Insurance can feel full of jargon and fine print that’s out to get you. But it doesn’t have to be. At dotsure.co.za, we believe in keeping things clear and simple, from submitting claims to how we answer your insurance FAQs. 

 

What Is Insurance in Simple Terms? 

Understanding the Purpose of Insurance 

Insurance is basically a safety net. You pay a monthly premium, and if something unexpected happens, such as a car accident, a sick pet, or a mechanical failure, your insurer helps to cover the cost. 

Different Types of Insurance Explained 

  • Car Insurance
    Cover can include accidents, theft, hijacking, fire, and sometimes even hail. It also protects you if you cause damage to someone else’s car. 
  • Pet Insurance
    Helps to take the bite out of vet bills when your fur-baby, feathered friend or scaly sidekick is sick, injured, or needs surgery. Cover can include accidents, illnesses, and sometimes even preventative or routine treatments. 
  • Warranty Cover
    A warranty protects you when your car’s parts fail due to a mechanical or electrical fault. We cover over 60 components for repairs or replacements. 

 

Car Insurance and Warranty Questions Answered 

What Does Car Insurance Cover? 

Depending on the plan you choose, cover can include: 

  • Accidental damage or loss. 
  • Third-party liability. 
  • Fire. 
  • Theft, attempted theft or hijacking.  
  • Non-standard accessories.  

RELATED: YOUR CAR INSURANCE QUESTIONS ANSWERED 

  

What Is a Car Warranty and How Is It Different? 

A warranty isn’t about accidents. It’s cover for your car parts that protects you from the hefty price of mechanical or electrical failures. If your engine, gearbox, or electronics give in, warranty cover helps with the repair bills. 

Here’s a quick comparison 

Feature  Car Insurance  Car Warranty 
Covers  Accidents, theft, fire, natural disasters  Mechanical/electrical failures 
Mandatory  Required if you’re financing a car  Optional extra once your manufacturer warranty expires 
Claim Process  Usually after accidents  Usually after breakdowns 
Example  Pays for damage after a crash  Pays for new turbocharger if it fails 

 

Where Can I Get Pet Insurance in South Africa? 

At dotsure.co.za, pet insurance is kind of our thing. We are SA’s most trusted pet insurer, after all!* 

What Pet Insurance Typically Covers 

  • Vet visits. 
  • Surgery and hospitalisation 
  • Accidental injuries 
  • Illness (only on certain dotsure.co.za pet plans) 
  • Chronic illness care (only on certain dotsure.co.za pet plans) 

How to Choose the Right Pet Insurance Provider 

  • Look at what’s actually covered 
  • Check waiting periods and exclusions 
  • Compare claim processes 
  • Look for flexible plans that suit your pet’s needs and your budget.  

Want more detail? Here’s a full breakdown: DO I REALLY NEED PET INSURANCE? 

 

General Insurance FAQs 

What Are the Most Common Questions in Insurance? 

  • What does my policy actually cover?
    Check your policy document for exact inclusions and exclusions. If you need any help, our friendly consultants are happy to help. Contact us and let’s break it down. 
  • Do I have to pay an excess?
    Yes, this is the amount you are responsible for when making a claim. 

RELATED: WHAT IS INSURANCE EXCESS? 

  • What happens if I miss a payment?
    Your cover could be suspended, which means won’t be covered for incidents and you won’t be able to claim until it’s up to date. 
  • How do I submit a claim?
    Most insurers let you do this online. At dotsure.co.za, you can skip the queue and claim in minutes via the Manage Portal. 
  • Can I adjust my cover if my circumstances change?
    Yes. With dotsure.co.za, you can upgrade or downgrade anytime! 

 

How to Get the Most Out of Your Insurance Policy 

Reading the Fine Print 

It’s not always fun, we know, but your policy wording tells you exactly what you’re covered for and what’s excluded. Give it a read through and let us know if you have any questions! 

Reviewing Your Cover Regularly 

Life changes. Maybe you’ve moved, bought a new car, or adopted a new pup. Reviewing your cover at least once a year helps ensure you’re not overpaying or underinsured. 

 

Your Questions Answered 

Insurance doesn’t have to be confusing or boring. Whether it’s your car or your whiskered family member, we’ve got you covered! Do you still have some insurance FAQs we haven’t answered? Browse some of our blogs, or contact us by calling 0861 368 7873 or sending an email to u2us@dotsure.co.za. 

 

More FAQs Answered: 

 

 

 

*Voted South Africa's Best Pet Insurance 2023/2024 by The Star, Die Burger, Beeld, and City Press. 

Ts & Cs and possible exclusions may apply and can be obtained by emailing u2us@dotsure.co.za.  

Dotsure Limited (Registration number 2006/000723/06) is a licensed non-life insurer and authorised financial services provider (FSP39925).