Parenting is a wild ride. In 1 moment, you’re convincing a toddler that the toilet isn’t a monster. The next moment, you’re explaining why we don’t microwave crayons. But while many parenting fails are harmless and hilarious, there’s 1 that sticks around longer than the smell of a nappy left in the car on a hot day… Not teaching your kids about insurance.
Yip. Big mistake. And most parents do it.
So, let’s talk about the funny moments, the cringe moments and the money moments. And then, because we’re #UnapologeticallySouthAfrican and proudly King Price, we’ll show you why this matters more than you think.
The classic parenting fails we all know too well
The silence that wasn’t actually silence
You know that moment when the kids are quiet. Too quiet. You should’ve checked. You didn’t. Now there’s peanut butter on the walls, the ceiling and the dog. But hey, at least everyone is hydrated and happy.
The homework you actually forgot was yours
Your kid tells you at 21:00 that they have a project due tomorrow. You transform into the world’s most panicked arts and crafts guru. You sprint around the house like you’re in the Amazing Race. The glue stick runs out. The glitter explodes. The teacher says it’s lovely. You know it isn’t.
The car key disaster
Kids love playing grown-up. Until they hide your car keys in the oven. Or bury them in the garden. Or drop them into the fish tank. This 1 hits different because it’s funny at first… Then you remember what replacement keys cost. Luckily, lost and damaged keys are covered if you have comprehensive or agreed value car insurance with King Price. You just pay the excess noted on your policy schedule.
The phone in the toilet
It’s a rite of passage. A family tradition. An unavoidable childhood milestone. And usually the moment you say, ‘Okay, maybe it’s time they learnt what insurance is actually for’.
The big parenting fail we don’t talk about
Between homework, sports days, tantrums and bribing children to eat anything green, we forget to teach them something essential. Something grown up. Something future them will wish you had explained.
Insurance.
Yep. We said it.
Kids grow up fast. If we don’t explain insurance early, they enter adulthood thinking it’s just paperwork. Or a scam. Or a luxury. Or something only rich people do. And then life happens. Car accidents happen. Burglaries happen. Burst geysers happen. Adulting happens. And suddenly your kid, now a grown person with a bank card and a questionable haircut, is phoning you because they didn’t know that no premium paid means no cover.
Why teaching kids about insurance is actually a life skill
Because bad things don’t wait until payday
Your kids need to know that insurance protects them when the unexpected happens. Car accidents. Storm damage. Stolen stuff. The works.
Because they’ll own things that cost real money
Phones. Laptops. Bicycles. Hearing aids. Yes, life happens. Even teenage ears take a beating from loud headphones. Luckily, King Price lets you insure items like bicycles, hearing aids or golf clubs for just R1 monthly when your car is comprehensively insured.
Because they’ll need to understand excess
Kids think everything is free. They need to learn that when you claim, you pay the basic excess amount that’s noted on your policy schedule. No shock. No tears. No surprise. Just adulting.
Because insurance prevents financial meltdowns
Insurance is basically grown-up bubble wrap. It softens the blow. Kids should know how it works long before they’re signing their first rental agreement or buying their first car.
How to teach your kids about insurance without boring them
Kids don’t want a lecture. They want real stories. Luckily, adults are full of them.
Try these:
- Tell them how insurance helped when the roof leaked in that 1 December storm.
- Explain why we don’t panic during a break-in because home contents insurance is a thing.
- Let them compare the cost of replacing a phone vs. claiming for it.
- Share how car insurance saved your bacon when that taxi stopped without warning.
And of course, keep it simple. No jargon.
What this has to do with King Price
Everything.
Because whether you’re raising toddlers, teens or full-grown adults who still call you when their tyre bursts, you want them protected in a way that’s simple, affordable and stress-free.
That’s where King Price steps in. We cover your car, your home, your portable possessions, and even some prized belongings, like golf clubs, for R1 per month when you have the right policy with us. Our emergency and roadside assist is available with comprehensive car and motorbike policies too.
If you skip the insurance chat, your child grows up thinking life’s biggest safety net is mom or dad. So do your kids a favour. Teach them early. Laugh at the fails. Love the chaos. And get the insurance part right.
Ready to make sure your kingdom is covered? Visit kingprice.co.za or call 0860 50 50 50 for a quick, commitment-free quote (and maybe an insurance guide for your littles). Your kids will thank you 1 day.
FAQs
At what age should I start teaching my kids about insurance? You can start when they understand the idea of looking after things. Simple examples work great for young kids. Older teens can handle real policy basics.
What’s the easiest insurance type for children to understand? Home contents. You can literally flip a room upside down and show them what would fall out.
Is car insurance something teens should understand before getting a licence? Absolutely. They should know about excess, claims, and why we never drive without cover.
Why is honesty important when getting insurance? Incorrect details affect risk, premiums and valid claims. Incorrect details = incorrect cover.
Can I insure my child’s belongings under my King Price policy? Yes. Phones, laptops, bicycles and other portable possessions can be added as specified items.