From Kasi to Coast: 5 Car Insurance Mistakes Costing South Africans
Many South Africans make common car insurance mistakes, from cover type to excess, leaving them underinsured and financially exposed.
Car insurance in South Africa is designed to protect drivers from everyday risks, yet too many people—from kasi to coastal suburbs—make mistakes that turn minor incidents into major financial setbacks. Understanding how your policy works can save you money and stress while keeping your car and wallet protected.
Not Understanding Your Cover Type
The first mistake is failing to know the difference between comprehensive, third-party fire and theft, and third-party only cover. Comprehensive cover protects your car, other vehicles, theft, hijacking and natural events, while third-party options focus mainly on damages you cause to others. Choosing the cheaper option without considering your usage, vehicle value, or ability to repair it yourself can leave you exposed. Always check your benefits page before committing.
Playing Games with Your Excess
Many drivers opt for a higher excess to reduce their monthly premium, forgetting that an accident could happen at any time. If your excess is beyond what you can realistically pay on short notice, repairs may be delayed even though you have insurance. Select an excess you can afford and use comparison tools to find the best premium at that realistic level.
Failing to Update Your Details
Insurers calculate premiums based on factors like where you park, how far you drive, your age and your claims history. Moving to street parking, adding a new driver, or using the car for business changes your risk profile. Failing to update your details can result in claims being reduced or rejected. Always update your insurer when there is a major life change affecting your car’s use.
Ignoring Sasria and Special Risks
Sasria covers damage caused by strikes, riots, civil unrest and some forms of terrorism. Many drivers skip this optional add-on to save a few rands, but without it, your car could be uninsured if damaged in public unrest. Ensure your policy includes active Sasria cover, especially if you park or drive in high-risk areas.
Focusing Only on Price
Another mistake is choosing the cheapest quote without checking the benefits or renewing without comparing options. South African insurers calculate premiums differently based on location, age, and vehicle type. Using comparison platforms can show multiple quotes side by side, letting you select a policy that balances price, excess and essential add-ons like roadside assistance or hail cover.
Getting It Right Today
From Kasi streets to coastal freeways, no driver should be underinsured or uninsured. Take ten minutes to review your cover type, set a realistic excess, update your personal details, check for Sasria inclusion, and compare car insurance quotes from authorised insurers. Visit Hippo to compare quotes from leading South African insurers, check benefits and excesses, and secure a policy that protects both your car and your wallet.