Car insurance templates & tools
Practical, free help for everyday admin: accident report templates you can fill in at the scene, claim and cancellation letters you can copy, and plain-language guides to excess, premiums and how much cover you really need. Written for South African drivers.
Forms & letters
Accident Scene Checklist and Report Form Template
Free copy-paste accident scene checklist and report form for SA - record drivers, vehicles, witnesses, damage and photos so your claim goes smoothly.
Car Insurance Claim Letter Template
A ready-to-use car insurance claim letter template for SA, with fill-in placeholders for your policy, the incident, the SAPS case number and documents.
Car Insurance Cancellation Letter Template
Cancel your car insurance the right way with this SA cancellation letter template - includes notice period, refund request and proof-of-delivery tips.
How to Appeal a Rejected Car Insurance Claim (with Letter)
Appeal a rejected car insurance claim in SA with this letter template - challenge the reason, demand the policy clause, and escalate to OSTI if needed.
Complaint Letter to Your Insurer and OSTI Escalation Template
Complaint letter template for a rejected or delayed car insurance claim in South Africa, plus how to escalate to the Ombud for Short-Term Insurance (OSTI).
Demand Letter to a Third-Party Driver for Vehicle Damages
Claim your car repair costs from an at-fault uninsured driver with this SA letter of demand template - includes amount, deadline and supporting evidence.
Checklists
What Documents You Need to Claim Car Insurance
The exact documents you need to claim car insurance in South Africa - SAPS case number, licence, photos and more - for accident, theft and write-off claims.
New Driver Car Insurance Checklist
A new driver car insurance checklist for SA - why premiums are higher, how to find affordable cover, the young-driver excess and ways to cut the cost.
Roadworthy and Pre-Purchase Used Car Checklist
A practical roadworthy and pre-purchase inspection checklist for buying a used car in SA - paperwork, mechanical checks and what to verify before you pay.
How to Switch Car Insurance Without a Gap in Cover
Switch car insurance in South Africa without a gap in cover - a step-by-step checklist to compare, start the new policy, then cancel the old one safely.
Car Theft and Hijacking Claim Checklist
What to do if your car is stolen or hijacked in South Africa - the SAPS report, the theft case number, handing in all keys, and how the insurance claim works.
Vehicle Sale, Change of Ownership and Insurance Update Checklist
Selling or buying a car in SA? This checklist covers the change of ownership note, NaTIS notification of change of ownership and updating your car insurance.
Calculators & guides
How Car Insurance Excess Works and How to Calculate Yours
Excess is the first amount you pay on every car insurance claim. Learn what excess means in SA, the types, and how to calculate what you will actually pay.
Comprehensive vs Third Party Car Insurance: Which Should You Pick?
Comprehensive vs third party car insurance in SA explained - what each covers, third party fire and theft, and how to choose the right level for your car.
Car Insurance Calculator: Working Out Your Monthly Premium
Use this car insurance calculator guide to estimate your monthly premium in SA - the factors that drive the price and a simple way to ballpark your cost.
How Much Car Insurance Cover Do You Need? Insured Value Explained
Work out how much car insurance cover you need in SA - retail, market and trade value explained, plus shortfall cover so you are not left out of pocket.
How to Lower Your Car Insurance Premium: Practical SA Tips
Practical ways to lower your car insurance premium in SA - excess, security, mileage, no-claim discounts and how to compare without losing cover you need.
What Does Comprehensive Car Insurance Cover?
What comprehensive car insurance covers in SA - accident damage, theft, fire, weather and third party liability - plus the common exclusions to watch for.
What to Do After a Car Accident: Step by Step
A clear step-by-step guide to what to do after a car accident in SA - stay safe, gather details, report to the SAPS within 24 hours, and lodge your claim.
How Your Car's Value Is Decided: Retail, Market and Trade
How insurers decide your car's value in South Africa - retail, market and trade explained, the Auto Dealers' Guide, and what really determines your payout.
No-Claim Bonus and How Claiming Affects Your Premium
How the no-claim bonus works in SA car insurance, how claiming affects your premium, and when a small claim costs more than paying out of pocket yourself.
Windscreen and Glass Claims: How They Work
How windscreen and glass claims work on South African car insurance - the separate glass excess, when to claim, and whether it affects your no-claim discount.
What Happens When Your Car Is Written Off (Total Loss)
When and how a car is written off in South Africa, how the total-loss payout is worked out, what happens to a financed car, and how to handle a low offer.
Car Hire Excess Insurance Explained
Car hire excess insurance explained for SA - how it covers the excess on a rental car, when it is worth buying, and how it differs from the rental waiver.