When it comes to protecting your car, standard insurance policies often cover the basics—accidents, theft, and liability. But what if you want a little more peace of mind? That’s where Car Insurance Add-Ons come in. These optional extras can enhance your policy, giving you more tailored protection that fits your lifestyle and driving habits.
Here are the top 10 add-ons worth considering:
1. Roadside Assistance
No one wants to be stranded with a flat battery or tyre in the middle of nowhere. Roadside assistance ensures that help is just a phone call away, whether you need towing, jump-starting, or emergency fuel.
2. Car Hire / Courtesy Car Cover
Accidents happen, and repairs can take time. With this add-on, your insurer covers the cost of a temporary replacement vehicle, so you’re never left w ithout wheels.
3.Tyre and Rim Protection
South African roads can be tough on tyres and rims. This cover pays for repair or replacement if they’re damaged by potholes or road debris.
4. Extended Third-Party Liability
Standard policies already include liability cover, but an extended option gives you higher protection limits in case you cause damage or injury that exceeds the standard payout.
5. Gap Cover for Write-Offs
If your car is written off or stolen, gap cover ensures that the payout bridges the difference between your insurance settlement and the amount you still owe the bank.
6. Scratch and Dent Cover
Perfect for keeping your car looking new, this add-on pays for minor cosmetic repairs such as paint scratches, small dents, and scuffs that don’t affect the vehicle’s safety.
7. Personal Accident Cover
This protects you and your passengers by providing a cash payout in the event of accidental injury, disability, or death resulting from a car accident.
8. Sound and Accessories Cover
If you’ve invested in a sound system, mag wheels, or other custom accessories, this add-on ensures they’re covered against theft or damage.
9. Key and Lock Replacement
Lost or stolen car keys are costly to replace—especially with modern smart keys. This cover takes care of replacement costs, including reprogramming electronic systems.
10. Windscreen Cover
Replacing or repairing windscreens can be expensive. This add-on ensures quick repairs for chips and cracks or full replacement without affecting your main policy excess.
Final Thoughts
Car insurance is not one-size-fits-all. The right add-ons depend on your vehicle, driving habits, and personal needs. While some extras may seem small, they can save you thousands of rands and a lot of stress in the long run.
Providers like Pineapple Insurance make it easy to customise your policy with flexible add-ons, so you’re covered where it really matters.