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5 Most Affordable Cars in South Africa

November 16th, 2016  |  Published in business

Chery QQ3 0.8 TE

Looking to buy a new car on a very tight budget? With the prices of new cars continually on the rise, buying a new car may not be affordable for everyone, however, there are still offerings you can consider on a limited budget.
With this in mind, we’ve put together a list of five of the most affordable new cars in South Africa, within the R90 000 – R130 000 bracket. And if these five best value cars still don’t quite meet your needs and you’d rather explore the used-car market, find out which cars can save you more by checking out The Cheapest Used Cars to Insure in South Africa from Hippo.co.za.
But before you decide on which route to go, take a closer look at some of the most affordable cars in South Africa at the moment.

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First-time Driver’s Guide to Car Insurance

March 17th, 2016  |  Published in business

car insurance One of the queries we receive from the parents of first time drivers is usually, “What do I need to know about my car insurance when a first-time driver is driving my vehicle?” Before we address the answer let it be known that the minimum requirement for any driver to be able to claim from your insurance provider is that the driver be in possession of a learner’s license. To find the most up to date information we Googled Car Insurance and contacted one of the insurance companies found in the search results. In this case we contacted MiWay Car Insurance via the online contact form on their website.

MiWay is a direct short-term insurer and financial services company, offering customers a range of short-term insurance products including motor, household, homeowners, business insurance – as well as liability cover.

MiWay then called back within a few hours to answer my questions pertaining to first-time or learner drivers. As expected, when claiming, the first-time driver involved in the claim must at least have a learners license and be driving with a licensed driver when the incident occurred. Other factors that impact your claim is the age of the first-time driver and also the time the incident happened. You car insurance excess will be higher if the driver is under the age of 24 and the incident occurred on the weekend between 8pm and 6am. Be sure not to teach your children your drive then. We would of course recommend they  utilise the services of the many driving schools here instead. Before you embark on a drive with a learner driver please ensure that your insurance is up to date. You can contact MiWay for a quote if unsure.

Miway offers innovation in insurance such as buying managing of policies online, having a quick hail claim process to avoid the call centre queues after big storms, auto authorisation of glass claims when completed online for qualifying clients), the app (claim, accident reports, generate and send documents (confirmation of cover, border letters).



Insurance Telematics and Tailored Coverage

November 24th, 2015  |  Published in business

With the festive season fast approaching, road safety is at the top of most drivers’ concerns. This is not surprising as this time of year accounts for the most road accidents across the country. This is not to say that drivers across the country are just taking liberties with road regulations but that there are a few bad apples compromising everyone else on the road. With that said the advent of technologies such as telematics we can take back the power and not have to be accountable for other people’s mistakes, giving a lot of drivers peace of mind.

Telematics becomes especially important with regards to insurance, because in most cases your premiums are determined by generalised demographic probability. This means, for instance, if you are a male between the ages 18-35 you pay more just because statistically you are more likely to get into an accident. This is not ideal if you feel you are an excellent driver. It’s not all doom and gloom though, as telematics now allows insurance companies to provide tailored coverage, meaning your premiums are decided on your own personal driving style.

When you hear about this, you may think ‘yes, finally, I can now actually pay as I drive and not be subjected to inflated premiums based on stats I feel I don’t fit into’. Now what is this telematics thing? A recent article by Hippo titled “Insurance Telematics and Tailored Coverage” elaborates on what telematics is and how it works; I have put together some of the highlights from that article.

What is Telematics?

“A branch of information technology dealing with long distance transmission of computerized information”


  1. A transmitter tracks driver behaviour including acceleration, rev count, braking and cornering while synced to a GPS system.
  2. This information is relayed to a data centre.
  3. The data is analysed at these data centres and reports your driving habits to the insurance provider.
  4. The insurance provider analyses the reports and assesses your premium.
  5. After this assessment good driving habits are rewarded with lower premiums saving you money.

This service not only applies to individuals but is available to logistics companies alike. This means companies can better manage their fleets, providing better security.

There might be security concerns about privacy and the abuse of personal information, but fret not—this won’t be a problem as all personal information will be protected by the Protection of Personal Information Act, so you can rest easy knowing no one will be maxing out your bank account. If you find paying less for your premiums intriguing as I do, visit Hippo for the full article.

One-Day Driving School National Summit

February 24th, 2013  |  Published in business

Driving School SummitCall for an Expression of Interest from any driving school owner and/or instructor who wishes to participate in a one-day Driving School Summit to be held in Gauteng on 22 March 2013.

Send the following details to the contact details below:

  • Name of Driving School
  • Name of Owner/Instructor
  • Province/Town
  • Business/Home Telephone No.
  • Cellphone No.
  • E-mail Address
  • Fax No.

Note: It is not necessary to attach any certificates to this form.

All interested persons should complete this form and forward it to the contact persons listed below, by no later than 5 March 2013. An invitation with the venue for the Summit will then be forwarded. Attendance of the Summit is on a first come first serve basis. This is a re-advertisement and interested persons should express their interest again. Only one person per driving school will be accommodated.


  • Ms Granny Sebake, tel. (012) 999-5243 or e-mail: GrannyS@rtmc.co.za or nds.summit@rtmc.co.za or fax: 086 668 9140
  • Ms Elizabeth van der Merwe, tel. (012) 999-5315 or e-mail: ElizabethV@rtmc.co.za or fax: 086 665 9248
  • Ms Stephinah Segalagala, tel. (012) 999-5317 or e-mail: StephinahS@rtmc.co.za


Good Idea or Bad Idea? Free Business Idea

September 3rd, 2007  |  Published in business

I had some arbitrary business idea earlier today, which it could either be really good, or really illegal, I’m not sure which 🙂

My mother went to the traffic department to pay for a speeding ticket for my brother, because he was working and couldn’t take off to go pay for it. So my mother asked sincerely if she could get a discount, and she got quite a substantial discount.

So, I was thinking, the Traffic Departments often have a hard time collecting fines from people, and a lot of the time if could just be because it’s too difficult to take time off work stand in long queue’s at the traffic department and loss out on soo much precious time in our lives, only to lose money, so we put it off until the absolute last moment. We want to be legal and pay our fines and make this world a better place and all that jazz, but the system just makes it impossible, or at least very difficult, for us to do the right thing.

So, I thought why doesn’t someone, collect fines from people and offer to take care of them on their behalf, say with a 5% discount on their fines even. So you don’t have to spend your time in long queue’s and you get a discount on your fine. This business then takes all those collected fines and pays them in bulk at their local traffic department for a greater discount than what they are offering to their customers. You would obviously need to work out with your local traffic department how much discount you would be eligible for, for early payment and bulk discount, etc. Perhaps have something in writing and signed by the right people, and make it all legal and above board.

It’s a win-win situation. The traffic departments don’t have to chase after people trying to get money out them, they get paid painlessly. And, people who owe the traffic department fines, can pay them with a discount, effortlessly and painlessly, without wasting their time.

Another arbitrary thought that popped in my head just now, is people would probably be more willing to pay their traffic fines, if it positively influenced their credit rating. Does it at the moment? I’m not sure.

But, I think my business idea is quite brilliant 🙂 What do you think?