Answering Your Car Insurance Questions

Whether you're a first-time buyer or an experienced driver, car insurance can be tricky. But fear not, we’re about to accelerate your knowledge from zero to expert!

 

What Does Car Insurance Cover?

Depending on the policy type, car insurance covers the damages or total loss of your vehicle. This includes accidents, theft, hijacking, fire, third-party liability, and non-standard accessories.

 

How Do I Choose a Car Insurance Policy?

Our car insurance allows you to customise your cover to suit your needs. You can exclude certain options (such as hail cover, weekend driving, night-time driving, etc.) to lower your premium. This flexibility allows you to tailor your policy based on your driving habits and only to pay for the cover you need.

RELATED: Save on your car insurance.

 

How Can I Get Car Insurance?

To qualify for car insurance, you'll need to meet the following criteria:

  • Have a valid South African driver’s licence (no learner's licences).
  • Be at least 20 years old, but no older than 80.
  • Your car must be under 20 years old.
  • The car's Gross Vehicle Mass (GVM) must be under 3 500 kg.
  • The vehicle cannot be used for courier services, driving schools, or security services.

 

How Do I Log a Claim?

The best way to submit a claim is through the Manage Portal. Once you're logged in, head to the “Overview” page, find the product you'd like to claim for, and click “Submit Claim.” Make sure to have the following information handy:

  • Policy number; ID number; image of vehicle license.
  • Date, time, and cause of the incident.
  • SAPS report (must be obtained within 24 hours of the incident).

 

Why Do I Have Multiple Debits?

If you notice multiple debits, it's probably due to value-added products you’ve chosen to add to your car insurance policy. These products carry separate premiums and are debited individually each month.

 

Do I Need to Fit a Smartbox Device if I Have My Own Tracker?

Yes, if you opt for our comprehensive car insurance policy. The Smartbox offers more than just tracking. It provides insights into your driving behaviour, which allows us to tailor your premium and coverage to your specific driving habits.

 

Get the Most Out of Your Cover

If you have any other questions, please call us on 0861 368 7873 or send an email to u2us@dotsure.co.za. We’d love to assist you, and we welcome any feedback from our family members!