Category: Car Insurance

Overall car insurance related questions asked.

  • THE ULTIMATE ROAD SAFETY CHECKLIST FOR HOLIDAY TRAVELS

    THE ULTIMATE ROAD SAFETY CHECKLIST FOR HOLIDAY TRAVELS

     

    Road Safety Guide for the Great SA Festive Season Migration

    The species? Homo Mzansis, roadtrippicus holidayus. The destination? Anywhere with sun, sea, family, or a braai waiting.

    Every December, a spectacular event unfolds across Mzansi. One so massive, so predictable, and so beautifully chaotic that it rivals the great wildebeest migration of the Serengeti. Millions of South Africans embark on their annual pilgrimage: The Great Festive Migration.

    As you join the migration this festive season, use this road safety checklist guide to ensure that your trusty steed is fit, fed, and roadworthy for the long road ahead. You should also manage your Name Your PriceTM car insurance and switch cover on or off this festive season via the 24/7 online Manage Portal.

     

    Pre-Trip Road Safety Checklist

    The Homo Mzansis, roadtrippicus holidayus begins weeks in advance. Forming queues at tyre shops and service centres, often debating oil grades with the confidence of seasoned mechanics. Because if you’re a roadtrippicus holidayus, you know that long drives require more than just directions and good music.

    You should:

    • Plan your route. Use reliable GPS apps and check for construction zones or detours. Print a backup map if you’re travelling through low-signal areas and always take the scenic route.
    • Rest before you drive. Fatigue is one of the biggest risks during holiday season travel. A well-rested driver reacts faster and stays calmer.
    • Avoid night-time trips. Visibility drops, reaction times slow, and roadside help can take longer to reach you.
    • Share your route. Let friends or family know where you’re headed and when you expect to arrive. And then get ready to hit the road.

    But First, the Harsh Reality of the Great Migration: Car Accident Stats

    The car accident stats in South Africa are scary. Beneath the joy and adventure, our holiday migration also brings heartbreak. Each year, around 14 000 lives are lost on South African roads. That’s not just a number – it’s mothers, fathers, friends, and neighbours who never make it back home.

    And here’s the kicker, it’s rarely the roads or the cars that are to blame. It’s how we drive. According to Arrive Alive, South Africa ranks amongst the worst globally for road traffic injuries. Every year, millions are injured on our roads. So, while the holiday season is about celebration and connection, it’s also a time to slow down, buckle up, and keep your herd safe on the journey. This all begins with ensuring that your car is roadworthy and ready for the holidays.

     

    Check Before You Trek: The Ultimate Road Safety Checklist

    A roadworthy car is your first line of defence. A scheduled service is the mark of a truly road-ready vehicle, the equivalent of getting your passport stamped. But how do you check your car’s readiness? Here’s a quick guide:

    • Tyres: Check tread, pressure, and the spare.
    • Brakes: A spongy pedal or squeaking sound is your cue to get them checked.
    • Fluids: Check oil, coolant, and brake fluid. Then top up where needed.
    • Battery: Ensure the terminals are clean and the battery isn’t past its lifespan.
    • Lights & Indicators: Essential for visibility and communication on busy roads.
    • Wipers: Replace worn blades.

    Pro tip: Before you hit the road, check your licence status or renewal date online because fines are not the souvenirs you want this December.

    RELATED: A BALANCED APPROACH TO CAR MAINTENANCE

     

    The Departure After the Road Safety Checks

    Dawn breaks. Coolers are packed, and one last check to see if you turned off the geyser. Our migraters, fueled by caffeine, merge onto the freeway to join a very diverse convoy:

    • The bakkie species, towing boats and braais equipment with pride.
    • The SUV clans, identifiable by roof racks and cooler boxes in the boot.
    • The sedan nomads, darting between lanes, playlists set to “old school” hits.
    • The hatchback herd, masters of the “just make it fit” migration technique, proving that even the tiniest species can carry half the house when the festive trek begins.

    From above, it’s a sight to behold. Shimmering lines of metal inching toward the coast. And here’s the best part – the really smart drivers won’t only be insured by dotsure.co.za, they’ll also be earning cashback rewards of up to 25% of their monthly premium thanks to our Smart Driver Programme.

     

    Pet Travel Safety: Observe the Sub-Species Known as Pet Parents

    Their migration is more complex, requiring hydration bowls, harnesses, and carefully managed aircon levels.

    Key behaviours include:

    • Frequent rest stops for “walkies.”
    • Sharing of padkos between species.
    • Regular affirmations (“Good boy, almost there!”).

    If your furry family members are tagging along; use a harness or carrier, keep water available at all times, never leave pets unattended in a car, and ensure your pet insurance is up to date.

    RELATED: TRAVELLING WITH YOUR PET

     

    Migration-Ready: What Should Be on Your Car Safety Checklist

    Accidents and breakdowns can happen, even to the best-prepared drivers. Keep a roadside emergency kit in your boot with:

    • Jumper cables
    • Reflective triangles
    • First-aid kit
    • Flashlight
    • Basic tools
    • Water and snacks

    If the unexpected happens, dotsure.co.za’s after-hours roadside assistance (call 0861 368 7873) is available 24/7, including public holidays. Whether it’s a tow, flat tyre, or medical emergency, we’ll get help to you fast.

    But Wait, How Do I Use a Traffic Circle the Right Way

    Ah, the traffic circle. Whereas most of Mzansi’s great migrators are used to the rhythm of the concrete jungle (guided by the glow of traffic lights and the beat of rush-hour chaos), every driver will encounter the great watering hole of the road (the traffic circle), unsure whether to charge in or wait it out. Here’s how to use a traffic circle the right way:

    • Yield to the right. The cars already in the circle have the right of way.
    • Ease in slowly, choose your lane wisely, and know your exit before you enter.
    • The left lane is your friend for left turns or going straight.
    • The right lane is for those making a right or full U-turn.

    And when it’s time to leave, signal your intentions clearly. Give a little blink to let the rest of the flock know where you’re headed.

     

    One More Thing: What are My Rights When Pulled Over

    Even the most graceful migrators of the open road eventually attract the attention of the rangers. When the blue lights flash behind or Infront of you, it’s not the time to panic or bolt. It’s simply part of the ecosystem.

    In South Africa, when a uniformed traffic officer or police official signals you to stop, you must comply; that’s the law of the land. But while you’re expected to cooperate, you’re also protected by a few important rights that help keep things fair and transparent.

    • Ask for identification. Every officer must carry an official appointment certificate.
    • Know why you’ve been stopped. You have the right to ask for the reason.
    • No cash, no problem. You cannot be forced to pay a fine on the spot.

    So, next time the rangers of the road wave you down, remember to respect the process, stay calm, and know your rights. Because even in the wilds of the festive migration, order keeps the herd moving safely.

     

    How Sleep Affects Your Driving: The Fatigue Factor

    As night falls, we see the toll of travel. Eyes grow heavy. Playlists loop. The driver hums tunelessly to stay awake.

    But driving tired slows your reaction time as much as alcohol does.

    • Take breaks every two hours.
    • Swap drivers if possible.
    • If you feel drowsy, pull over safely and rest.

     

    Having Car Insurance Is the Best Safety Net You Can Give Yourself

    After hundreds of kilometres, countless tolls, and at least one argument about directions, the migration is complete! But here’s the best part. Whether you’re driving solo or travelling in a full pack, you can Name Your Price™ this festive season and choose the cover that fits your journey best. And if life throws you a detour, our speedy claims payouts get you back on the road faster than you can say “Are we there yet?” So contact us today to get covered.

    RELATED: FUNNY SA DRIVING LAWS

  • ROADSIDE EMERGENCIES: WHAT TO DO WHEN THINGS GO WRONG

    ROADSIDE EMERGENCIES: WHAT TO DO WHEN THINGS GO WRONG

     

    December means one thing – road trip season. A time when inland empties out, the coast wakes up, and the open road becomes everyone’s best friend.

    But while we’re blasting tunes and shouting “are we there yet?” from the back seat, the roads can be unpredictable. Potholes, breakdowns, overheating cars, and the occasional goat crossing the N2, anything can happen. Knowing what to do and who to call in a roadside emergency, as well as having the right car insurance, and extended car warranty plan can save your festive cheer (and your pocket).

    RELATED: AFTER-HOURS EMERGENCIES ON THE ROAD

     

    What Is Considered a Roadside Emergency?

    A roadside emergency is one of those unplanned, heart-sinking moments that can turn an ordinary trip into a full-blown disaster. It’s any unexpected situation that puts your safety, your passengers, or your vehicle at risk; or that could cause more damage if not handled quickly. Think flat tyre in the middle of nowhere, an overheated engine, or locking your keys in the car (we’ve all done it). Even running out of fuel or getting stuck after a fender-bender counts. Basically, if you find yourself stranded or stressed, you’re in roadside emergency territory.

    With years of experience and thousands of South Africans helped every month, dotsure.co.za knows exactly how to get you back on the road, fast.

     

    What to do in a Roadside Emergency?

    If you’re a dotsure.co.za driver, you’ve got access to 24/7 help during a roadside emergency. Whether it’s a flat tyre in Upington, a breakdown in Butterworth, or a mild panic attack outside Parys; we can help you swerve away from distress.

    Here’s what to do in a Roadside emergency: Log in to the 24/7 online Manage Portal, and submit your claim in under 30 seconds. Easy.

    If you’re insured with us, your cover also includes these emergency roadside benefits:

    Emergency Medical

    When things go south and you’re more “ow” than “okay,” we’ve got you. Whether you need road or air transportation, we’ll get you to the nearest medical facility fast.

    Emergency Roadside

    Your old car decided to act brand-new? Relax. Whether you’re stuck, stranded, out of juice, or flat-batteried, we’ll find you, fuel you, jump you, and pick you up.

    Pothole Protect

    Hit a pothole? Don’t stress. We’ll handle the pothole damage claims, so you don’t have to go 12 rounds with paperwork.

    Accident Protect

    If there’s one thing worse than an accident, it’s dealing with the Road Accident Fund afterwards. Save yourself the drama. We’ll take on the stress, the admin, and the queueing.

     

    You should also keep a roadside emergency car kit in the boot for when things go sideways. Here’s what to pack:

    • Reflective triangle and vest
    • Jumper cables
    • Flashlight and extra batteries
    • Tyre inflator or sealant
    • Basic first-aid kit
    • Power bank and charging cable
    • Bottled water and non-perishable snacks.

    If you’re travelling with a four-legged passenger, consider packing a mini pet first-aid kit: Bandages, antiseptic, a soft towel, and dotsure.co.za pet cover.

     

    Who to call if the Roadside Emergency is an Accident

    Roadside emergency call numbers every driver should know in Mzansi:

    The emergency call feature on your phone works without signal. Some phones also auto-trigger SOS when they detect impact. This can shave minutes off emergency response time when it matters most. If tech fails, you may use alternative communication methods:

    Share live location

    Share your exact route and expected arrival time with a trusted friend or family member. If they don’t hear from you by a certain time, they will know to start looking for you or alert authorities.

     

    What To Do If You’re the First Person at an Accident or Involved in a Car Accident?

    Accidents can happen in a flash. One minute you’re cruising, the next your heart’s racing and you’re not sure what to do. Knowing the basics can help keep everyone safe until help arrives.

    AA give these guidelines in case of an accident:

    • Stop and get safe. Pull over immediately and switch on your hazard lights. Safety first.
    • Call for help. Dial 10111 or 112 and give your location.
    • Check for injuries. Only move injured people if they’re in immediate danger, like a fire.
    • Exchange details. Swap names, numbers, and insurance info with other drivers.
    • Document everything. Snap photos of the scene, number plates, and any damage.
    • Report it. Complete an accident report with SAPS and let your insurance provider know as soon as possible.

     

    What if a Pet is Involved in a Roadside Emergency?

    According to Legal Aid SA, if you’re in an accident involving a pet (somebody else’s or another animal), here’s how to handle it, step by step:

    • Stop right there. Even if it’s a small bump, pull over, put your hazards on, and make sure everyone’s safe — including yourself.
    • Check who (or what) needs help. If a person, pet, or animal has been hurt, take a breath and assess the situation. Don’t try to move anyone unless there’s real danger.
    • Call it in: Get the police or emergency services on the scene.
    • Report it properly. You’re required to report the accident:
      • Within 24 hours if a person or animal’s been injured.
      • On the next working day if no one was hurt.
    • Get the details. Note the name of the police officer you speak to and jot down the accident report reference number, you’ll need it for insurance later.

    Leaving the scene of an accident (even one involving an animal) is a serious offence. You could face a fine of up to R180 000, or even nine years in prison, or both.

     

    How Emergency Roadside Assistance Can Make a Difference?

    It happens to the best of us. One moment you’re vibing to amapiano, the next thing your car starts making weird noises. When that “ski-ding-ska-donk-klickity–klunk” happens, your call for help could be resolved in minutes, if you’re covered by dotsure.co.za.

    But don’t just take our word for it. These fans show that when things go wrong, having dotsure.co.za on your side provides peace of mind:

    “So, I was going to camp with my family, 2 kids and husband. My little car was so full ya’ll. From Soweto to Harties, we drove, excited. As we were driving, literally in the middle of nowhere, the car lost control and started spinning, as if I were at a drag race. My husband goes out to check. He comes back and says, “The tyre came off.” Once we were safe dotsure.co.za came to the rescue with a tow truck. They asked us if we wanted to go home, sathi noooo (we said no), we are still going camping. So that was us, entering the resort in a tow truck.” – Kagiso Molete

    “So, I was in a rural area of North West province when my battery went flat and my car keys were locked inside. I called dotsure.co.za for assistance. Within 20 minutes, help arrived! It took them 5 minutes to fix everything and then I was home free. dotsure.co.za is the car insurance of choice.” – Bongani Hlongwane

    “I was travelling from the Eastern Cape to Hermanus with my father. It was about 2 in the morning when my front right tyre burst in the middle of nowhere. No cars passing by, just us in the dark. I attempted to change the tyre, then the worst thing happened – my car jack broke into pieces 😭. After about an hour or two, I managed to call dotsure.co.za. Because I was far from both towns, it took a bit longer for roadside assistance to get there, but it came through.” – Athi Mfungquza

    So, remember to keep your roadside emergency car kit packed, keep note of which number to call in an emergency, and if things go pear-shaped – rest easy knowing that we’ve got your back.

    You’re not covered with us? Get car cover that suits your budget with Name Your Price™, or contact us today to start enjoying superfast claims and 24/7 roadside assistance.

    EXPLORE MORE HANDY READS: ESSENTIAL PROTECTION: WHY IS INSURANCE IMPORTANT?; WHO ARE THE MOST VULNERABLE ROAD USERS? TIPS FOR SA DRIVERS

  • AFTER-HOURS EMERGENCIES ON THE ROAD

    AFTER-HOURS EMERGENCIES ON THE ROAD

     

    Breakdowns don’t keep business hours. One moment you and your friends are driving back from karaoke (still belting out bangers), and the next you’re stranded in the middle of nowhere because your car goes off-key with a flat tyre. Maybe your engine starts making funny sounds (that’s definitely not music to anyone’s ears), or a you have a medical emergency that brings everything to a screeching halt.

    That’s when our after-hours roadside assistance and extended car warranty comes in clutch. Because “after hours” doesn’t mean you’re on your own. At dotsure.co.za, we understand the importance of being there for our clients, especially during difficult situations and times. That’s why we don’t just let you Name Your PriceTM, we offer a range of emergency benefits, included in our comprehensive car insurance policies.

     

    What Is the Most Common Driving Emergency?

    There are a few common roadside emergencies (more like unwanted plot twists) that every South African driver faces at some point. Here’s the line-up of usual suspects that always seem to strike after hours:

     

    Flat Tyres

    Potholes, sharp stones, or just bad luck; one minute you’re cruising, the next you’re doing that awkward “slow wobble” to the side of the road. Whether it’s a slow puncture or a full-on blowout, it’s never fun changing a tyre on your own.

    RELATED: HOW MUCH TREAD DO YOUR TYRES NEED?

    Dead Battery

    Few things ruin your evening mood like a car that responds to your ignition with dead silence. A flat battery can happen if you’ve left your lights on, or your car’s battery is old.

    RELATED: HOW TO JUMP-START YOUR CAR LIKE A PRO

    Running Out of Fuel

    You thought you could “make it” to the next garage (so much for knowing your car). Now you’re freewheeling, praying there’s a petrol station at the bottom of the hill.

    Overheating Engine

    Summer heat, traffic, or a sneaky coolant leak; whatever the cause, when that temperature gauge climbs into the red, it’s time to pull over before your engine blows over.

    Locked Out of Your Car

    It’s always when you’re far from home, with your keys sitting smugly on the seat inside the car.

    Engine Stalling

    Whether it’s a fuel issue, a faulty sensor, or just bad timing, an engine stall in peak-hour traffic can feel like your car’s way of getting back at you for the way you drive.

    In all these emergencies, a quick call to dotsure.co.za’s after-hours roadside assistance gets you sorted faster than a robot turns red when you’re running late. Keep reading to learn how to turn a roadside nightmare into a story for the next braai.

     

    Roadside Emergencies: What to Do If Your Car Breaks Down After Hours

    Here’s the 411 on what to do when the wheels come off or when you’re stuck on the side of the road after hours. Don’t panic. Just follow the steps below to get back on the road:

    Call 0861 368 7873 We’re your pit crew on speed dial.
    Follow the voice prompts Select roadside or medical help.
    Confirm your policy Keep your ID or policy number ready.
    Sit tight and stay safe Our team dispatches help immediately.

    No need to call your uncle who “knows a guy.” Once confirmed, our team jumps into gear. Whether it’s a tow, a lift, or a medical emergency, help is on the way.

     

    Roadside Emergency Benefits You Can Count On

    Our roadside assistance has the jump leads for every jam. Think of us as your festive-season pit crew.

    Contact dotsure.co.za after-hours roadside assistance for help

    🚗 Towing Services & Breakdown Help

    Mechanical failure? Accident? We’ll tow you to the nearest approved panel beater or workshop, no matter the hour.

    🧳 Transportation for You, Your Passengers, and Luggage

    Stranded somewhere unfamiliar? We won’t leave you or your crew stranded on the shoulder of the highway. We’ll get you, your passengers, and your luggage to a safe place. (Yes, even your cooler box.)

    💬 Message Relay

    We’ll even send an urgent message to your loved ones.

    🧰 Mechanical and Electrical Breakdown Assistance

    Even if you break down at home (because the car knows when you have an early meeting), we’ll still send help.

    🔁 Second Tow Service

    Had your car towed to the wrong place? Don’t stress. We’ll move it to one of our approved facilities.

    🩺 24/7 Medical Help

    If you’re injured or need medical attention, we’ll send emergency responders and transport you to the closest facility.

     

    How We Help You Drive with Confidence After-Hours

    You can’t plan for potholes or those questionable petrol station pies that will probably end with a trip to the hospital, but you can plan for peace of mind.

    So, plan for the best and insure for the rest. Get Name Your PriceTM car insurance today and enjoy peace of mind from driveway to destination, knowing you’re never really alone on the road, even long after the sun’s gone down. Then take a few more seconds to cover over 60 parts with our no worries Extended Car Warranty, because festive road trips should end at your destination, not on the side of the N3.

    Drive safely, stay sharp, and remember: when your car calls in sick this festive season, or decides to take “December leave” without notice, dotsure.co.za will get you back behind the wheel in no time. Our after-hours roadside assistance is just a call away to help you finish the journey you started. Contact us anytime.

  • MORE THAN CAR INSURANCE: COVER FOR TYRES, RIMS, AND MINOR DAMAGES  

    MORE THAN CAR INSURANCE: COVER FOR TYRES, RIMS, AND MINOR DAMAGES  

     

    When it comes to protecting your car, traditional car insurance is just the beginning. Everyday bumps, potholes, and small scrapes can take a toll on your vehicle and your wallet. That is where tyre & rim insurance and scratch & dent insurance can go the extra mile.   

     

    Simplifying Vehicle Protection for South Africans 

    dotsure.co.za’s new Essential Products are designed to offer more value, simplicity, and flexibility. Instead of choosing from multiple optional extras, you can now select from two convenient bundles that combine popular benefits, giving you more cover for less. 

     

    Why Tyre and Rim Cover Matters on South African Roads 

    South African roads are full of surprises, and not the good kind. Potholes, debris, and uneven surfaces can cause serious damage to your tyres and rims, often without warning. 

    If you commute daily, drive on secondary roads, or simply want peace of mind for those unpredictable hazards, tyre and rim cover is a smart move. 

     

    Protect Your Car’s Look with Scratch and Dent Cover 

    Parking-lot dings, stone chips, or scuffs from tight driveways can add up over time and impact your car’s resale value. 

    Scratch & dent insurance takes care of minor exterior repairs, including scratches, small dents, chips, and damage to mirrors, lights, and badges. It is a simple way to keep your car looking as good as new. 

     

    Bundle-Up on Car Insurance Savings 

    Our new Essential Products come in two options, Body Protector and Accident Protect. Each is designed to cover specific needs, whether that is fixing small damages, or covering extra costs after an accident. 

    Body Protector: Cover for Tyres, Rims, and Minor Exterior Damage 

    This product protects against everyday bumps and bruises with cover for: 

    • Minor scratches, chips, and dents 
    • Headlamps, indicators, and brake lights 
    • Metal badges and mirrors 
    • Tyre replacement, puncture repair, rim damage, and wheel alignment 

    Accident Protect: Financial Support When It Matters Most 

    Get a cash benefit after a valid car insurance claim for theft, hijacking, fire, or accident-related damage. Use it to: 

    • Contribute towards your excess 
    • Cover car hire or other expenses 

     

    Are Car Insurance Add-Ons Worth It? (Cost vs. Peace of Mind) 

    The average cost of a single tyre replacement or rim repair can far exceed the small monthly premium for protection. 

    Combining benefits in one bundle gives you better protection for less, all while keeping your car in peak condition. 

     

    Get Essential Protection Today 

    Protecting your car should not be complicated, and with dotsure.co.za car insurance, it’s not. Get a quick quote online or contact us to find the right fit for your car and budget. Because life happens!

  • BENEFITS OF TELEMATICS: WHAT IS THE SMART DRIVER PROGRAMME?

    BENEFITS OF TELEMATICS: WHAT IS THE SMART DRIVER PROGRAMME?

     

    Safer, smarter driving has never been easier, or more rewarding! With technology transforming the way we drive, telematics has become an exclusive benefit of modern car insurance, helping South African drivers make better decisions behind the wheel. We bring you the Smart Driver Programme, powered by our Smart-Box, a telematics device that encourages safer, more efficient driving. 

     

    What Is Telematics and How Does It Work? 

    Telematics is a combination of telecommunications and informatics. In simple terms, it’s the technology that collects and transmits data from your car to provide insights into how, when, and where you drive. 

    By combining GPS tracking and onboard diagnostics, a telematics device measures your vehicle’s speed, location, acceleration, braking, and cornering patterns. This data is securely processed to help you improve your driving and, when integrated with insurance, can help you unlock rewards and benefits. 

    What Is a Telematics Device and What Does It Do? 

    Our Smart-Box is a small electronic device installed in an insured vehicle. It collects information about driving behaviour, allowing us to send policyholders a detailed report every month. 

    This device works hand-in-hand with the MyNetstar app, allowing drivers to access trip data, safety alerts, and even emergency assistance. 

    What Does Our Telematics Smart-Box Track? 

    It monitors seven key driving indicators that make up a Smart Driver score: 

    • Distance travelled 
    • Harsh acceleration 
    • Harsh braking 
    • Speed 
    • Time of day 
    • Cornering 
    • Swerving. 

     

    From Crash Detection to Assistance: What Happens After a Serious Event 

    In the event of a serious collision, your Smart-Box automatically triggers Proactive Emergency Assistance. That means help is sent your way immediately, whether it’s medical assistance, towing, or support for a stolen or hijacked vehicle. 

    The Benefits of Telematics for Safer, Cheaper Driving 

    With the dotsure.co.za Smart Driver Programme, responsible drivers can enjoy: 

    • Cashback rewards of up to 25% of their monthly premium. 
    • Reduced excess for every year you remain claim-free. 
    • Better renewal rates for consistent safe driving. 

    You’ll also get access to Gold Club benefits, including roadside assistance, medical support, and discounts on tyres and car hire. 

    How Your Smart Driver Score and Leaderboard Payouts Work 

    Your Smart Driver score is based on the seven key metrics mentioned earlier. Each trip is scored individually, with your monthly score placing you on a leaderboard. The top 400 drivers receive 25% cashback on their premiums, and the next 400 receive 15% cashback, a rewarding reason to drive safely. 

    Privacy, Consent, and POPIA 

    Your data privacy matters. All telematics information collected by the Smart-Box is handled according to South Africa’s Protection of Personal Information Act (POPIA). We use your driving data solely to enhance your safety, provide assistance, and offer fair, behaviour-based insurance pricing. 

     

    Ready to Drive Smarter? 

    The dotsure.co.za Smart Driver Programme, along with the benefits of telematics, is here to help you drive better and save more. 

    Want to experience the benefits of telematics firsthand? Visit dotsure.co.za or contact us to learn more.

     

     

     

  • SCARY ROAD ACCIDENT STATS IN SOUTH AFRICA

    SCARY ROAD ACCIDENT STATS IN SOUTH AFRICA

     

    South Africa’s road accident stats are so much more than numbers on a page. They’re reminders of the everyday risks we all face when we sit behind the wheel. Our roads are dangerous enough. Now add some students coming home from a party or a few quick glances at some WhatsApps in peak-hour traffic, and you’ve got a recipe for disaster and devastation. Let’s unpack our road accident stats and how to stay safe on Mzansi’s roads.  

    While you can’t always predict what other drivers will do, you can ensure you’re protected with comprehensive car insurance. Chat to us or get a quote today! 

     

    The Reality of Road Deaths in South Africa 

    Every year, on average, 14,000 people lose their lives on South African roads.  

    And the scary truth is that it’s not the roads or the cars that are the problem; it’s how we drive. “South Africa has some of the worst road traffic injury statistics in the world,” says Arrive Alive. “Each year, millions of people are killed or injured on our roads.” 

     

    Causes of Car Accidents in South Africa 

    Drunk Driving Accident Stats 

    Alcohol remains the biggest villain on our roads, linked to approximately 65% of fatal crashes. Even just one drink slows your reactions and clouds your judgment. The idea of “just one” isn’t harmless; it’s dangerous. 

    Texting While Driving Stats and Impact 

    You wouldn’t close your eyes for 10 seconds while driving. Yet that’s precisely what happens when you look at your phone while going 120 on the N2… You’re effectively driving blind for let’s say 100 metres. No meme or group chat is worth the crash caused by texting while you’re driving. 

    Fatigue Driving Stats: The Silent Risk 

    Studies show fatigue can be as impairing as alcohol. Long stretches of road, late nights, or certain medications can cause “microsleeps” where you lose focus for just a few seconds… and that’s all it takes. 

    What is Microsleep? 

    It’s when your brain flips rapidly between being asleep and being awake. The episodes last only a few seconds, and often, you aren’t aware of them. These brief and involuntary periods of sleep can lead to a loss of control and potentially fatal accidents, 

     

    Understanding Car Accident Fatalities 

    Behind every statistic is a person with a name, family, partner, or friend, forever changed. Cause of death statistics point mainly to drunk driving, distraction, and fatigue, but the truth is that these high numbers are preventable. 

    And it’s not only drivers who suffer. Passengers, especially children, are at risk too. Car seat death statistics show just how vital proper restraints are. A poorly fitted seatbelt or skipping a child safety seat can mean the difference between life and death in a crash. 

    Data also reveals that approximately 35-40% of road deaths in SA are pedestrian deaths. That’s right. Innocent pedestrians are a part of these scary road accident stats, too. 

      

    How to Stay Safe on South African Roads 

    • Skip the drink. Alcohol and driving do not mix.  
    • Take breaks. On long trips, stop every two hours to stretch, snack, and reset your focus. 
    • Ditch distractions. Put your phone in the boot if you can’t resist the ping. We’re being serious! 
    • Check your meds. Some prescriptions can slow reaction times, so read the fine print to ensure you are fit to drive. 

     

    It’s Not Just a Stat. It’s a Life 

    Yes, the road accident stats in SA are scary, but the good news is that we can change them. Every time we choose to drive sober, rest well, and keep our eyes on the road, we’re lowering those numbers. Insurance can help too.  

    With dotsure.co.za car insurance and the Smart Driver Programme, we’re encouraging a generation of smarter drivers who make smarter moves behind the wheel and are rewarded! You want to know more? Contact us and ask our friendly consultants about game-changing cover. 

     

  • THE PSYCHOLOGY BEHIND ROAD RAGE

    THE PSYCHOLOGY BEHIND ROAD RAGE

     

    Have you ever caught yourself muttering choice words at the driver who cut you off, holding up a choice finger out your window? Don’t worry, you’re not alone. The psychology behind road rage isn’t just about bad tempers and traffic jams. It’s a mix of stress, emotions, and, let’s be honest, a little bit of ego. 

    At dotsure.co.za, we’re not here to wag our finger (the pointy one, not the other one you use on the road). We’d rather help you understand why road rage happens, what it does to your mental health, and how to keep your cool behind the wheel. Yes, even when someone forgets how indicators work, or that their cars have them. 

    PS: Get a car insurance quote today and drive with one less thing to stress about. 

     

    What Is Road Rage? 

    Road Rage: Meaning and Common Examples 

    So, what’s the official meaning of road rage? It’s that sudden violent anger on the road that boils over into aggressive driving, or even full-blown confrontations. Have you ever watched the Netflix series Beef? Now, that’s a story of road rage gone to the extreme! 

    Common examples include: 

    • Shouting, hooting, or “creative” hand gestures 
    • Tailgating to “teach someone a lesson” 
    • Cutting others off intentionally 
    • Getting out of your car to confront another driver angrily.  

    Eye-Opening Road Rage Facts 

    Here are a few road rage facts that might surprise you: 

    • Studies show men under 30 are the most prone to road rage. 
    • Rush-hour traffic is the top trigger for aggressive driving. 
    • Road rage can spike your heart rate and blood pressure in seconds. 

     

    The Psychology Behind the Rage 

    Common Causes of Road Rage 

    • Traffic jams  
    • Running late 
    • Feeling disrespected 
    • Personal stress 

    Stress, Anonymity, and Cognitive Biases 

    Psychologists point out three key factors: 

    • Stress: The higher your stress, the lower your patience. 
    • Anonymity: People feel “less seen” in cars, so they act out. 
    • Cognitive bias: We assume others drive badly on purpose, but excuse ourselves with “oops.” You know that “oops, I was in the wrong lane, you have to let me in” vs “how can they just push in like that!” 

     

    Effects of Road Rage on Mental Health 

    Short-Term Reactions vs Long-Term Stress 

    In the moment, road rage can cause: 

    • Adrenaline spikes 
    • Aggressive outbursts 
    • Risky driving behaviour 

    Over time, it may lead to: 

    • High blood pressure 
    • Anxiety 
    • Emotional exhaustion 

    Daily exposure to rage-filled driving leaves you mentally drained. That’s not just bad for your mood, it’s bad for your health too. 

     

    Dangers and Consequences of Road Rage 

    Legal, Financial, and Safety Risks 

    The dangers of road rage go far beyond an angry hand gesture. It can lead to: 

    • Accidents and injuries 
    • Criminal charges (assault, reckless driving) 
    • Insurance claims that spike your premiums 

    Imagine smashing your bumper because your ego took control of the wheel… 

      

    RELATED: SCARY ROAD ACCIDENT STATS IN SOUTH AFRICA 

     

    Road Rage Prevention: How to Keep Calm and Carry On 

    Practical Ways to Prevent Road Rage 

    • Leave earlier to avoid time stress 
    • Breathe deeply instead of shouting 
    • Switch to uplifting music or a good podcast 
    • Don’t take it personally 

    Creating a Calmer Driving Environment 

    Keep your car a stress-free zone. You could include some comfy seats, your favourite playlist, maybe even a calming air freshener or some incense. If you feel yourself boiling, pull over and reset. 

     

    Road Rage Quotes and Jokes: Lightening the Mood 

    Funny Road Rage Quotes to Make You Smile 

    • “You can’t drive safely when you’re mad. Unless you’re in bumper cars.” – Unknown 
    • “If only cars were fuelled by road rage…” – Unknown 
    • “Sometimes I get road rage just pushing a shopping cart in the supermarket.” – Unknown 

    Road Rage Jokes That Might Just Diffuse the Anger 

    • Why did the angry driver get therapy? Because he couldn’t brake his bad habits. 
    • What do you call road rage in a Smart car? A little temper. 

     

    Final Thoughts: Mind Over Motor 

    Understanding the psychology behind road rage helps us see that it’s more than “bad driving.” It’s stress, bias, and ego mixed with a taxi and a robot that doesn’t work. Good news is you can take back control with a few calming tricks. 

    Tell Us Your Story 

    Have you ever had a road rage moment you laugh about now? Share your story with us on X and tag us! We’d love to hear it. 

    Get a car insurance quote or contact us today for cover that makes the road less stressful. 

  • WHAT WEIGHT TRAILER CAN I LEGALLY TOW IN SOUTH AFRICA?

    WHAT WEIGHT TRAILER CAN I LEGALLY TOW IN SOUTH AFRICA?

     

    Have you ever spotted a tiny hatchback trying to drag a trailer the size of a small house? In South Africa, trailer towing has its own set of laws and limits. But knowing what weight trailer you can tow isn’t just about following the rules. It’s about safety and saving your clutch from an early retirement.  

    And while we can’t stop your aunt from overpacking, we can help you understand the rules and remind you that dotsure.co.za car insurance has your back when life on the road becomes heavy. 

      

    Trailer Towing Basics in South Africa 

    What Size Trailer Can I Tow with a Car? 

    Small cars can happily tow trailers like Venters and other lightweight models, provided they stay within the legal weight limits. This could carry your groceries, camping gear, or a small load of furniture. But if you’re thinking of moving your friend’s piano across the country in an Opel Corsa Lite… maybe you shouldn’t. 

    Understanding Trailer Towing Weights 

    Legally and mechanically, you need to know two key numbers: 

    • Gross Combination Mass (GCM): This is the maximum weight your car and whatever it’s towing can weigh in total. It includes your vehicle, all passengers, luggage, fuel, and the trailer with its load. Go over this, then you’re breaking the law and putting massive strain on your engine and brakes. 
    • Towing Capacity: This is the maximum trailer weight your vehicle is rated to pull. It will usually be split into two figures: 
    • Unbraked trailers: These don’t have their own braking system. In South Africa, they’re capped at 750 kg or less, no matter how powerful your car is. 
    • Braked trailers: These have their own braking system, which means they can safely weigh more. The actual limit depends on your specific vehicle’s manufacturer specifications, but the general rule is that the trailer can’t weigh more than the towing vehicle itself. 

     

    South African Trailer Towing Laws and Licensing 

    Trailer Towing Regulations South Africa 

    South Africa’s trailer towing laws are clear: 

    • Unbraked trailers cannot exceed 750 kg. 
    • A braked trailer may not weigh more than the tow vehicle. 
    • A load must always be evenly distributed and secured. 

    For a full deep dive, check Arrive Alive’s safe towing guide 

    Do You Need a Specific Licence to Tow a Trailer? 

    Yes. With a Code B licence (standard car licence), you can tow a light trailer up to 750 kg. If you want to haul anything heavier like a horse trailer or a double-axle camping trailer, you’ll need a Code EB licence or higher.  

     

    Vehicle Requirements for Towing 

    Best Cars and Vehicles for Towing Trailers 

    SUVs and bakkies are favourites for good reason: They’ve got the torque and weight to keep things steady. If you’re shopping around, look for vehicles with factory-rated towing capacities and towbar packages. 

    Best 4×4 for Towing a Horse Trailer 

    Horse trailers are heavy, sensitive loads. You’ll want stability and torque. Popular choices include the Toyota Land Cruiser, the Ford Everest, and the Land Rover Discovery. 

    Towing a Horse Trailer with an Automatic: What to Know 

    Yes, you can tow with an automatic, but not all gearboxes are made for it. Stick to vehicles with higher torque ratings and towing modes. 

    How Much Torque Do I Need to Tow a Trailer? 

    Torque is your pulling power. For light trailers, 150–200 Nm is often enough. For caravans or horse boxes, aim for 350 Nm or higher. 

     

    Safety Tips for Towing 

    Tyre Pressure When Towing a Travel Trailer 

    Check both the car and trailer tyres. Increase your pressure slightly (within safe limits) for heavy loads, and always do a pre-trip inspection. 

    Can I Tow a Double Axle Trailer with a Car? 

    It depends on the car. If it’s a small sedan, you probably can’t. Mid-sized SUVs or bakkies? Yes, if they meet the legal weight requirements. Always confirm your vehicle’s maximum towing capacity before hitching up. 

     

    RELATED: CAR SAFETY INSPECTION CHECKLIST FROM US TO YOU 

     

    Matching the Right Trailer to the Right Vehicle 

    So, what weight trailer can I tow? The short answer is, don’t ask your car to do more than it’s designed for. A small hatchback and a horse trailer are just a disaster waiting to happen. The longer answer is that it depends on your licence, your car’s specs, whether your trailer is braked or not, and your rulebook and manufacturer’s limits. 

    All this talk about towing has reminded us about one of the game-changing benefits of car insurance: We offer emergency roadside assistance! So, if you need a tow, we’ve got you covered. Get a quote online today, or contact us for more info. 

  • EXPERT INSIGHTS: YOUR INSURANCE FAQS ANSWERED

    EXPERT INSIGHTS: YOUR INSURANCE FAQS ANSWERED

     

    Insurance can feel full of jargon and fine print that’s out to get you. But it doesn’t have to be. At dotsure.co.za, we believe in keeping things clear and simple, from submitting claims to how we answer your insurance FAQs. 

     

    What Is Insurance in Simple Terms? 

    Understanding the Purpose of Insurance 

    Insurance is basically a safety net. You pay a monthly premium, and if something unexpected happens, such as a car accident, a sick pet, or a mechanical failure, your insurer helps to cover the cost. 

    Different Types of Insurance Explained 

    • Car Insurance
      Cover can include accidents, theft, hijacking, fire, and sometimes even hail. It also protects you if you cause damage to someone else’s car. 
    • Pet Insurance
      Helps to take the bite out of vet bills when your fur-baby, feathered friend or scaly sidekick is sick, injured, or needs surgery. Cover can include accidents, illnesses, and sometimes even preventative or routine treatments. 
    • Warranty Cover
      A warranty protects you when your car’s parts fail due to a mechanical or electrical fault. We cover over 60 components for repairs or replacements. 

     

    Car Insurance and Warranty Questions Answered 

    What Does Car Insurance Cover? 

    Depending on the plan you choose, cover can include: 

    • Accidental damage or loss. 
    • Third-party liability. 
    • Fire. 
    • Theft, attempted theft or hijacking.  
    • Non-standard accessories.  

    RELATED: YOUR CAR INSURANCE QUESTIONS ANSWERED 

      

    What Is a Car Warranty and How Is It Different? 

    A warranty isn’t about accidents. It’s cover for your car parts that protects you from the hefty price of mechanical or electrical failures. If your engine, gearbox, or electronics give in, warranty cover helps with the repair bills. 

    Here’s a quick comparison 

    Feature  Car Insurance  Car Warranty 
    Covers  Accidents, theft, fire, natural disasters  Mechanical/electrical failures 
    Mandatory  Required if you’re financing a car  Optional extra once your manufacturer warranty expires 
    Claim Process  Usually after accidents  Usually after breakdowns 
    Example  Pays for damage after a crash  Pays for new turbocharger if it fails 

     

    Where Can I Get Pet Insurance in South Africa? 

    At dotsure.co.za, pet insurance is kind of our thing. We are SA’s most trusted pet insurer, after all!* 

    What Pet Insurance Typically Covers 

    • Vet visits. 
    • Surgery and hospitalisation 
    • Accidental injuries 
    • Illness (only on certain dotsure.co.za pet plans) 
    • Chronic illness care (only on certain dotsure.co.za pet plans) 

    How to Choose the Right Pet Insurance Provider 

    • Look at what’s actually covered 
    • Check waiting periods and exclusions 
    • Compare claim processes 
    • Look for flexible plans that suit your pet’s needs and your budget.  

    Want more detail? Here’s a full breakdown: DO I REALLY NEED PET INSURANCE? 

     

    General Insurance FAQs 

    What Are the Most Common Questions in Insurance? 

    • What does my policy actually cover?
      Check your policy document for exact inclusions and exclusions. If you need any help, our friendly consultants are happy to help. Contact us and let’s break it down. 
    • Do I have to pay an excess?
      Yes, this is the amount you are responsible for when making a claim. 

    RELATED: WHAT IS INSURANCE EXCESS? 

    • What happens if I miss a payment?
      Your cover could be suspended, which means won’t be covered for incidents and you won’t be able to claim until it’s up to date. 
    • How do I submit a claim?
      Most insurers let you do this online. At dotsure.co.za, you can skip the queue and claim in minutes via the Manage Portal. 
    • Can I adjust my cover if my circumstances change?
      Yes. With dotsure.co.za, you can upgrade or downgrade anytime! 

     

    How to Get the Most Out of Your Insurance Policy 

    Reading the Fine Print 

    It’s not always fun, we know, but your policy wording tells you exactly what you’re covered for and what’s excluded. Give it a read through and let us know if you have any questions! 

    Reviewing Your Cover Regularly 

    Life changes. Maybe you’ve moved, bought a new car, or adopted a new pup. Reviewing your cover at least once a year helps ensure you’re not overpaying or underinsured. 

     

    Your Questions Answered 

    Insurance doesn’t have to be confusing or boring. Whether it’s your car or your whiskered family member, we’ve got you covered! Do you still have some insurance FAQs we haven’t answered? Browse some of our blogs, or contact us by calling 0861 368 7873 or sending an email to [email protected]. 

     

    More FAQs Answered: 

     

     

     

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

    Ts & Cs and possible exclusions may apply and can be obtained by emailing [email protected].  

    Dotsure Limited (Registration number 2006/000723/06) is a licensed non-life insurer and authorised financial services provider (FSP39925). 

  • YOUR CAR INSURANCE QUESTIONS ANSWERED

    YOUR CAR INSURANCE QUESTIONS ANSWERED

     

    Buying car insurance can feel like decoding a secret language. “What does this cover?” “Do I really need this extra?” “How do I even get a quote online?” Don’t worry, we’ve got your back. Let’s break down all your car insurance questions and accelerate your knowledge from zero to expert! 

     

    What Does Car Insurance Cover? 

    The answer depends on the type of policy you choose. 

    Types of Car Insurance Cover 

    In South Africa, your main options are: 

    • Comprehensive Insurance: Covers you for accidental damage, theft, hijacking, fire, and damage to the property of others. 
    • Third-Party, Fire & Theft: Covers damage you cause to the property of others, plus fire or theft of your car. 
    • Third-Party Only: This only covers damage you cause to other people’s property. 

    RELATED: INSURING YOUR CAR FOR RETAIL, MARKET, OR TRADE VALUE 

    What’s Included and What’s Optional? 

    Depending on the type of plan you choose, cover usually includes accident repairs, towing, and third-party liability. Extras such as cover for your minor scratches and dents are often optional add-ons.  

    Are you curious what your cover might cost? Get a quick car insurance quote online. 

     

    How to Choose the Right Car Insurance 

    Customising Your Policy Based on Driving Habits (Name Your Price™) 

    With our Name Your Price™ car insurance, you can literally tailor your policy to your lifestyle. You drive less? Pay less. Not driving on weekends? Turn it off and slash your monthly premium! 

    Factors That Affect Your Premium 

    Insurers weigh up: 

    • Your car: Make, model, age, and repair costs. 
    • Your profile: Age, driving history, and where you park your car. 
    • Risk factors: Theft hotspots, accident statistics. 
    • Extras: Telematics devices such as our dotsure.co.za Smart-box, which monitors driving, can lower premiums if you drive well. 

    RELATED: HOW INSURANCE COMPANIES CALCULATE YOUR PREMIUMS 

     

    How to Get Car Insurance in South Africa 

    Eligibility Criteria 

    To qualify, most South African drivers usually need: 

    • A valid driver’s licence 
    • A registered and roadworthy vehicle 
    • To be the registered owner or stand to suffer a financial loss 
    • To be the regular driver of the car or disclose who is 

    How to Get Car Insurance Online 

    Good news! You don’t need to wait in call centre queues! Sign up online in just a few clicks and you’re covered. Here’s how it works: 

    1. Fill in your details. 
    2. Compare multiple cover options instantly 
    3. Choose the plan that works best for you. 
    4. Customise your cover with Name Your Price™ 
    5. Cover your ride. 

    Get car insurance online right now! Plus, once you’re signed up, you can manage your policy online with our 24/7 Manage Portal or chat with Ace , our AI-powered chatbot,  online or via WhatsApp to answer any queries. 

      

    Understanding Claims 

    Accidents happen. The question is: what’s the process and how do you claim? 

    When to File a Car Insurance Claim 

    File a claim as soon as possible after an accident, theft, or damage. Most insurers (including us) would like notification within 48 hours. Once you have submitted your claim, we will process it and pay out valid claims within 5 days. 

    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 AR report and CAS No. (must be obtained within 24 hours of the incident). 

    Having this ready speeds up processing and gets you back on the road faster. You can track your claim in real-time via Ace, your 24/7 insurance assistant. 

    RELATED: HOW TO CLAIM ON YOUR CAR INSURANCE 

     

    Managing Your Car Insurance 

    Even after you’re insured, questions pop up. Here are two we hear a lot. 

    Why Do I See 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 Still Need a Smart-box If I Already Have a Tracker? 

    Yes, they’re different. 

    • Trackers help recover stolen cars. 
    • The Smart-box offers more than just tracking. It provides insights into your driving behaviour, which allows us to tailor your premium and cover to your specific driving habits. 

    With your dotsure.co.za Smart-box and the MyNetstar App, you’ll unlock: 

    • Real-time driving feedback. 
    • Built-in safety tools. 
    • Rewards for safer driving. 

    The better you drive, the more you are rewarded! 

      

    Car Insurance Myths, Busted 

    “Third-party insurance is enough.”  

    This only covers damage you cause to someone else’s property, not your own car. 

    “I don’t need to update my details.”  

    Outdated info can delay claims or mean it won’t be paid at all. Keep it fresh via Ace or the Manage Portal. 

    “I can wait weeks before filing a claim.”  

    The sooner, the better. Filing your claim ASAP helps for smooth processing. 

     

    Getting the Most Out of Your Cover 

    See, car insurance doesn’t have to be complicated! And, with the right info, flexible cover like Name Your Price™, and tools like Manage Portal at your side, you can confidently navigate your policies. 

    If you have any other car insurance questions, please call us on 0861 368 7873 or send an email to [email protected]. We’d love to assist you, and we welcome any feedback from our family members! 

     

     

     

    Ts & Cs and possible exclusions may apply and can be obtained by emailing [email protected].  

    Dotsure Limited (Registration number 2006/000723/06) is a licensed non-life insurer and authorised financial services provider (FSP39925). 

  • THE TRUE COST OF OWNING A SUZUKI

    THE TRUE COST OF OWNING A SUZUKI

     

    So, you’ve got your eye on a Suzuki. They’re fun, reliable, and easy on the eyes. But before you drive off into the sunset, it’s worth looking at the real costs of owning one. From monthly instalments to car insurance, here’s what you need to know to budget smartly. 

     

    RELATED: ASIAN CAR BRAND IN SA 

     

    Driving Into Reality: Buying a New Car 

    A shiny new car is tempting, but it’s not just the sticker price that matters. You’ll need to think about your deposit, financing, and how interest rates affect your monthly payments. In South Africa, most buyers choose to finance a car through a bank loan, and the terms you agree on can have a huge impact on your budget. 

     

    The Road to Ownership: Buying a Car in South Africa 

    The process of buying a car locally usually involves: 

    • Choosing your model  
    • Paying a deposit (usually around 10% of the total cost) 
    • Applying for vehicle finance through a bank or dealership 
    • Factoring in extras such as registration, licensing, and on-the-road fees 

    It sounds simple, but these steps can add up, especially when you’re factoring in long-term ownership costs.

     

    Crunching the Numbers: Monthly Costs of a Suzuki 

    The cost of a monthly instalment depends on the car’s price, the size of your deposit, the interest rate, and the loan term. 

    • Suzuki Swift: From around R3,500 to R4,500 per month (depending on spec). 
    • Suzuki Jimny: Expect around R5,500 to R6,500 per month. 
    • Suzuki Vitara: Closer to R6,000 to R7,500 per month. 

    These estimates are based on a five-year repayment with a reasonable deposit and average interest rates. Actual figures may vary. 

     

    Adding Protection: Car Insurance in South Africa 

    Car insurance is a must, not just for peace of mind, but also because most banks require it for financed vehicles. The cost depends on your age, driving history, location, and the car model. 

    On average, South Africans pay between R1,200 and R2,000 per month for car insurance, but smaller cars like a Suzuki Swift can be more affordable, sometimes falling below R1,000 depending on your risk profile. A Jimny or Vitara may cost more due to higher values and repair costs. 

     

    Extra Bumps: On-the-Road Fees 

    When you sign your car deal, you’ll encounter some unavoidable extras. These may include: 

    • Licensing and registration 
    • Number plates 
    • Delivery fees 
    • Admin charges from the dealer. 

    These costs can add between R5,000 and R10,000 to your upfront price. Always ask for a breakdown so you know exactly what you’re paying for.

     

    The Sneaky Side: Hidden Costs of Car Ownership   

    Beyond your monthly instalment and insurance, there are a few costs that tend to catch drivers by surprise: 

    • Fuel: Suzuki cars are famously fuel-efficient, but petrol prices fluctuate. 
    • Maintenance & servicing: Regular servicing is essential to keep your warranty valid. 
    • Tyres & wear-and-tear: These creep up over time, especially if you love road trips. 
    • Extended warranties & service plans: Helpful, but they add to your monthly or upfront cost. 
    • Interest rate changes: If you’re on a variable rate, your monthly payments can shift. 

     

    Is a Suzuki the Right Choice for Your Budget? 

    Suzuki has earned a reputation in South Africa for being affordable, reliable, and great value for money. But like any car, it comes with ongoing responsibilities. The key is to budget wisely and go into ownership with your eyes wide open. 

    If you’re considering getting behind the wheel of a Suzuki, make sure your car insurance is sorted too. At dotsure.co.za, we’ve got personalised options to help protect your ride. Ready to chat? Contact us today and let’s find the cover that suits your lifestyle and budget!  

     

    RELATED: NEW VS USED CARS; VEHICLE OWNERSHIP TRANSFER COSTS 

  • 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 [email protected] 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: [email protected]

     

    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 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.

  • 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.