Suppose your basic excess is 10% of the claim with a minimum of R2,500. This means that the lowest excess you'll ever pay is R2,500. If the damage or loss of your vehicle is, for example, R50,000, you will need to pay 10% of that (R5,000). It's R2,500 or 10% of the claim (whichever is higher). You can reduce or increase your excess, but remember, the lower the premium, the higher the excess when you claim.

Most likely you've added essential products such as our Platinum Cover, Excess Buster, Scratchzone Cover, etc. These products carry additional premiums and are deducted as separate monthly debit orders.

You can get an online quote in less than 3 minutes. If you're happy with your quote, you can finalise your purchase and we will email you all your policy documents. Simply click this link and follow the easy steps.

On our Name Your Price™ motor policy, you can tell us what price you would like to pay for your insurance and we will adjust the cover to get as close to that as possible. Depending on your risk profile, this may mean we will apply certain Name Your Price™ limitations, for example, excluding hail or windscreen damage, limiting the distances your vehicle will be covered for (up to 500/1,000km per month), excluding cover for incidents after a certain time of the day or on weekends. You can also opt for any of the limitations to be applicable on your policy in return for a lower premium. For more detailed information on the exclusions and terms and conditions applicable to your policy, refer to your policy documents. You can access these documents via your Manage Portal.

Your NCB (No Claims Bonus) or previous insurance history indicates how long you have had uninterrupted full comprehensive insurance without any losses or previous claims. The longer you had uninterrupted cover, the bigger the discount you could receive on your monthly premium. With the inception of your policy, we require proof of your insurance history to validate this and for you to keep your premium discount. You will need to contact your previous insurer(s) for proof of this and send it to us within 30 days of your policy start date. If we don't receive it, your premium will be adjusted and claims may be affected.

You cannot waive your excess, but you can get Excess Buster. This additional product covers a portion of your excess payment in the event of a valid claim. This can be added to your policy at an additional monthly premium, to minimise the impact a claim has on your pocket.

If we settle a claim in this way, it means that you have opted for cash settlement as a means of claims settlement. This means that we settle your claims in cash so that you have the freedom to choose your own service providers and handle the accounts yourself. However, you can choose to have your claims settled the traditional way - just let us know and we'll update your policy accordingly.

We work with service providers nationwide, so all you need to do is call us on 0861 368 7873 and we'll send help ASAP. Please review your policy documents to ensure you have roadside assistance cover.

Yes. You are covered for damage to your own vehicle while being used for private purposes, but not for business-related travel or third-party liability (this can be purchased at the border). Remember to get a border letter from us before leaving RSA to ensure your car is covered.

If you're involved in an accident across the border, it will be your responsibility to bring the vehicle back across the border and into South Africa. Once your vehicle is within the Republic of South Africa's borders, we will be able to assist.

We don't offer a car hire benefit in the traditional sense. You can opt to add Platinum Cover to your policy at an additional monthly premium. This product pays out a cash amount towards the cost of car hire in the event of a valid motor claim. Also, by being our client, you are part of the Gold Club, an exclusive club that gets you discounts on car hire from some of the best providers (even when it's not related to a claim).

The costs to repair these damages are usually less than your excess, so the Scratchzone product can be added at an additional monthly premium. This will cover minor dents and scratches up to the policy limit.

To cover your vehicle's tyres and wheel rims in the event of unforeseen damage without any excess, you can add the Roadwise Tyre and Rim cover at an additional monthly premium. You'll be covered for accidental damage to your insured vehicle's mags, wheels, rims, and tyres up to the policy limit.

Yes, limited credit shortfall cover is included in all our vehicle policies, at no additional charge. When you sign-up, you will receive an SMS to activate the cover. If you haven't received the SMS, please contact our call centre on 0861 368 7873.

Our Name Your Price™ cover requires you to have a telematics device. A telematics device goes a bit beyond the normal tracker, by giving insights on your driving behaviour so we can tailor your premium and cover to your driving habits. You will also have access to your driving behaviour and see just how good a driver you are. The great news is, you don't need to have one before you start your policy. We can hook you up with one of our service providers and include it with your policy. The monthly fee for the telematics device is debited with your insurance premium, but you will be liable for payment directly to the service provider if you cancel your policy with us. If a pre-fitted tracking device can give us the data we need, then it may not be necessary to have the telematics device installed.

We currently have two telematics devices in use, the Smart Driver Tag, and the Smart-Box. The Smart Driver Tag is tied in with your insurance contract on a month-to-month contract. If you cancel your policy, the Smart Driver Tag subscription will also be cancelled. The Smart-Box is fitted to your car on a 36-month contract between you and Netstar. While you're insured with us, the cost of this Smart-Box is debited with your premium. If you cancel your policy, you will need to continue paying Netstar directly until the end of the contract period.

If you have the Smart Driver Tag in your car, you will need to install the dotsure.co.za telematics app when you activate your Smart Driver Tag. You will be able to monitor your vehicle and driving habits on the app. If you have the Smart-Box installed, you can monitor your vehicle on our Telematics Portal which can be accessed via your Manage Portal. Once you've logged in, scroll down to your vehicle card, and select "Open Telematics Portal".