Time to claim with dotsure.co.za car insurance?
But what if you are unsure if you can claim or not? We’re here to help!
Before you go to the website to submit that claim, here’s a breakdown of what we cover. No empty promises, no tired slogans. Why? Because we have a legacy of putting customer’s first, and it’s not just our high Hellopeter ratings that prove this. We were the first company in South Africa to offer car insurance online and we value transparency every step of the way. We are always available to explain your policy to you, or help you update it.
We cover all kinds of vehicles – passenger vehicles for private owners, light delivery vehicles for the small business owner, motorbikes for thrill seekers, caravans for chill seekers, and trailers for everything else (like that annual pilgrimage to AfrikaBurn and its harrowing drive through the tyre-bursting Tankwa Karoo?)
For now, back to the business of what you can claim for.
Know thy needs
First, ask yourself – who will be driving my vehicle? We provide cover for one regular driver (single driver), a regular driver and any other nominated driver stated on your policy schedule (nominated driver) or any person with your permission (open driver).
We also give you a choice to insure your vehicle for private or business use.
If your premium is too high, our clever Name Your Price™ feature allows you to place limitations on your cover, to keep the price just right. You can choose to limit your cover on hail claims, time of day travelled, days of the week travelled, total kilometres travelled per month or glass damage. You say what you can pay, we adjust the cover accordingly.
The list of what we cover is long, so we’ll be brief here. We are always available to give you more details by email, phone or chat. Don’t be shy!
Types of cover
Comprehensive cover – This covers any accidental loss or damage to your vehicle as a result of an insured event. Accident, theft, hi-jacking or attempted theft – we’ve got you covered.
Comprehensive cash settlement – This provides the same cover as the comprehensive cover, however here you have the option to have your claim settled in the form of a once-off cash settlement.
Third Party, Fire and Theft – This protects you from the cost of damage to someone else’s property from an accidental incident (limited to South Africa). In addition to this, with a high crime rate, you need compassionate cover. Whether it’s fire, self-ignition, lightning or explosion, theft, hijacking or attempted theft or hi-jacking, with this box ticked, we got you.
Third party only – If you are not concerned about cover for your own vehicle, this option is just for you. This covers you for damage to third party’s property (limited to South Africa), however, loss of or damage to your own vehicle will not be covered.
Total loss – This cover is restricted to a total loss of your vehicle, insured with us. If your vehicle is stolen and not recovered, or if your vehicle is damaged and the repair cost is more than 70% if its current insured value (incl. VAT), we will pay you the insured value of your vehicle.
Because we aim to be a cut above the rest, we also offer the following additional cover, at no extra costs to you:
Further additional cover – (at an additional premium)
What’s typically excluded?
There are a few aspects which will be for your account.
Some of these include:
How to claim?
Right, ready to claim? Submit it online, give us a call, let us call you, or drop us a line, by:
*T&Cs apply and are obtainable by emailing firstname.lastname@example.org. Claims decisions subject to factual merits of incident.