Insurance for Cars under R250 000

With our Comprehensive Car Insurance, we would normally handle your car insurance claim directly with the repairer. This means there’d be no cash payout. However, with Budget Lite 3, you get up to a R15 000 payout if you’re in an accident. You can use this cash to repair your car if the damage is under R15 000. If it’s more than that, you’ll need to pay the balance from your own pocket.

Remember, Budget Lite 1 and 2 don’t cover the repairs for damage to your own car, so we neither arrange with a repairer nor pay you out any cash if you’re in an accident.

Because we actually cover your car and not just you, you can add other drivers to your Budget Lite Car Insurance policy. Just make sure to tell us who they are and give us their details. If you don’t do this, we may not pay your claim. That’s because the people who drive your car affect your premium. We need to know so we can give you the most accurate, budget-friendly Car Insurance quote possible.

Because the Budget Lite insurance policies are non-comprehensive, there are a few limits on your cover depending on which option you go for. Car hire and windscreen damage is not included in all three options. Below are a few other exclusions to take note of.

Budget Lite 1 excludes:

• Any accident damage to your car – only damage to third-party vehicles is included in the cover. You will have to cover the costs of all repairs on your car.
• Accident Assist – this is the added benefit that includes towing and storing your car after an accident.
• Hail damage.

Budget Lite 2 excludes:

• Any accident damage to your car – except those damages covered in a write off.

Budget Lite 3 excludes:

• Full accident damage to your car – except those damages covered in a write off, and by your limited accident cover.

If you only have one type of car cover, make sure it’s third-party cover. Third-party covers anyone, apart from you, who is involved in an accident. For example, the third party can be the driver of the other car in an accident that you caused. It also may be a retailer, for example, if you drove your car through a shop window.

If you were responsible for the accident, then you are also responsible for the costs of the damage caused to their property. Third-party cover will protect you financially against the potentially crippling costs of causing damage to someone else’s car, especially if it is an expensive model.

Third-party does not cover your damage if you have an accident. If the accident is not your fault, however, you can claim against the other party.

Because choice is always a good thing – we’ve included a few optional extras that you can add to your Budget Lite policy. For an additional cost, you can add on sound system cover (because your tunes are important) and canopy cover for your utility van or bakkie. There’s also the option to add on Sasria cover which covers your car for damage in a riot or strike.

And because being claim-free is enough reason to celebrate, you can also add on our Cash Back Bonus, which means you start getting cash back after two years of being claim-free. How’s that for an awesome bonus to look forward to?

It's important to balance affordability with sufficient protection and liabilities when deciding how much insurance cover to take. Affordable insurance for cars, like Budget Lite, will provide third-party liability cover. However, comprehensive cover will provide greater protection against damage or theft.