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Dotsure Car Insurance: Name Your Price and Online-Only Cover

Dotsure is an online insurer: you get a quote, customise your cover and activate the policy online. Its Name Your Price model lets you switch parts of the cover on or off, such as windscreen, night driving, weekend and hail cover, to bring the premium down.

That flexibility can save money, but it also makes it easy to remove cover you'll later wish you had. Switch things off only when you're sure you won't need them.

What stands out

• Name Your Price: switch windscreen, frequent driver, night driving, weekend, hail and single-driver options on or off.
• Dotsure advertises a 20% lifetime discount for buying online.
• Cover lists accidental damage, damage to others, fire, theft or hijacking, key replacement, non-standard accessories and vehicle credit cover.
• Cash settlement options on claims, so you can choose your own repairer.

What to check before you accept a quote

• Exactly what each switched-off option removes, especially night and weekend driving.
• What happens at claim time if the car was driven outside the options you chose.
• The excess, which isn't shown upfront on every page.
• The basic excess and any additional excesses, for example for young or newly licensed drivers. See what excess means in car insurance.
• Whether your car needs an approved tracker. Many insurers require one above a certain vehicle value. See insurance-approved trackers.

How to get a dotsure.co.za car insurance quote

1. Get an online quote with all options switched on first.
2. Switch options off one by one and note how much each saves.
3. Compare the final premium and excess with at least two other insurers.

Comparing is easier when every quote is for the same thing: the same cover type, the same car value (retail or market value) and similar excess. Our guide to comparing car insurance quotes has a checklist.