Tag: car insurance

  • 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

  • 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!

  • 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). 

  • 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!

  • 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! 

     

  • DOES INSURANCE COVER HIJACKING IN SOUTH AFRICA?

    DOES INSURANCE COVER HIJACKING IN SOUTH AFRICA?

    Hijacking is an unfortunate reality on South African roads. With carjackings on the rise, many vehicle owners are worried about the financial implications. So, does your insurance cover hijackings in South Africa?

     

    How Common Is Hijacking in South Africa?

    According to the South African Police Service (SAPS), carjacking incidents have shown an upward trend in recent years, with thousands of cases reported annually. Criminals often operate in coordinated groups, targeting both private and business vehicles.

     

    Where Do Most Hijackings Take Place?

    While hijackings can happen anywhere, certain areas are considered high-risk. Hotspots often include:

    • Residential driveways during entry/exit
    • Intersections with high traffic volumes
    • Quiet streets near shopping malls
    • Petrol stations
    • Areas near schools and ATMs.

    Urban provinces like Gauteng, KwaZulu-Natal, and the Western Cape typically report the highest numbers of hijackings.

     

    Does Car Insurance Cover Hijacking?

    If your vehicle is hijacked, most insurers will typically pay out based on the market, retail, or agreed value of the car (depending on your policy). However, it’s essential to read the fine print, as not all policies include hijacking cover by default.

    Check that your car insurance includes:

    • Hijacking and theft cover
    • Towing and recovery costs
    • Temporary transport contribution.

    Also, check whether personal items inside the vehicle are covered. dotsure.co.za offers cover for Portable Possessions as an optional cover section.

    RELATED: CAR INSURANCE: WHAT’S COVERED?

     

    How Do Insurance Companies Pay for Recovered Hijacked Vehicles?

    If your car is recovered after a hijacking, your insurer will assess the vehicle for damage and decide on the next steps. Depending on the condition:

    • If the vehicle is repairable, the insurer may pay for repairs and return the car to you.
    • If the vehicle is written off, the insurer will pay out according to your policy terms.
    • If major parts are missing, such as the engine or transmission, this may influence the payout value.

    In either case, you’ll need a police case number and a detailed report for the claim process to begin.

     

    What Are the Safety Tips for Avoiding a Hijacking?

    Prevention is essential when it comes to hijackings. Here are some practical tips:

    • Be aware of your surroundings, especially when entering or leaving your driveway.
    • Avoid distractions such as using mobile phones while driving.
    • Leave enough space between you and the car in front to allow for a quick getaway.
    • Drive with doors locked and windows rolled up.
    • Avoid routine travel patterns. Switch your routes and times.
    • Be extra cautious at intersections and stop streets.
    • Avoid leaving valuable items visible (on cars seats or consoles).

     

    Protect What Moves You 

    Life is unpredictable, but the right insurance can give you peace of mind. At dotsure.co.za, we offer comprehensive car insurance that includes hijacking cover as a standard benefit (subject to Ts & Cs), along with flexible excess options and fast claims. We also offer business insurance that protects your business vehicles, including theft, hijacking, and accidental damage.

    Contact us or quote online today!

  • 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

  • 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!

  • 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!

  • BLACK FRIDAY DREAM LIST: THE CAR DEALS WE WISH EXISTED

    BLACK FRIDAY DREAM LIST: THE CAR DEALS WE WISH EXISTED

     

    Looking for New Car-Related Deals?

    Owning a car can sometimes feel like an endless money pit, with hidden costs at every turn. But what if Black Friday could offer us a break? Imagine the thrill of seeing those dreaded car-related expenses finally shrink.

     

    Cheap Cars for Sale

    Buying a new car in South Africa is becoming more daunting as the local motor industry faces a steady decline. For the dreamers hoping to hit the road in their own set of wheels, a Black Friday deal sounds awesome.

    Fortunately, some local dealerships and online vehicle retail portals are getting in on the action with cash-back offers of up to R10,000, trade-in specials, and other eye-popping deals.

     

    Better Car Insurance Prices

    Since only about 30% of vehicles in South Africa are insured, it’s clear that many people are struggling to keep up with this essential service.

    Even though it’s legally forbidden for insurers to incentivise policy purchases, we can still wish for a day when car insurance comes with a Black Friday-sized price tag.

    Lucky for you, dotsure.co.za already offers great savings the entire year. You can get a 20% lifetime discount when buying online, and customise your cover to only pay for what you need.

     

    Fuel for Thought

    If there’s one thing we all wish Black Friday could fix, it’s the ever-climbing fuel prices. We all know the drill: the only thing rising faster than petrol prices is our collective frustration.

    Picture this: discounted petrol cards, cashback offers at the pump, or even price cuts on fuel purchases. That would be the kind of deal to make any car owner’s heart race for all the right reasons!

     

    Car Tyre Replacement

    Tyres are another pricey part of car ownership, and with South Africa’s infamous pothole-riddled roads, their lifespan can be even shorter.

    Wouldn’t it be amazing if Black Friday brought us affordable tyre deals? Imagine snagging premium tyres at half the usual cost. Now, that would be a victory for your wallet and your peace of mind.

     

    Annual Car Services

    Maintaining your car’s health with regular services can drain your savings faster than you can say “oil change.” Most of us dread taking our cars to the mechanic, as each visit seems to come with a new hefty bill.

    What if Black Friday changed that narrative? Imagine an annual service at unbeatable prices, such as R200 for a full-service special. Now, that’s the kind of Black Friday deal we’d all get behind. While it may not be reality just yet, there’s always hope that one day service centres will jump on the Black Friday bandwagon.

     

    Keep Saving All Year

    This Black Friday, South African motorists need a break more than anyone.

    While most of these deals don’t exist (yet), we can always dream of a world where Black Friday discounts on car insurance, petrol, tyres, and service plans become as common as half-price TVs.

    Until then, dotsure.co.za is always here to help you save and enjoy value-packed benefits, making it feel as if it’s Black Friday all year long!

  • 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.

  • INSURANCE AND YOUR MENTAL HEALTH

    INSURANCE AND YOUR MENTAL HEALTH

     

    Peace of Mind Starts with Good Insurance

    Ever found yourself overwhelmed by a sudden car breakdown or an unexpected overnight vet visit? October is Mental Health Awareness Month, and at dotsure.co.za, we understand that life’s curveballs can impact more than just your wallet—they can affect your mental well-being, too. Having the right insurance for your business, home, cars, or pets can ease some of that mental burden. Here’s how having good insurance can make a difference.

    How Insurance Impacts Your Mental Health

    Reduces Financial Anxiety

    One of the most significant stressors in life is money—especially when it comes to unexpected costs. If your car breaks down or your pet needs an overnight visit to the vet – without insurance, these expenses can hit hard. But with dotsure.co.za’s flexible and extensive insurance options, you can avoid the anxiety and financial strain, knowing you are covered.

    Your Safety Net

    Insurance provides a crucial safety net. Whether you were in a car accident or your home was broken into – you won’t be left scrambling to pick up the pieces. Insurance can be a life-saving safety net that can make all the difference to your mental well-being.

    Peace of Mind

    Without insurance, the fear and worry of the unknown can weigh heavily. When you’re insured, you’re assured to rest easy knowing that you’re covered no matter what happens. This peace of mind lets you focus on the things that matter most—your family, work, and well-being.

    Supports Wellness

    Being insured doesn’t just help in a crisis—it can also support your overall wellness. Some insurance policies, like our Superior and Ultimate Pet Plans, even cover wellness visits, and our Smart-Driving App offers a discount on your car insurance premium for better driving habits. As SA’s #1 Insurer***, we promote a healthier, more balanced life for you and your loved ones.

    Take the Stress Out of the Equation

    While life can be unpredictable, that doesn’t mean your mental health has to suffer. Our purpose is to provide our fans with Soft Landings. With comprehensive insurance from dotsure.co.za, you can protect yourself from these uncertainties, giving you one less thing to worry about.

    The bottom line is this: Taking care of your mental health is just as important as taking care of your car, home, or pets.

     

    **Voted SA’s #1 Pet insurer 2023/2024. The Star, Die Burger, Beeld, City Press

  • THE ULTIMATE GUIDE TO NAMING YOUR RIDE

    THE ULTIMATE GUIDE TO NAMING YOUR RIDE

     

    How to Pick the Perfect Name for Your Car

    2 October is International Name Your Car Day, so we thought we’d give you the ultimate guide to help name your ride. Whether you’ve just got a new car or your current vehicle is nameless (shame, man), your travel buddy deserves to be named!

    Why Name Your Car?

    Your car is so much more than just a machine on wheels. It has personality, it’s unique, and it’s an extension of who you are. Together, you and your car will take on the open road, from family trips to snack runs, from first dates to last goodbyes. Our vehicles carry our story, and all stories must have a name! So, here are our top tips for picking the perfect name for your car.

    Consider the Personality

    As we have mentioned above, your car has a personality too. Is yours fast and sleek, slow and steady, big and chunky? Think about how your car drives, if it’s second-hand – where it came from, and consider its quirks or even its colour! A vibrant red sports car might need a name such as “The Flash”, or a hard-working bakkie could be called “Kaptein”. But get creative. Someone named their new Fortuner “Pamela” because of the big headlights… 10/10 score from us.

    Consider your ride’s personality for inspiration, too. If your car reminds you of Dobby from Harry Potter or Marceline from Adventure Time, go for it!

    Consider what you’ll be using it for

    What do you plan on doing in your car? Is it a workhorse or the school carpool, or are you heading for outdoor adventures? Try matching the name to those activities. If you plan to go on many camping trips, you could try “Marshmallow” or “Happy Camper”. If you’re going to be using your car for picking up the kids, you could try “Munchkin Express”, or if you’re using it for business, “Boss Diva”.

    Keep it Simple

    Finally, you want other people to understand your car’s name. Plus, you’ll use this name often, so make sure it rolls off the tongue. Short and punchy is the way to go, so steer clear of anything too complicated such as “The Grand Turbo-Transporter 500”— try saying that five times fast!

    Be Creative

    Let your imagination do its thing. No matter what name you choose, the most important thing is that it makes you smile.

    Speaking of names…  Name Your Price™ car insurance from dotsure.co.za will protect your car, no matter what you call it.

  • 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.

     

  • 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.

  • 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!

  • 5 AFFORDABLE ELECTRIC CARS YOU CAN BUY IN SA (2023).

    5 AFFORDABLE ELECTRIC CARS YOU CAN BUY IN SA (2023).

     

    Following Formula E’s historic visit to Cape Town, it’s clear South Africa is revving up for a greener future. However, the issue of load shedding raises concerns about the feasibility of using electric cars. Getting stuck without petrol is every motorist’s worst nightmare. Just imagine an electric car without any juice.

    Despite these challenges, the potential benefits of electric cars in South Africa, such as reducing air pollution and decreasing dependence on fossil fuels, make it a promising and important development in the country’s sustainable future.

    So, without further ado, let’s check out the 5 cheapest electric cars you can buy in South Africa in 2023, including their price and estimated kilometre range.

     

    5 affordable electric cars charging into South Africa 

    The future is electric, and the automotive industry is evolving quickly to meet the growing demand for sustainable transportation. South Africa is no exception. There are a number of affordable electric cars available on the market. Here’s a table with the price range and estimated kilometre range for each of the 5 cheapest electric cars you can buy in South Africa in 2023:

    Electric Car Model Price Range (ZAR) Estimated Range (km)
    Mahindra eKUV100 R185,000 – R300,000 147 km
    BYD e2 R250,000 – R550,000 305 km
    BAIC EU5 R350,000 – R400,000 401 km
    Nissan Leaf R350,000 – R550,000 270-385 km
    Opel Corsa-e R400,000 – R700,000 330 km

     

    Note: The estimated range for each car model is based on the manufacturer’s specifications and may vary depending on factors such as driving style, weather conditions, and terrain. The price range for each car model is estimated and subject to change based on various factors such as market demand, availability, and exchange rates. Prices may also vary depending on the model and any additional features selected.

     

    Mahindra eKUV100

    The Mahindra eKUV100 is a compact and affordable electric car with a price range of R185,000 to R300,000. It has an estimated range of 147 km on a single charge, which makes it ideal for short trips and city driving. It has a 15.9 kWh battery and can be charged from 0-80% in approximately 6 hours and 30 minutes. A full charge may take about 8 hours.

    BYD e2

    The BYD e2 is a stylish and affordable electric car with a price range of R250,000 to R550,000. It has an estimated range of 305 km on a single charge, making it a great option for longer commutes and weekend getaways. It has a 35.2 kWh battery and can be charged from 0-80% in approximately 6 hours and 30 minutes. A full charge may take more or less 8 hours.

    BAIC EU5

    The BAIC EU5 is the third cheapest electric car available in South Africa in 2023, with a price range of R350,000 to R400,000. It has an estimated range of 401 km (the longest on a single charge), making it a practical and affordable option for daily commuting and longer trips. It has a 53.6 kWh battery and can be charged from 0-80% in approximately 9 hours and 30 minutes. A full charge may take 12 hours.

    Nissan Leaf

    The Nissan Leaf is another affordable electric car available in South Africa in 2023, with a price range of R350,000 to R550,000. It has an estimated range of 270-385 km on a single charge, depending on the battery size and driving conditions. It has two battery options: 40 kWh and 62 kWh. The 40 kWh Leaf can be charged from 0-80% in approximately 5 hours, while the 62 kWh Leaf can be charged in more or less 8 hours.

    Opel Corsa-e

    The Opel Corsa-e is a popular and affordable electric car with a price range of R400 000 to R700 000. It has an estimated range of 330 km on a single charge, making it a practical and stylish option for daily use. It has a 50 kWh battery and can be charged from 0-80% in approximately 7 hours and 30 minutes. A full charge may take 9 hours and 30 minutes.

     

    100% paperless car insurance for your eco-friendly car

    The electric vehicle market is rapidly expanding in South Africa, and there are a number of affordable options available. Each of these electric cars has its own unique features and advantages. When deciding which one to purchase, it’s important to consider your individual needs and lifestyle to determine which electric car is the best fit for you. Additionally, if you’re looking to reduce your environmental impact further, consider opting for 100% paperless car insurance. dotsure.co.za’s Name Your Price car insurance is the perfect option for eco-friendly cars. It can help improve your carbon and spending footprint.

  • HERE’S WHAT OUR CLIENTS REALLY THINK ABOUT US!

    HERE’S WHAT OUR CLIENTS REALLY THINK ABOUT US!

    It was Bill Gates who famously said that your most unhappy customers are your greatest source of learning. We take our customer feedback very seriously and we crave your feedback. At dotsure.co.za our products and services are truly centred on real customer value, as such we are fanatical about learning what customers want.

    Don’t take our word for it though, here’s what some of you had to say.

     

    Lynda

    Outstanding assistance from dotsure.co.za’s Client Care Consultant

    “Registered online over the weekend – easiest process ever. Requested an amendment on Monday morning before 8. Taahirah contacted me just past 8, friendly, most accommodating, even ensured that I was well informed about other options. I was really impressed by her professionalism and friendliness.”

     

    Faren

    Exceptional client service

    “I would just like to give a special commendation to Chadwick who helped me get some insurance for my precious fur child. He was very polite, accommodating and had a good sense of humour. Thank you for your help!”

     

    Kaila

    Excellent service

    “Thank you dotsure.co.za for excellent service. Your consultant that helped me was very friendly, kind and helpful. I highly recommend dotsure.co.za to anyone looking for pet insurance. They have a wide variety of plans to fit anyone’s budget. And again, thank you dotsure.co.za for wonderful service.”

     

    Lili

    dotsure.co.za rocks!!!

    “This review is just to make sure that everybody knows just how amazing it is to deal with dotsure.co.za insurance, I have had the most amazing service with one specific lady by the name of Sarah-Joy.  She was quick, professional and efficient and with no time wasted she had me totally sorted… thank you so much Sarah for making my journey with dotsure.co.za such a pleasure!”

    May I also take this opportunity to thank Jason on his service and professionalism… dotsure.co.za can be so proud to have such amazing people like Jason and Sarah on their team… in fact I’m convinced the entire dotsure.co.za team are all simply the BEST !!!”

     

    Lynette

    Super amazing service!

    “Bianca is absolutely amazing and definitely has the right kind of attitude for the job. She is super friendly and definitely goes the extra mile to assist, if you ever want to take out pet insurance do not hesitate to ask for Bianca, the company should be proud on staff members like her, you definitely go above and beyond Bianca”.

     

    Fiona

    Thank you!

    “Hi dotsure.co.za, I normally dread dealing with new businesses (to me) and pushy sales persons. However, your service approach is perfect, and I am really impressed with how quickly and efficiently you understood my needs.  In addition, Taylor, sound like a very nice person. Thank you for your excellent service and caring attitude. I experienced the following:

    • Prompt call back
    • No pressurization to take out insurance (very important to me)
    • My requirements taken into full consideration
    • Option I can afford suggested and all details of the plan clearly explained
    • Documents and policy sent to me very timeously
    • Pet details recorded correctly in policy”

     

    Lee-Anne

    Super impressed!

    “Super impressed with dotsure.co.za. I took my babies for their vaccinations, submitted the claims the previous day and had my money in my account the next day”.

    We’d love to hear from you. Rate our service, let us know what you like, what you don’t and most importantly, what you need.

     

  • READ THIS IF YOU DRIVE A POLO

    READ THIS IF YOU DRIVE A POLO

    YOLO, Polo!

     

    We love the Volkswagen Polo, right? It’s sexy and drives like a dream on the open road. It’s no surprise that the Polo is one of South Africa’s best-selling vehicles. In 2017, more than 20 000 brand-new Polos were bought. The 2018 numbers are blowing up due to the facelift, interior options and new engine sizes. It’s no longer just a car, it’s a lifestyle and the image of perfection.

     

    Uh oh…

    Although it’s got the looks, there is a glitch in the 2018 model’s safety features. The new Polo’s rear left seatbelt has a technical problem. In some situations, for example during a fast lane change test (with five passengers inside the roadster), two seatbelt buckles can press against one another, causing the lock of the outer left seat to pop open by accident. This puts the left passenger in dire danger as they will be travelling without a seatbelt if it unclips.

    As a result of the faulty seatbelts, Volkswagen has announced an international recall on over 220 000 new 2018 model Polos. SEAT Ibiza and Arona, are also affected by the defective seatbelts and new models of these vehicles will also be recalled.

     

    …there’s a solution waiting for you.

    “At Volkswagen, safety remains a main priority,” says Volkswagen, Germany. “The brand has identified a technical solution: a redesigned belt-lock fixture which will prevent this from happening.” Customers will receive a letter advising them to make an appointment with a Volkswagen service partner. The check, as well as the implementation of the redesigned belt-lock fixture, will be free of charge.

    Not sure if your new Polo is affected? Please contact Volkswagen South Africa.

    Back on the road

    Don’t worry, you’ll be safe once your baby’s belts are fixed. Remember, nobody’s (car) is perfect. Face the flaws and keep your Polo in tip-top shape.

    #Polo4life

     

    More on cars…

    https://www.dotsure.co.za/blog/think-like-a-criminal-to-prevent-car-theft

    https://www.dotsure.co.za/blog/why-does-my-car-have-body-odour

    https://www.dotsure.co.za/blog/how-to-wash-your-car-with-less-water

  • GET TO KNOW THE NEW MERCEDES BENZ X-CLASS BAKKIE

    GET TO KNOW THE NEW MERCEDES BENZ X-CLASS BAKKIE

    For cool farmers and hip tradespeople who love pickups, the Mercedes-Benz X-class is an upgrade, but don’t trade your SUV in just yet.

     

    The new Mercedes-Benz X-class has launched. In reality, it’s not new, it’s more like a newer version of Navara with a Mercedes-Benz bend.

     

    Like most leading car manufacturers, Merc interpreted the best and put a Benz on it. The X-Class pick-up truck could almost be the Nissan Navara incarnate, but the luxury car company applied its own touch and came up with a shiny, curvy … workhorse. This premium pick-up bakkie will take you off-road with a load in style. What a way to grab a gap in the automotive market. Is it good enough to keep it?

     

    The orange beast above is the Navara; the blue baby below is the X-class bakkie – long, solid, and balanced. On closer inspection, this new model a mix of what works (Nissan) and what Merc wants a pick-up to be. One day.

     

    It has the same wheelbase, ladder frame chassis, 2,3-litre Renault-developed turbo diesel engine, and switchable four-wheel-drive system as its Nissan inspiration. However, Mercedes-Benz tweaked the original design for better stability and a more comfortable ride. “Because it’s built on a ladder frame and has a solid rear axle,” Top Gear notes, “it’ll never match an SUV for comfort” but it is quiet up to 100km/hr (on 8l/100km) and “drives like there’s an extra layer of rubber in the suspension that’s soaking up punishment”. That’s great for bumpy country roads but probably overkill for a stylish trip to the shop.

     

    Speaking of style, no shortage of Merc magic in the X-class. While the starter button and the gear-lever scream Nissan, Merc lovers won’t be lost. It carries the cherished front grille, quintessential columns, familiar central screen, renowned rotary control and cues the ‘Benz girls and boys have come to love and rely on. The x-shaped air vents are a nice touch, too. The interior cabin has a distinctly premium feel although the entry-level model does use Nissan’s scratchy plastic dashboard surfaces.  It’s refined (for a pick-up) but while Mercedes is aiming it at almost everyone with aspirations and a bit of a load to move, it might not be about to knock your sexy SUV off its tracks.

     

    It doesn’t mind, though; it’s a tough baby and, at 163 or 190 horsepower, it sure knows how to work. It’ll carry up to 1,1 tonnes in weight. It will pull 3,5 tonnes. You know, your yacht or that new luxury tiny home you bought on impulse. The boot is huge at 1,2m by 1,6m. You know what they say about a big booty, eh? Sorry. Time to choose

    Choose between:

    • The X220d and X250d ranges
    • A 2,3-litre diesel engine with either 161 or 187bhp
    • A 6-speed manual or 7-speed auto gearbox
    • Pure, Progressive and Power trim levels

    Pay between:

    R642 103 (X220d 4×2 Progressive) and R818 340 (XZ250d 4×4 Power).

    Add-ons:

    • Roller covers and load liners – R38 000
    • Automatic gearbox – R28 000

    What to look forward to:

    • Merc plans to fit the 7cm longer track width with a V6 3L engine with permanent all-wheel drive later in the year.

    Top Gear sums it up with sass:

    Give it a long, slow look:

    This guy gives a great review and takes it for a spin:

    Liked this? You’ll love these!

    Car? Check. Driver? What driver? Driving goes AI.

    Hilux bakkie blues are not hot air.

    Eeyew. Left a coffee in the back seat too long?

    Navigate the traffic circle like a boss.