammers thrive during December. Avoid clicking on suspicious links or sharing sensitive information.

    Comprehensive Insurance: From theft to damage, having the right insurance gives you peace of mind when the unexpected happens.

    Check it out: The Ultimate Festive Season Survival Guide

    How Can We Help?

    Whether you need business, household or car insurance, dotsure.co.za has you covered. Our policies offer expert protection, ensuring your festive season stays stress-free. Don’t allow criminals to dampen your holiday cheer. Stay safe, stay smart and let us take care of the risks!