Insurance tips, guides & news
Practical, easy-to-read advice to help you understand cover and save on your premiums in South Africa.
How Your Address and Parking Affect Your Car Insurance
The same car can cost close to 50% more to insure between provinces. Here is how your address and where you park overnight shape your premium.
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Average Car Insurance Premiums by Age and Province
Who pays the most and least for car insurance? The average premium broken down by age band and by province, on Savvy Insurance quote data.
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Car Insurance Cost by Cover Type in South Africa
The cover level you choose is the biggest single lever on price. Here is what comprehensive, third-party fire and theft, and third-party each cost.
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How Much Is Car Insurance Excess in South Africa?
What you actually pay towards a claim: real excess amounts from South African insurers, the extra excesses that catch people out, and how to choose.
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What Young Drivers Pay for Car Insurance in South Africa
Young and first-time drivers pay the most for car insurance. Here are the actual Savvy numbers by age, the extra excesses to watch, and how to pay less.
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Does Car Insurance Cover Mechanical or Engine Damage?
Insurance pays for accidental damage, not wear and tear. Here is where the line falls between a claim and a breakdown, and what covers the rest.
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Car Insurance Premiums by City and Province in South Africa
Where you park at night can change your premium more than the car you drive. Here is how location shapes car insurance costs across South Africa.
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Does Car Insurance Cover Theft and Hijacking?
Comprehensive and third-party, fire and theft cover theft and hijacking; third-party only does not. Here is what is covered, and what is not.
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Car Insurance When You Sell or Replace Your Car
Your insurance does not follow the car or update itself. Here is how to handle cover when you sell or replace your car, without a dangerous gap.
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What Happens When Your Car Is Written Off in South Africa?
A write-off happens when repairs cost more than settling the car as a total loss. Here is how insurers decide and how much you get paid.
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Comprehensive vs Third-Party Car Insurance in South Africa
Comprehensive, third-party fire and theft, or third-party only? Here is exactly what each level covers, what it costs, and how to choose.
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Credit Shortfall (Gap) Cover Explained
Comprehensive insurance pays your car's value, not your loan balance. Credit shortfall (gap) cover pays the difference if a financed car is written off.
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