Do you need insurance before you buy a car?


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Car Insurance Before Buying Car

Buying a car is a thrilling experience. Hunting down the perfect vehicle for you and your budget and then finding your dream car! As exciting as this process is, you need to think about your insurance cover. Do you even need insurance before you purchase the car?

A lot of time and thought goes into buying a new car. You think of everything you need; a hatchback vs an SUV, a pre-loved car or something brand new, a bright colour vs something more subtle. There’s so much you need to think about. 

One thing that may not be as fun and exciting to think about is your insurance policy. Do you already have a car insurer? Have you told them you’re getting a new car? Have you even given insurance a thought?

Explore: Your ultimate “I Have AMAZING Car Insurance” Check List 

Take it from us, car insurance is SO important and you’ll need it earlier than you think.

Do you need car insurance before buying a car?

The simple answer is yes. 

In South Africa, you HAVE to have a car insurance policy if you finance your car through a bank. If you’re lucky enough to buy the car in cash then you can buy it without insurance (we don’t recommend skipping the insurance though)

You actually aren’t allowed to drive your car out of the showroom if you can’t prove that you have insurance for that vehicle. You never know what could happen when you drive away from the car dealership so the bank wants to know that you and your car are protected.

If you already have car insurance, make sure you contact your insurer to let them know that you’re purchasing a new car and give them all the new details.

As much as car insurance is seen as a grudge purchase, you’ll be thanking all of the lucky stars that you have it in the event of an accident or theft. Plus, some car insurers make it less of a grudge purchase… hint… hint.

Discover: How to know if you actually need a new car

Here’s why you need car insurance with Oneplan

Many of us purchase a car by financing it through a bank or some other type of lender and the majority of them insist on comprehensive car insurance. They need to make sure you and your car are fully protected. 

Comprehensive insurance covers you from top to tyre, with benefits including:

  • Damages
  • Theft
  • Fire protection
  • Roadside assistance and more

At Oneplan, we strive to ensure that you are covered (with no sneaky T & Cs). Our car insurance is ALWAYS comprehensive and you won’t lose out on third-party and liability cover.

Find: Undeniable proof that you need car insurance, today

You can control your policy

A fabulous reason you should insure your car with Oneplan is that you have full control over your policy. When have you ever heard an insurer say that? 

We offer you a policy that gives you the flexibility you need to manage your cover as well as your budget. No strings attached. Our lives change rapidly so your car insurance should be able to change with you. 

How it works is you control your excess. That means you have the option to either make your excess higher or lower which in turn affects the amount on your monthly premiums. 

Discover: 6 Smart Safety Features to Check in a Second-Hand Car Sale

No vehicle inspections

Did you know we don’t conduct any vehicle inspections?

We understand that you’re busy and you have better things to do than trying to get to your insurer for a vehicle inspection. 

Our car inspections are simple as 1, 2, 3, cheese! All you have to do is take a couple of pictures of your new set of wheels and upload them to the Oneplan App to get them covered.

Simple claiming

As we said, we know you’re busy and the last thing you want to do, especially in the event of a stressful situation is sit around trying to figure out insurance paperwork or sit on a never-ending phone call. 

Making a claim shouldn’t be more stressful than the accident or theft that you may have just experienced. We make claiming for your car as easy as it can be. You can seamlessly make all your claims using our app. Simply fill in a few details and snap some pics of your vehicle for us to take a look at.

This is a little bit of an over-explanation simply stating that yes, you really need insurance BEFORE purchasing a car (whether you’re financing it or paying for it in cash). You never know what could happen so why risk your beautiful new set of wheels (and your safety) by opting to skip on comprehensive cover?


Yours in comprehensive and budget-savvy car insurance,


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