The open road is calling, the snacks are packed, and your Spotify playlist is a masterpiece… You’re officially ready for your epic SA road trip! But before you get too excited about driving the Garden Route or spotting lions in the Kruger, there are a few royal things to tick off your list. Namely: Your insurance.
Here’s what your insurer (and the king) needs to know before you hit the tar.
- Tell your insurer you’re going on a road trip
If you’re heading out on a lekker long road trip across Mzansi or beyond, you need to let your insurer know. Why? Because certain factors (like crossing borders, using your car for non-standard purposes, or long-distance travel) could affect your cover.
With King Price, your car is covered for private travel in SA and neighbouring countries like Namibia, Botswana, Lesotho, and Mozambique. But… You won’t be covered if you use your car for business purposes outside SA’s borders.
- Check your use type: Private or business?
If you’re using your car just for jollying between tourist spots, private use is fine. But if you’re delivering goods or going on a work trip, then you need to make sure your policy includes business use.
Business use includes driving as part of your job (like visiting clients or delivering supplies), while private use is just for your everyday (and holiday) travel.
- Make sure your regular driver is correct
Your insurance premium and claims are based on the info you provide. If someone else is going to be doing most of the driving (your spouse, your bestie, your designated trip DJ), update the regular driver info. Otherwise, your claim could be denied in the event of an accident.
- Check your cover level
Planning a road trip means lots of driving… And the more you drive, the higher the risk. So, now’s the time to check what level of car insurance you have:
- Comprehensive: For full peace of mind (accidents, theft, weather, third party).
- Third party, fire and theft: For theft, fire, and third party damage.
- Third party only: Only covers damage to other people’s property.
Comprehensive cover is the royal winner for road trips, giving you roadside, accident, and medical assist within SA.
- Keep the king’s emergency number handy
Accidents happen, tyres go flat, and sometimes, monkeys steal your snacks. That’s life on the road! Luckily, the king’s 24/7 emergency assist line (0860 50 50 50) is just a call away. You can get help with:
- Towing.
- Flat tyres.
- Fuel delivery.
- Battery jump-starts.
- Locksmiths.
Just don’t forget: You need to call emergency assist before you arrange any help, or you might end up footing the bill yourself.
- Double-check your excess
If you need to claim during your road trip, you’ll need to pay an excess. Make sure you know how much that is and that you’ve budgeted for it. Excess amounts can vary based on your profile and the type of claim.
- Be honest, always
If you modify your trip plans (say, you decide to tow a trailer, lend your car to a friend, or take a detour through Zimbabwe), let your insurer know. Incorrect details = incorrect cover, and it could lead to your claim being denied.
- Want extra peace of mind? Add the extras
Optional extras can make your road trip feel like a royal escape. Consider adding:
- Trailer cover: For that camping gear.
- Portable possessions cover: For your camera, phone, or laptop.
- Scratch and dent: For those tight parking spots in tourist towns.
Chat to the king and add what you need to your policy.
Ready to hit the road?
Road trips are about freedom, fun, and unforgettable memories. But they’re also about being prepared. Before you head off on your road trip across Mzansi, check in with the king to make sure your insurance is fit for the journey.
With comprehensive car insurance from King Price, you get more than just cover… You get peace of mind, emergency assist, and decreasing premiums that make long drives feel a little lighter on your wallet. Get a commitment-free quote or WhatsApp us on 0860 50 50 50 today and make sure your road trip is royally covered.
FAQs
Can I drive across the border with King Price car insurance?
Yes! You’re covered for private travel in neighbouring countries like Botswana, Namibia, and Mozambique. Business use, however, isn’t covered outside SA.
What should I do if I break down during my road trip?
Call King Price’s emergency assist line on 0860 50 50 50. We’ll arrange towing and help, as long as you call us first.
Do I need to let King Price know if someone else is driving?
Yes, the regular driver must be accurate on your policy. If someone else is doing most of the driving, update your details.
What happens if I don’t have comprehensive insurance?
You might not be covered for accidents, breakdowns, or emergencies. Comprehensive insurance is your best bet for a road trip.
Does my insurance cover my trailer and its contents?
Only if you’ve added trailer and trailer contents cover to your policy.