Road Safety Tips
Road Travel Safety Tips this December
Just as we heed robots telling us when to stop, go, or remain cautious, so do we also need to apply similar principles when driving, especially during the festive season when roads become more treacherous. Follow these important hints to stop poor driving habits, instil positive ones, and remain cautious when necessary.     Stop Don’t speed. Don’t overload your car. Resist texting or talking on mobile devices while driving and install a hands-free kit in your car. Do not drink and drive as statistics indicate that 50% of road deaths in South Africa are alcohol-related. Never overtake on a blind rise or a solid white line. Don’t drive tired, fatigue affects your concentration and slows down your reactions. Pullover to a safe place and rest every 2 hours or 200km.  Avoid driving when visibility is poor due to the weather, or at night, and re-schedule your journey if possible.    Never disobey road signs and pay attention to flag and law enforcement officer signals. Do not leave your valuables such as cellphones and wallets in plain sight, but rather carry them with you, or lock them in your boot after you’ve parked. When driving, it is safer to keep valuable items out of sight to avoid smash-and-grab theft. Don’t retaliate if someone provokes you but remain courteous and obey the rules of the road. Avoid driving after dark if possible.   Caution Remain alert while driving, keep an eye on what's happening around you and don’t eat, drink or talk to people on the back seat.  Stop every two hours or every 200km for a rest to stretch your legs and regain your focus. Keep a safe following distance so you have enough time to react in an emergency. Remember to increase your following distance when visibility is poor and the road wet.  Drive defensively so you can prevent collisions caused by bad drivers, drunk drivers, and poor weather conditions – never assume other drivers will do what they are supposed to. Be prepared for emergencies by carrying an emergency kit with items that will come in handy if you're stranded or involved in a vehicle crash. Keep a lookout for obstructions like potholes or animals that may stray into the road, especially in rural areas. Be cautious when driving alone and avoid stopping in remote areas. Remain alert when you are in an area where there is a risk of criminal activities such as hijacking or smash-and-grab theft. Follow these anti-hijacking tips from Phillip Kekana   Go Ensure you and your passengers wear seatbelts and that any children under the age of three are secured in proper child restraint seats. Always keep your driver's licence with you.  Dip your headlights when you see an approaching vehicle.  Make sure your vehicle is roadworthy before going on a long journey. Examine all lights, indicators, windscreens, windscreen wipers, brakes, steering, shock absorbers, wheel alignment, exhaust system and tyres for faults.  Key in emergency numbers into your cellphone so you know who to call should you need assistance. Be courteous to fellow road users.   By following these tips, you should be good to go this festive season and remain safe whether you travel the roads locally or while on holiday. Auto Pedigree offers vehicle security in the form of Datadot®, tracking services, and smash and grab window film.    Disclaimer: This information is for educational, or entertainment purposes only. It must not be construed as advice, legal, financial, or otherwise. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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Gift box
Top 10 Car Accessories for the Festive Season
As the festive season begins, so does the search for the perfect gifts to show those valued people in your life some appreciation. These suggestions are for car owners who love their cars, who drive a lot or simply enjoy convenient or handy motorcar devices and gadgets.    1. Coffee Maker – Cuts out the need for daily trips to a coffee shop, saving time and money, and with the best models delivering a perfect barista-quality espresso in 2-3 minutes. Coffee makers are easy to use, plugging into the cigarette lighter and fitting into the cup holder working with Easy Serving Espresso (ESE) pods, or ground coffee.   2. Bluetooth Receiver – Cleverly designed to make a car’s audio system compatible with Bluetooth technology if not already installed in a car. This versatile device plugs into the auxiliary port in a car’s stereo and switches on a phone or tablet’s Bluetooth, allowing the driver to play music or make calls through the stereo system without compromising battery life. Newest models on the market connect two Bluetooth devices to a transmitter so the driver and passengers can take turns using the stereo.   3. Tile Mate – a tiny Bluetooth-enabled tracker and companion app that allows you to locate your items, fast. It loops into important items like key chains so you can use your smartphone to locate them even when on silent mode.  If you lose your phone, you can track it by pressing a button on your tile mate.  4. Portable cooler and warmer – Becomes an ideal companion for road trips, camping, and other adventures. Some of the best models plug into a cigarette lighter and fit on top of the armrest on the backseat while having enough power to keep snacks and beverages chilled (or warm) to journey’s end.    5. First Aid Kit – Critical in an emergency, comprehensive first aid kits for cars are considered mandatory from a safety perspective whether drivers make long or short journeys. The best first aid kits provide medical supplies and survival gear in a compact, durable lightweight carrying case which includes antiseptic cleansing wipes, an emergency blanket, and a variety of bandages.   6. USB Charger with two ports – Simultaneously charges two devices like cellphones and tablets at full speed, Choose a quality charger with a 12-month manufacturer warranty to ensure longevity.      7. Car vacuum cleaner- Keeping car interiors clean on a long road trip is possible with a lightweight, compact, and easy to use vacuum cleaner. Some of the best models plug into a car’s 12-volt outlet, pick up wet and dry debris, have an LED torch for night use, and are designed with a built-in crevice tool for hard-to-reach corners.   8. Air Purifier – Cleans the air inside a vehicle removing bacteria, gases, smoke, and odours making it healthy and more pleasant for passengers.    9. Magnetic Car Phone Mount – Holds cellphones securely in place allowing drivers to perform various tasks from playing music to navigating while also driving safely and legally. Magnetic car phone mounts are much more effective than older cradle-and-clamp mounts as they offer greater flexibility.    10. Dash Cam – Exceed your budget for that special person by giving them a dashboard camera. These increasingly popular, versatile devices can be coupled with various onboard technologies including recorders and Global Positioning System (GPS) devices. Dash cams are secured to a dashboard using a magnetic pad and are able to track speed and GPS information thereby providing the strongest most accurate evidence in the event of a car crash.   Buy Yourself a Gift   While you are buying gifts, treat yourself to a personal alcohol tester so you always know you’re legally capable of getting behind the wheel. Although it’s best not to drink and drive at all, the festive season comes around once a year when you should be allowed to enjoy a glass of alcohol over a festive meal.    Use this list to get your creative juices flowing this festive season as you choose the perfect motor vehicle accessory gifts for those special car-lovers in your life. Disclaimer: This information is for educational, or entertainment purposes only. It must not be construed as advice, legal, financial, or otherwise. Auto Pedigree does not make any warranties about the completeness, reliability, and accuracy of this information.
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Handover keys
Should I Pay Cash for a Car?
Just as each of us is unique, so are our finances. This makes it impossible to give a uniform answer to the question: “Is it better to pay cash when buying a vehicle or not?”   High Cost of Credit Borrowing money for a car can be one of the most expensive household items for South Africans owning vehicles. The South African Reserve Bank (SARB) tracks the average interest rate charged on instalment sale agreements (the loan agreement used to buy assets such as cars) and reported an average of 11.38% in March 2019.   Recent research shows that the average used car loan is around R234,000. If you took out a vehicle loan for this amount and have a good credit history, you could assume that you may repay the loan at around 12% per annum as follows over three, four, and five years (based on a R234,000 vehicle):    Number of Years Number of Months Monthly  Instalment Monthly Admin Fees Once Off Initiation Fees  Total Interest  Total Repaid 3 Years 36 Months R7881.25 R69 R1,207.50 R46,033.67 R283,725.17 4 Years 48 Months R6262.92 R69 R1,207.50 R62,100.45 R300,619.95 5 Years 60 Months R5301.05 R69 R1,207.50 R78,716.16 R318,063.66 When you investigate vehicle finance options, for example, using various online bank calculators, it’s easy to see that it is cheaper to buy a car for cash than using a loan. However, do not assume it is always better to buy a car for cash even if you have the lump sum available. Consider the following: How much savings should you keep for emergencies, such as possible unemployment or unforeseen medical costs. How much sufficient cash flow you require, for example, if you have your own business. Your credit history and consequently how much you will be charged in interest on a loan. Employment-related factors, such as whether you are self-employed, salaried, have a car allowance or are writing off vehicle loan costs for tax purposes. The necessity of having a car for work. Professional Financial Advice These complex matters pertaining to your personal finances as well as your taxes. Before buying any car, get advice from a specialist accredited in terms of the Financial Advisory and Intermediary Services Act (FAIS); an act protecting consumers by regulating financial service providers (FSPs). These professionals include your: Personal Banker – Skilled in helping clients manage their money by balancing risk and return, and who is knowledgeable about savings, investment and credit products.   Financial Advisor – A professional who provides financial guidance to clients based on their needs and goals especially related to investments, retirement, insurance, home loans, estate planning and taxes. Tax Consultant – A financial expert with advanced training and knowledge of tax law, who advises clients about their tax forms and remaining compliant regarding tax matters, including vehicle purchases. After finishing your financial research, the best part begins as you choose your new car, confident that you can afford it. Start by visiting your nearest Auto Pedigree dealership who can assist you in selecting the car that best suits your needs and pocket.   Disclaimer: This information is for educational, or entertainment purposes only. We do not make any warranties about the completeness, reliability, and accuracy of this information.
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Sitting on a quiet park bench
30 Tips to Beat Everyday Stress in 5 Minutes
Stress is part and parcel of modern-day living, but you can take conscious measures to reduce it. Indulge your five senses by choosing and trying a few five-minute stress beaters, which if integrated into your life can provide long-lasting stress relief.     1. Visit, phone, hug, or kiss someone – Studies prove that strong support networks help people better handle stress and navigate rough times. Students with strong friend and family ties cope better with stress, while those receiving frequent hugs from loved ones have lower blood pressure and a deeper sense of happiness because hugging releases the pleasure hormone dopamine.    2. Take a bath with Epsom salts – Sulphate and manganese are the two main ingredients of Epsom salts and together stimulate detoxification pathways. As Epsom salts increases water’s gravity, those bathing in it feel lighter and more buoyant while also benefitting from its muscle-relaxing properties.   3. Go outside and feel the sun on your face – The sun acts as a powerful weapon against stress and positively affects the body’s levels of serotonin (the feel-good neurotransmitter). This explains why people who get very little sun in winter feel depressed and why walking, hiking, and biking outside is particularly good exercise.   4. Dance – Dance acts as a vibrant stress reliever as the mind feels good when the body does too. Any type of physical activity releases neurotransmitter endorphins which alleviate stress. Although dancing for only five minutes provides benefits, researchers recommend a single 40-minute exercise session to effectively dispel stress.     5. Meditate – Start meditation for five to ten minutes daily to reduce stress. Further benefits include higher energy levels and diminished fatigue, increased energy, better health, improved sleep and greater disease resistance. Meditation also promotes a greater sense of calm and self-awareness, spiritual growth, a positive outlook. and a deeper sense of meaning.   6. Pet an animal – Research on the benefits of human-animal interaction is well-documented and endorses spending time with animals. When petting animals, people experience the benefits associated with increased levels of the stress-reducing hormone oxytocin and decreased production of the stress hormone cortisol. Interacting with animals helps nervous children feel more relaxed about reading aloud, lowers high blood pressure, and can increase the life expectancy of heart attack survivors.    7. Try out aromatherapy – Scents, most importantly, lavender, lemon, bergamot, ylang-ylang, clary sage and jasmine are proven stress relievers.  Benefit from their soothing, stress-relieving properties by using a few drops of aromatherapy oil in the tub, place in a diffuser, light aromatherapy incense, add to your body lotion before applying or allow to evaporate off a nearby cotton wool ball.   8. Drink soothing teas– Herbal teas like chamomile are superb stress relievers due to their calming properties which promote muscle relaxation, help you unwind, and relieve pain and cramping.   9. Get a massage – Massage releases hormones like serotonin, dopamine and oxytocin, your body’s natural defence against stress and elevated cortisol levels. Massage therapy also alleviates or lessens pain. Even after only a five-minute touch massage, heart rates decrease significantly. Experience the benefits of massage by taking a trip to the spa, ask your partner to rub your back or give yourself a foot massage.   10. Enjoy yoga moves – Yoga is an excellent stress beater which helps ease physical discomfort caused by anxiety, lessens panic disorders, reduces pain, and alleviates anxious thoughts.   11. Listen to relaxing music –Music can slow down your heart rate and breathing, lowers your blood pressure, and triggers your muscles to relax and produces responses similar to those you experience while sleeping. Music is the perfect preparation to promote restorative slumber.   12. Eat a piece of dark chocolate – Evidence proves that eating a piece of dark chocolate every day reduces stress.     13. Talk it out – Talk positively to yourself and call a friend or family member to talk about your problems. Good relationships are essential for a healthy lifestyle and even more critical when you’re stressed as a reassuring voice can help put everything into perspective.   14. Skip the junk food –Junk foods, alcohol, sugar-laden drinks, and food with high sodium and fat promote rather than reduce stress. Complex carbohydrates such as whole grains, fruits, and vegetables help reduce stress by inducing the brain to increase serotonin production and stabilise blood pressure.   15. Take a break from technology, especially your smartphone – Research shows that media overload like television, radio, or social networking causes sleep deprivation and is the sixth top cause of stress in the United States. As your smartphone delivers all media stressors at once, it’s best to switch it off when you’re trying to reduce your stress levels.   16. Make a Worry Box - Find a box, decorate it however you like, and keep it in a handy place. Jot down each worry as it crops up on a piece of paper and drop it into the box. Once your worry is deposited in the box, try to turn your attention to other matters thereby using your worry box to let go of your concerns. Alternatively, make a specific time to open your worry box and rethink your concern as your subconscious may have been working on your difficulty while your mind was clear, presenting you with new solutions to your problem.   17. Smile – Research shows that smiling during brief periods of anxiety helps reduce the body's stress response, regardless of whether the person feels happy or not while smiling, as smiling enables you feel the happy emotions associated with it.   18. Take a nap or go to sleep - Sleep reduces stress levels, lowers blood pressure, and may help reduce cholesterol levels which play a significant role in treating heart disease.   19. Seek out laughter – Laughter is strong medicine drawing people together in ways that trigger healthy physical and emotional changes in the body. It strengthens your immune system, boosts mood, diminishes pain, and protects you from the damaging effects of stress. Nothing works faster or more dependably to bring your mind and body back into balance than a good laugh. Humour lightens your burdens, inspires hope, connects you to others, and keeps you grounded, focused, and alert. It also helps you release anger and forgive sooner.   20. Play with children – Children have a unique way of viewing the world –interacting with them can help you enjoy their worry-free views.     21. Start a gratitude journal – Gratitude diaries help you take a step towards viewing life optimistically and gathering the courage to face and deal with your stressors. While writing your diary you may also gain a new perspective and realise certain stressors are trivial.   22. Outsource your tasks – Whether at work or home, stress mounts up as your to-do list grows. Reduce your anxiety by asking for help from a colleague, spouse, or family member to diminish the number of tasks you are responsible for.     23. Perform an act of kindness – Acts of kindness help boost confidence, optimism and reduce stress and studies show that people who volunteer to help others are healthier and happier than those who don’t. If you have some spare time, consider volunteering to assist in a community event as a few hours of volunteerism keeps stress at bay.     24. Go swimming – Swimming is an inexpensive, highly effective way to beat stress and depression whether you swim in a pool or the sea. It helps boost your mood, calms the body and stimulates the brain to release the neurochemicals that reduce stress and help the body feel good. Additionally, the added effect of water moving over your body creates a massaging sensation which promotes relaxation.   25. Chew sugar-free gum – Studies show that chewing gum can reduce stress and cortisol in the body and help you feel more alert and less anxious.   26. Let your imagination run wild - Guided imagery techniques help with stress management and provide similar benefits to deep breathing. Sit in a quiet place in a comfortable position and allow your imagination to take you to your happy place.   27. Give a compliment - Sharing compliments with others makes you feel better about yourself and changes the way people treat you, effectively reducing tension at work and home.     28. Treat yourself – People feel special on their birthdays when receiving presents or enjoying a special meal. When you feel stressed, buy yourself a present, go out for something tasty to eat or drink, or do something that makes you feel happy.   29. Try art therapy - Art therapy helps you use self-directed art to give you down-time and the opportunity for self-care. It also provides benefits associated with using your creative side, getting in touch with your feelings, taking your mind off problems, improving performance, and enables you to tap into the state of flow, similar to meditation. When you look at your completed art, even for five minutes, it will trigger a sense of positivity and wellbeing.   30. Go for a walk - Walking, like any other cardiovascular exercise, boosts levels of endorphins which reduces stress, alleviates mild depression, improves your mood and self-esteem. Meditating while walking, even for five minutes at a time, has proven mental benefits.   Whether you are experiencing mild or severe stress, these five-minute stress beaters can help you deal with your problems in the short and long term. Get into the habit of using a few regularly as part of your lifestyle to keep yourself mentally and physically healthy.
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Vehicle Shortfall Cover
What is a Vehicle Shortfall Cover?
Vehicle Shortfall Cover is also known as Credit Shortfall, Shortfall Policy, Shortfall Insurance, Shortfall Protection, Top-up Insurance, Gap Insurance, and a variety of combinations. When purchasing a car there are various things to consider. Car insurance and financing are important at the initial point of buying and one that most of us know and understand enough of. unfortunately, like most moveable possessions, cars can be stolen, and not only, that they can be involved in an accident and written off. Vehicle shortfall cover will cover the difference between the car’s retail value and the amount you still owe on your loan. The advantage of buying a second-hand car over a brand new car is that the value of the new car you just bought will drop substantially the moment you drive it out of the showroom door. Sadly for the new-car owner, while it’s now worthless, the monthly instalments remain the same.   How Does Shortfall Cover Work? The shortfall amount is the amount that would be paid out to the financial institution with which you took out a loan to settle the outstanding amount owed so that it doesn’t have to come out of your savings. The best way to explain how shortfall works is with an example: a)     You purchase a vehicle and finance it through a bank for the amount of R100,000. b)    You pay a deposit of R20,000 against the loan amount. c)     You have an accident and the car is written off. d)    Your insurance company only pays out the current retail value, which is now R60,000 to the bank. e)     You still owe R80,000 on the vehicle. f)      The shortfall amount is R20,000. g)     If you have shortfall cover, the R20,000 will be settled and paid to the bank. If not, R20,000 will have to come out of your pocket to pay the bank. Depending on the policy anything over and above this, such as excess payments, charges for payments in arrears, administration and other fees are your responsibility and not included in shortfall cover.   Why Get Shortfall Cover? South Africans are found to be very attached to their vehicles, and in fact, four out of ten car owners actually give their cars a name. 37% even indicated they wouldn’t be able to function without it if it was stolen or written off. If you’re buying a new or second-hand car and financing it through a bank or other financial institution, it’s worth considering shortfall cover. With the current accident and crime statistics seriously affecting car owners, it makes sense to be covered for these unforeseen events rather than to keep on paying for a car that is no longer in your possession. A brand new car will depreciate by 15 - 20% in just the first year you purchased it. After five years that depreciation increases by approximately 50%! Unless you have enough money in your savings account, you may struggle to keep up with monthly instalments on a car you no longer own. Crime statistics showed a total of 16,325 car were hijacked in 2017/18. On average, 45 cars were hijacked each day in 2017/18. That’s one every 32 minutes. The loss of a vehicle whether through theft or an accident is traumatic, to say the least. Shortfall cover allows you some room to breathe by not having to think about the debt you owe on your vehicle. Auto Pedigree offers ADCOVER®, where if your claim is successful, will contribute R6,000 towards your access. If you’re looking to cover yourself against shortfall, contact an Auto Pedigree dealer to discuss your vehicle financial risk cover.
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Colourful umbrellas
What is a Lifestyle Protection Plan?
‘Lifestyle Protection Plan’ can sometimes be referred to as Risk Cover, Credit Protection, Disability Income Protection, or Critical Illness Cover. The variety of protection plans come in various shapes and forms and differ according to specific offerings.  Essentially, they take care of your financial obligations should you suffer a loss of income. This means you will not need to worry about the everyday cost of living expenses such as bills and other financial commitments if you become critically ill or suffer a disability that leaves you unable to continue earning an income. Think of it as a cushion should anything happen to you where you’re not able to continue paying your debts.   Benefits of a Lifestyle Protection Plan Illness or disability is a devastating occurrence and can occur when you least expect it. Heart disease and stroke are the biggest killers after HIV/AIDS in South Africa and more die of cardiovascular disease than all cancers combined. According to the Heart and Stroke Foundation South Africa (HSFSA): 215 people die every day from heart disease or strokes, and every hour in South Africa: a)     5 people have heart attacks, b)    10 people have strokes and of those events, c)     10 people will actually die from it.   Lifestyle protection becomes extremely beneficial not only to you but to your family too, as it helps you meet your monthly expenses while you focus on recovery back to wellness. With an Auto Pedigree Lifestyle Protection Plan, if you purchased a car and tragedy hits before you’ve finished paying off the instalments, at least you are free from the worry of your vehicle debt. Whether it’s dread disease, a disability, or even if your living conditions change temporarily, such as retrenchment or illness, where you’re not earning an income for a lengthy period, the plan provides peace of mind that your vehicle payments will be covered.   For example, you purchase a car and have it financed through a bank. Some months later you fall ill and are unable to continue working. With the Lifestyle Protection Plan you don’t need to worry about the monthly instalments you would normally pay because it will take care of the outstanding amount owed to the bank.   Cover in a Nutshell As mentioned, all plans are unique in their requirements and what they cover, however, there are many commonalities. These are examples of what typical lifestyle protection plans cover should any of them happen to you resulting in a loss of income: Retrenchment – Full monthly instalment for a period of time Temporary Disability – instalments for the period Permanent Disability – Total outstanding balance Dread Disease/Critical Illness – Total outstanding balance Death – Total outstanding balance Examples of dread diseases typically covered:  Heart attack, cancer, organ transplants, coronary disease (surgery), kidney failure, stroke, Alzheimer’s, and Parkinson's disease. In today's circumstances when life is as unpredictable as ever, it makes sense to be prepared. If you’re looking to get lifestyle protection on your car, contact an Auto Pedigree dealer to discuss your needs.
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Avoid high car maintenance costs
10 Tips to Lower Car Maintenance Costs
Buying a new car is exciting but also takes a large chunk out of your budget. A brand new car will depreciate by approximately 25% during the first year after purchase. Further to this, fuel prices continue rising and insurance and maintenance costs are on the increase. Combat pricey maintenance costs by following these top ten tips:   Read and understand your owner’s manual and adhere to the regular prescribed service maintenance schedules – check brakes, tyres, and transmission fluid and replace when necessary. Schedule additional services if needed to prevent unnecessary and expensive repairs.     Prevent a costly engine replacement which can vary between R28,000 and R180,000 depending on the engine’s age, technology, and complexity, by changing your oil and oil filter as prescribed in the manufacturer’s handbook. Over time, oil accumulates impurities that cause engine damage or ultimately failure.    Avoid costly engine part replacement and maintain peak performance by changing the air filters every 20,000km or once a year.  Ensure your car’s engine lasts for its predicted lifespan by using the oil type and brand specified in the manufacturer’s handbook that best suits your car.  Prevent unnecessary expensive paint jobs by caring for your car’s exterior. When new, wash and polish less frequently because this can dull the shine. When you do wash, use quality products that won’t damage the paintwork or leave smears.   Preclude highly expensive repair costs by purchasing a warranty or extended warranty. Select an appropriate motor insurance policy to prevent having to pay high repair costs should your vehicle be involved in an accident.  Read the Kinsey AA report while budgeting for a new car. It helps you understand the costs of replacing car components, as well as which cars are more expensive to maintain than others. Car parts have shown an astounding escalation between 2017 and 2019, for example, the basket of parts for the entry level Datsun GO increased from R44,372 in 2017 to R63,310 during 2019.   Never exceed speed limits as this leads to component stress and excessive wear and tear due to persistent red-lining, hard braking, and fast turns. File service receipts and related information to keep a record of the work that has been done on your car, so that you don’t go ahead with unnecessary repairs. This also increases your cars residual value should you wish to sell it.   Save yourself money by following these tips and contact your nearest Auto Pedigree dealer for assistance if you are looking for a good insurance policy or warranty.
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Car Warranty vs. Insurance
Warranty vs. Insurance – What’s the Difference?
Although choosing the right car may be perplexing, protecting it and its long-term usefulness needn’t be. Preserve your investment by understanding the difference between warranties and insurance. The one is a guaranty to replace defective components, the other safeguards the value of the car and protects you against financial loss.   Types of Warranties Vehicle warranties are written guarantees by motor manufacturers and dealers to replace or repair defective vehicle components for a given period of time. Policyholders should carefully read and understand the warranty fine print as the cover provided and specifics vary between the various warranties. Here are the most common types:   Basic Warranty or Manufacturers’ Warranty – Covers specific components of a new car that must be fixed, where necessary, by the dealer’s workshop free of charge. To keep warranties valid, car owners should only service and repair their vehicles at authorised franchises or dealers. Here are examples of components that are typically covered and not covered by basic warranties.   MANUFACTURER WARRANTY COMPONENTS COVERED NOT COVERED Engine Tyre and wheel wear and tear Transmission system Exhausts Fuel and ignition system Catalytic converter Cooling system Brakes Electrics Damage to bodywork Gearbox Glass Steering Headlights Non-friction clutch Audio equipment Brake system parts Satellite navigation system   Dealership warranty - These written guarantees are sold by dealerships and used by vehicle owners to ensure their car’s safety, reliability, and roadworthiness, but not wear and tear. They contain stipulations which need to be followed to safeguard cover, for example, required procedures should a component break down.    Powertrain warranty - Guarantees the mechanical components of your car that produce kinetic energy, such as, transmission, drive shafts, axle and clutch, but not the engine.   Rust and corrosion – Formal assurance that holes in your car’s metal resulting from rust will be repaired.   Emissions warranty –Covers your car for emission problems incurred over a specified number of years or distance.    Extended warranty or aftermarket warranty - Manufacturers’ warranties only last a stipulated number of years making it important to take out extended warranties. However, these often cover fewer components than the original warranty. Read more: How Car Insurance Works   Warranty vs. Service & Maintenance Plans If you’re confused by the difference in warranty cover compared to service and maintenance plans: · Warranties cover inherent faults, defects, and the breakage of specific vehicle parts. · Service plans pay for routine servicing costs including filters, brake fluid, oil, spark plugs, and coolant. · Maintenance plans settle costs associated with component wear-and-tear, for example, the clutch, exhaust, and wiper blades.     Common Types of Car Insurance In return for a monthly premium, car insurance safeguards your vehicle’s value and protects you against vehicle-related financial loss. The most common types of cover for damages are: Collision cover for vehicle-related expenses Liability insurance pays for people, property and court costs Comprehensive insurance covers theft, fire, vandalism and extreme weather conditions Medical insurance compensates for injuries sustained in a car accident Insured or underinsured cover pays for expenses caused by other, uninsured drivers in an accident   How Reasons for Cancelling Car Insurance and Warranties Differ Insurers have the right to cancel a warranty or insurance if vehicle owners do not adhere to stipulations and conditions. To prevent cancellation or claim rejections: Service your car as stipulated – Although agrace period may be allowed, it’s usually not for long periods or for many more kilometres than agreed. Have your car repaired by registered dealerships – Your warranty can be voided even if you only change your oil yourself. Keep all service records and receipts as proof of proper maintenance. Do not abuse misuse or neglect your car – Only use your car for the purpose for which it was designed, for example, sedans are for tar roads, not dirt roads. Maintain it regularly. Research before upgrading – Researchaftermarketupgrades carefully before installing them as they can cause your warranty to become void. To prevent car insurance cancellation and claim rejections: Pay your premiums timeously. Disclose vehicle and driver details factually as insurance policies only cover the named driver (or drivers) and specified vehicles in event of an accident. Disclose accurately your name, age, insurance, driving, credit, and health history. Don’t drive recklessly especially if your policy includes a “failure to take care” clause as these insurance policies won’t cover you if you were speeding or disobeying a road sign. Secure your vehicle as required as many insurers state that you must take adequate security precautions concerning your vehicle including parking your car in a garage or installing an alarm. Read more: 3 Things You Should Know About Car Insurance   As there are numerous ways to protect your car, such as vehicle insurance or component cover, contact your nearest Auto Pedigree dealer for all the various products and services we offer.   Disclaimer: This information is for educational, or entertainment purposes only. It must not be construed as advice, legal, financial, or otherwise. We do not make any warranties about the completeness, reliability, and accuracy of this information.    
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