Only Pay for the Cover You need

Managing finances and cutting unnecessary expenditure have never been more crucial. When disposable income decreases, short-term insurance is often axed first, leaving people vulnerable to unfortunate incidents. However, you can streamline your insurance and save money without compromising coverage.

 

Optimising Your Insurance

With dotsure.co.za, you can customise your insurance to fit your specific needs.

  • Adjust Your Car Insurance:

By removing certain cover sections on your car insurance, you can save on your premium.

  • Improve Home Security:

Improving your home’s security can lower your insurance premium. Even if you don't live in a security complex, these measures can still offer significant savings.

  • Consolidate Your Policies:

Combining all your personal insurance needs under one policy with dotsure.co.za, can lead to significant savings on your monthly premium.

  • Increase Your Voluntary Excess:

Raising your voluntary excess can significantly lower your monthly premium. Ensure you can afford the higher excess amount in case of a claim.

  • Correctly Insure Your Car:

Avoid overinsuring older vehicles. Insure your vehicle for its correct value to avoid unnecessary costs.

  • Update Your Home Contents:

Review your household inventory every six months and adjust the insured sum accordingly. Use replacement values, not market values, and remove old or discarded items from your inventory.

  • Avoid Duplicate Coverage:

Ensure you’re not paying twice for the same benefit. If your car or home insurance includes roadside assistance, don’t opt for the same benefit from your medical aid provider.

  • Keep Details Updated:

Inform your insurer of any changes in your lifestyle or needs. These updates can save you money by reflecting your current risk profile.

  • Avoid Unnecessary Claims:

Avoid claiming for small events you can cover out-of-pocket. Reserve your insurance for significant, unexpected losses to keep your premiums lower.

 

Insurance provides peace of mind and financial protection when things go wrong. Following these practical tips means you can reduce your premium while ensuring adequate coverage.