We have put together the top reasons why car and household insurance are so important and why you need them, like right now.
We can hardly believe that 2026 is here – can you!? Where did 2025 go? After a holiday (if you were lucky enough to have one) and some well-deserved time off, we are all starting to get ready to go back to work and maybe even complete some of the personal admin tasks we set out for ourselves in 2025.
If insurance is one of those tasks, then you are in luck. And if it wasn’t, then here’s why it should be…
Car and household insurance are some of the most important types of insurance out there. By having these (and trust us, it doesn’t have to cost you an arm and a leg), you are covered for the expected, unexpected and everything in between.
What this means is that when things go wrong – for example, you get into a fender bender in your car, your house is hit with an unexpected storm or someone breaks into your home, you are covered.
If you are like so many South Africans, then December was probably quite an expensive month for you and you aren’t exactly left with a whole heap of cash right now. If this is the case, then you are also probably thinking that you cannot afford to get car and household insurance right now and you would rather wait until you can.
But, and this is a big ‘but’, what if something happens to the things that matter most to you in that period of time? We certainly hope that nothing does go wrong, but insurance covers you for the things you can’t predict.
The truth is, you don’t plan for your car to be stolen, your geyser to burst, or a summer storm to damage your roof. These things tend to happen at the worst possible time – and that’s exactly why insurance exists. It’s not just about replacing what you lose, it’s about protecting your future finances and giving you peace of mind when life gets messy.
And here’s why you need it…
Household insurance
There are two different types of household insurance…
Household contents cover refers to the household goods and personal belongings inside your home, as well as fittings and fixtures that you own or are responsible for.
Contents insurance applies to anyone who owns anything of value, from your computer, TV or even your favourite painting you bought at that fancy auction. Even rugs come at quite the price tag these days.
Your clothing, your couch, your fridge, washing machine and even your microwave are all items worth insuring. If someone were to break into your home and steal your TV, do you have the cash right now to buy a new one?
Even if you are renting, it’s important that you cover your belongings because your landlord will not be liable for anything that belongs to you. And remember – theft isn’t the only risk. Fires, burst pipes, and accidental damage can also leave you with major repair or replacement costs.
Read next: The 8 Best Ways to Protect Your Home – From the Inside
Home refers to the main residence at your address as well as any other roofed structures or outbuildings (separate to the main house) including carports, wendy houses, domestic workers living quarters, garden sheds and garages.
If you own a home and are in the process of paying off your bond, then house insurance is usually a must-have. Many banks require it, but even if they didn’t, you’d still want it. Your home is often the biggest investment you’ll ever make, and the cost of rebuilding after serious damage can be overwhelming.
Car insurance
If you have driven on the roads in South Africa then you are more than likely aware that accidents can and will happen, to anyone. No matter how good of a driver you think you are, you cannot control how other people on the roads drive.
Discover: Simple At-Home Tyre Inspection: 5 Expert Tips
Vehicle repairs can cost tens of thousands of rands and what would you do if your car was no longer driveable because of an accident? If you are not insured, then you would have to cover the damage costs by yourself and maybe even need to replace your car.
And it’s not just accidents. Car insurance can protect you if your vehicle is stolen or hijacked, damaged by hail, or affected by a fire. It can even cover you if someone else damages your car and they can’t pay for the repairs.
If your car is essential for work, school runs, or simply getting life done, being without it for even a week can cause major disruption. Insurance helps you get back on the road faster, without having to drain your savings.
Oneplan – the hassle-free car and household insurance
At Oneplan we get that life is complicated – it’s why we make sure our car and household insurance isn’t.
Oneplan Car and Household Insurance will cover you for the things that matter most, today.
Our car insurance is comprehensive, that means it covers your car for theft, hijacking, fire, damage from an accident and total loss which basically means when it’s written off, we’ve got you covered. We also offer third party cover.
You can press pause on your car and household insurance cover whenever you want through the awesome Oneplan App and have constant access to your cover and policy.
The best part is that we let you choose how much cover you want. How this works is that you can select the percentage of cover you want. For example, you can select to cover 70%, and the remaining 30% would be the excess or the portion you have to pay.
Make sure you have car and household insurance in 2026. Trust us, it will make the world of difference and save you a whole bunch of money. It’s one of those decisions you’ll never regret – especially when the unexpected happens.
Yours in insurance made simple,
Oneplan
