A plain-English breakdown of cover types, common gaps, and what really moves your premium — from an RE5-qualified adviser, not a call centre script.
Book a free 15-minute call Send an Enquiry
Repair or replacement if you're at fault, within your sum insured.
Tyres, brakes, and mechanical failure from age aren't cover events.
Provided your car meets the insurer's tracking/security requirements.
If your sum insured is below market value, you carry the difference yourself.
Damage you cause to someone else's car or property.
Usually needs separate all-risk cover, not included by default.
Secured parking vs street parking can shift premiums noticeably.
Claims-free years matter more than most people realise.
Theft rates and parts cost both feed into risk pricing.
Newer drivers carry higher statistical risk, priced accordingly.
A higher voluntary excess usually lowers your monthly premium.
We'll go through your current cover (or lack of it) and I'll tell you honestly where the gaps are.
Pick a slot that works for you — no forms to fill in first.
Your current cover, your assets, your budget — a proper needs analysis, not a quote bot.
Only once I understand your situation — never before.
No. This page is educational only. Personalised advice only happens after a proper needs analysis on a call, as required under South African financial services regulation.
No. Many people book the call just to check their current cover is adequate — there's no obligation to move anything.
No. I advise as a registered representative under an authorised financial services provider, so every recommendation follows a formal needs analysis and is based on your situation — and I'll always explain how your cover works before you sign anything.