Tag: frequently asked questions

  • 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). 

  • SECURING YOUR SUCCESS: BUSINESS INSURANCE FAQS UNLOCKED

    SECURING YOUR SUCCESS: BUSINESS INSURANCE FAQS UNLOCKED

    Understanding How Business Insurance Works

    Running a business comes with its fair share of risks and having the right insurance is essential to protect your business when the unexpected happens. Whether it’s a flood, a fire or something entirely out of the blue, having cover means you’re not left picking up the pieces on your own. Business insurance can be tricky, but with dotsure.co.za, it doesn’t have to be. We’ve answered the top business insurance FAQS so you can confidently protect what matters.

     

    What is the Purpose of Business Insurance?

    It’s all about protecting your business from considerable, unexpected costs. If something goes wrong, your insurance can help cover the bills so that you and your business can keep going without a substantial financial hit.

     

    What Does General Business Insurance Cover?

    General business insurance typically covers your business against perils such as theft, fire, rain, and floods. Our business insurance allows you to choose from up to 20 cover sections to tailor your policy to your specific needs.

    • Buildings Combined: Cover for physical damage to your business building.
    • Office Contents: Protection for office equipment and furniture.
    • Business Interruption: Compensation for loss of income due to unforeseen disruptions caused by an insured peril.

    We also offer specialised cover for industries such as veterinary services, churches, and hospitality businesses.

     

    What Insurance is Most Important for a Business?

    That depends on your business type, but most need:

    • Cover for Building and contents as well as plant and tools
    • Public liability insurance in case someone gets hurt or takes legal action against you
    • Cover for business vehicles such as bakkies or vans
    • Business interruption insurance
    • Electronic equipment cover to protect your computers

     

    What Type of Business Insurance Do I Need?

    That depends on your business. We’ll look at:

    • What kind of work you do
    • How many people you employ
    • What assets or equipment you want to cover
    • The area in which you operate your business

    Pro tip: Our team is ready to chat and help you build a tailored insurance package that is relevant to your business and makes financial sense.

     

    What is Covered Under the Fire Section?

    Our fire section provides coverage for damage caused by:

    • Fire or lightning
    • Earthquake or explosions
    • Storms, wind, water, or hail
    • Impact damage (from trees, vehicles, satellite dishes, etc.).

    A full breakdown of the cover and conditions can be found in the policy wording.

     

    Does Business Insurance Cover Company Cars?

    Yes, if you choose commercial vehicle cover. Your business cars, bakkies and delivery vans can be covered for:

    • Accidents
    • Theft and hijacking
    • Windscreen for replacement or repairs
    • Hail damage, which is a genuine concern in some areas of our country
    • Third-party liability (damage to someone else’s property)

    Bonus: Our business vehicle policies are issued with an Open Driver clause. This means that anyone with your permission and a valid South African driver’s licence may drive the vehicle.

     

    What is SASRIA Cover?

    SASRIA (South African Special Risks Insurance Association) is included in your policy at an additional premium and provides cover for damage to your property caused by:

    • Riots, strikes, or public disorder
    • Civil commotion
    • Acts with political, social, or economic aims

     

    What is Business Interruption Insurance?

    If a fire or severe storm, for example, forces you to shut down your business temporarily, business interruption cover helps you stay afloat. Cover is based on your gross profit which includes:

    • Rent
    • Staff salaries
    • Lost profit
    • Moving to a temporary space.

     

    How Much Does Business Insurance Cost in South Africa?

    The cost depends on your insurance needs. Our trained staff will ensure that you get the best premium that works for your business and your budget.

     

    What Should I Do to Keep My Business Insurance Expenditure Low?

    Here are a few smart ways to save:

    • Bundle different cover options under one policy
    • Look after your property as if you do not have any insurance cover
    • Install security systems such as alarms or cameras
    • Avoid frequent, small claims
    • Opt for a higher excess and budget for it.

     

    What is Risk Analysis?

    Risk analysis helps us identify what could go wrong in your business so that we can:

    • Recommend the right cover
    • Set a fair premium
    • Spot potential gaps or risks and make sure you’re adequately protected

     

    Final Thoughts: Get the Most Out of Your Cover

    Do you still have questions? No problem! These business insurance FAQS are just the start. Every business is different, and our team is here to help you find the right cover to protect yours. Get in touch today for personalised advice or a quick, no-fuss quote with dotsure.co.za.

  • WARRANTY KNOW-HOW: YOUR MOST COMMON QUESTIONS ANSWERED

    WARRANTY KNOW-HOW: YOUR MOST COMMON QUESTIONS ANSWERED

     

    Understanding How an Extended Car Warranty Works

    When it comes to keeping your car in top shape, unexpected breakdowns can be a real headache. That’s where an extended car warranty steps in, providing a safety net for costly repairs. Below, we answer the most common questions about extended car warranties to help you make an informed decision.

     

    What is an Extended Car Warranty?

    An extended car warranty covers the repair or replacement costs of specific mechanical and electrical components after your manufacturer’s warranty has expired. At dotsure.co.za, our plans cover key components most likely to fail, ensuring you’re not left with a hefty repair bill. We offer flexible options tailored to your needs and budget, covering cars up to 15 years old and with up to 300 000 km on the clock.

     

    What is an RMI-Approved Service Centre, Mechanic, or Workshop?

    RMI stands for the Retail Motor Industry Organisation, a body that accredits service centres and mechanics in South Africa. Choosing an RMI-approved service provider ensures that your car is in the hands of trusted professionals who adhere to industry standards and fair pricing.

     

    Does This Cover My Annual Services?

    An extended car warranty primarily covers unexpected mechanical failures and electrical issues, as it is not a service plan. However, some of our plans have an optional service extension, which entails an additional premium, where we can contribute a specified amount to your annual service.

     

    How Much Do Car Parts Cost?

    Mechanical and electrical parts vary in price depending on the make and model of your car. Unfortunately, many of these parts can be quite expensive. With an extended car warranty, you can avoid these steep costs by ensuring that crucial components are covered, saving you from unexpected financial strain.

     

    What is Basket Cover?

    Basket cover refers to the total payout you qualify for if multiple components fail simultaneously. In other words, it’s the cap on the total amount that can be claimed for all component failures covered under your warranty plan. This feature ensures that you have clarity on the maximum financial protection provided.

     

    Get the Most Out of Your Cover

    With an extended car warranty, you can drive with peace of mind, knowing that the most critical (and expensive) parts of your vehicle are protected.

    If you have any further questions or need assistance, feel free to call us on 0861 368 7873 or send an email to [email protected].