CAR INSURANCE
For Seniors & Pensioners
Senior drivers qualify for lower car insurance premiums. Combine with household insurance to maximise savings.
SAFER DRIVERS
Seniors show safer driving behaviour by not speeding or texting when driving.
LESS TRAVEL
Seniors tend to drive less than younger drivers and often limit night driving.
COMBINED COVER
Seniors can combine vehicle and household insurance to increase savings.
Looking for car insurance tailored to your age?
It may be time to rethink your car insurance cover. As a senior driver, you may qualify for lower rates based on your age. Senior drivers tend to drive less, especially pensioners. Given that senior drives show less risky behaviour, like speeding or texting while driving, your car insurance premiums should match your lower risk profile. When combined with your home, both comprehensive and third party car insurance can be a significant saving.
To get a quote, you must be the registered vehicle owner and have a valid driver’s licence. Financed vehicles require comprehensive car insurance.
Do you need car insurance?
Car insurance is not a legal requirement for vehicle owners in South Africa but you could be at financial risk without cover. Almost 7 in 10 vehicles on South African roads are uninsured. In the event of an accident you may be liable for tens if not hundreds of thousands of rands of damage to other vehicles. You could be held personally liable without car insurance and would still need to repair or replace your own vehicle. Car insurance is the sensible decision. Unfortunately car insurance in South Africa is expensive. Innovative cover allows you to choose the insured value of your vehicle and set your own premiums.
Are there discounts for pensioners?
Yes, but it has more to do with your age than being a pensioner.
As a senior driver you have more driving experience. Seniors also tend to be safer drivers. Experiencing and driving habits helps with lowering your car insurance premiums.
Now consider that as a pensioner you are not driving to work and back everyday. You spend less time on the road and this means you are less likely to meet with an accident. Car insurers take all of these factors into consideration.
Cover Options
Comprehensive
Covers accident damage repair or replacement of your vehicle and third party vehicles with public liability benefit.
Third Party
Covers only for repairs or replacement to third party vehicles if the accident was your fault. No cover for your vehicle.
Third Party Plus
Covers third party vehicles for repair/replacement + your vehicle in the event of a loss that is not accident related.