car-engine
What is Vehicle Warranty Cover?
Ideally, when you purchase a second-hand car, it should come with a service history. A vehicle warranty assures you against mechanical failure, where the car fails to function as expected. It provides you with coverage should you need to claim for major repairs from mechanical breakdown.   These are 8 important points to understand about vehicle warranties:   It is a contract provided by the dealer or manufacturer (in the case of new vehicles) to the buyer when the car is sold. In the case of a new vehicle, the manufacturer warranty guarantees the buyer that should the vehicle not function properly, it will be replaced or the buyer refunded. Not all warranties are made equal – they differ between sellers in terms of the validity period and what is covered. As warranties are valid for a specific time period only, a used car will naturally come with a shorter warranty period or may have expired. The warranty policy must list the functions and components covered. If you buy a used car with an expired vehicle warranty, you can take out an aftermarket vehicle warranty. Warranties do not necessarily cover the full claim amount – be wary of this and consider taking out an extended or top-up warranty. It is not a maintenance policy, which covers you for wear and tear and damages to your car.   What is Generally Covered by a Vehicle Warranty?   Warrantees and their validity period will differ depending on various factors: The car manufacturer (in the case of new cars) The age of a used car The dealership where you purchased the car   What is Covered What is Not Covered Repair of defects within a fixed period of time Repairs as a result of damages from an accident Engine, gearbox, and transmission system Normal wear and tear items such as tyres, brake pads, and clutch Fuel and ignition system Routine services and maintenance Cooling system Repairs due to misuse of the car Electrics Exterior or body panel damage such as dents and scratches Steering and suspension Interior damage such as holes, burns, rips, or broken components Non-frictional clutch   Brake system parts     5 Top Vehicle Warranty Tips   As mentioned, not all warranties are made equal. Some vehicle warranties will cover almost everything on the vehicle while others will only cover breakdowns or failure to major components of the vehicle.   Check the service history of the vehicle – if the vehicle you are purchasing has not been recently serviced, ask your dealer to have one arranged. Ensure repairs or parts replacement is done by an approved service provider or your warranty will be deemed invalid. Notify the dealer or manufacturer as soon as you discover a defect – both by phone and in writing. Make sure you service the car within a certain period of time or mileage. Read the terms and conditions –  if you understand your warranty and follow the rules, you won’t be caught off guard without cover where you thought you were covered.   Where you buy your second-hand car matters. Auto Pedigree vehicles come with proven service history and a stringent 116-point check, so you are assured of driving home a quality used car that is affordable.   Once your manufacturer car warranty expires, you can take out an extended warranty such as the Auto Pedigree ultimate care warranty. This will provide continued peace of mind in the event of mechanical or electrical breakdown.     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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vehicle technology
What is Mechanical Breakdown Warranty
  With the high cost of car repairs, when it comes to buying a used car, you always want to be able to see a proven service history, or risk spending a lot more money than you bargained for.   In an older car, because the originalmanufacturer’s warranty may have likely expired, mechanical breakdown warranty can protect against the cost of parts and labour incurred by mechanical and/or electrical failure when your car breaks down unexpectedly.   These are important facts to note when purchasing a mechanical breakdown warranty:   Unlike an extended warranty where you pay a lump sum upfront, mechanical breakdown cover is paid in premiums over the finance/policy period. Comprehensive car insurance covers you for road accidents and not breakdowns. Mechanical warranties cover you for breakdowns unrelated to an accident. Amongst other areas, it does not cover: Everyday wear and tear such as work tyres or brake pads Long term wear and tear such as corrosion Intentional damage Damage due to poor maintenance Incorrect use of the vehicle   What Components are Covered?   Components covered depends on the insurer, but to gain maximum value from your warranty, you should have car your car serviced regularly at a registered manufacturer appointed dealer or RMI registered facility.    Auto Pedigree Ultimate Care Warranty covers the following:* Engine Gearbox, Differential Differential Lock, Transfer Box, Turbo or Compressor Assembly, Management System Casings, Electronic Ignition, Air-Conditioner, Cooling System Suspension, Wheel Bearings, Braking System, Fuel System, Electrical Components, Electrical Winch, Free Wheel Hubs, Prop Shaft (Drive Shafts), CV Joints, Steering Mechanism, Clutch, Radiator Emission Control Cylinder Head Gasket, Drive Pulleys, Cambelt Failure Viscous and Electric Fans Electric Motors (Sunroof and window), Electric Mirrors, Central Locking GPS Navigation System, Entertainment System, Phone System, Transponder Key, Alarms and Immobiliser   Additional Benefits: Vehicle Hire, Overnight Accommodation, Instalment Payment Protection, Insurance Excess Payment, Public Transport Strip and Quote     *Please refer to the policy wording for a detailed list of all components covered.     If your car’s warranty has reached its validity, avoid the high cost of mechanical or electrical repairs in case of a breakdown. Contact us on 010 593 9505, or find your nearest Auto Pedigree dealer for a quote.     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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Driving - by Why Kei (Unsplash)
Car Insurance for Young Drivers
  As a young driver, what are the benefits of vehicle insurance, and is it necessary to spend money on insurance at all?   If you’re 25 years of age or younger, car insurance premiums tend to be higher than for drivers 30 years and older. But what causes these higher rates and what can you do to decrease them?   5 Factors influencing car insurance premiums   Age – People 25 years of age or younger are considered less experienced drivers. Insurers may also impose an additional excess over and above the basic excess for young people driving a vehicle valued at R500,000 or less.     Lifestyle – Young people tend to travel more frequently on the roads at night, which can be more dangerous. After dark is often when drivers tend to be more reckless, driving under the influence of drugs or alcohol, and speed more because there are fewer cars on the road. Credit ratings – A poor credit history or lack of one will result in higher premiums. Paying your insurance and credit accounts on time will help you build a positive record and diminish your premiums. Gender – This is an important rating factor because statistics prove that female drivers have fewer accidents than males.   11 Insurance Tips for Under 25s   Although age counts against you in terms of the cost of car insurance at this stage of your life, here are ten hints to help you save money: Be self-disciplined – Having a higher excess can save on premiums but exposes you to greater risk. If you are disciplined, you can mitigate against this risk through self-insurance by saving the money you would have paid for more expensive cover. This savings can be used to pay for excess in case of an accident.   Shop around – Research and compare various insurance companies to find the one that best suits your budget and requirements.  Build a profile – Register your car insurance in your own name as soon as possible as this helps you build an insurance profile which helps with savings on premiums within three years. While it may save on premiums to register under a parent’s name, claims will be rejected. Begin with what you can afford – If comprehensive insurance is too expensive, take out third party insurance which only covers damage to the other cars involved in a collision with you. Although this is riskier as your own vehicle won’t be covered in an accident, you will be able to start building an insurance record and can upgrade as soon as you have the budget to do so. Build a good record – Your driving experience and claims history are two important factors when calculating insurance premiums. Safe driving will help build a good driving record and lower your car insurance premiums. Ensure security – Be mindful whenever you park your car that it is parked in a safe location as much as possible. This, and installing security features like tracking devices will help lower your premiums. Pay-as-you-drive – If your mileage is low, some insurers offer a pay-as-you-drive option, allowing you to pay lower insurance premiums if you spend less time on the road. Avoid aftermarket additions – Items like boot-spoilers, wide rims, and expensive sound systems can affect a car’s performance as well as make it more attractive to thieves, and ultimately increase your insurance premiums. Enhance your driving skills – Invest in an advanced driving course to improve your road safety skills and potentially even bring your premiums down. Consider a smaller engine –  because of their lower speed capability, insurers deem cars with smaller engines safer and will charge lower premiums to cover them. Combine car and home cover – As you build your insurance record, it pays you in the long term to cover your car, household, and other valuables under one policy.   If you’re looking for an affordable quality used car that will give you long-lasting peace of mind, Auto Pedigree has over 65 dealerships countrywide. With a wide range of makes and models to suit a young driver’s needs, we also provide excellent comprehensive car insurance, as well as a range of other vehicle covers, all under one roof.   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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Highway traffic
What Car Insurance is Required by Law in SA?
  Car owners are not legally required to take out car insurance unless the car was purchased with a loan from a bank or other financial institution.   Some drivers rely solely on Road Accident Fund cover but claims are often processed slowly, outcomes may differ from what is expected, and cover is limited. Expenses for medical and funeral costs are covered and so is compensation when a breadwinner is killed due to another driver’s negligence. However, no cover is provided if a driver is sued for damages to another person’s property or vehicle.   Why Get Cover?   Accident statistics are a good indicator of the importance of being covered, regardless of whether your vehicle purchase is being financed or not.   Recent estimates show that 65 - 70% of the approximately 12 million vehicles on South Africa’s roads are uninsured. It is also estimated that at least 14 million families face a combined insurance shortfall of almost R29 trillion if the main breadwinner were to become disabled and unable to generate an income any longer. Consider the following road accident statistics :   Annual deaths – Around 15,000 per year (over 40 per day). Deaths over the past decade – Over 134,000. The number of accidents – Close to one million reported annually. Disability – An average of 20 people left permanently disabled per day.   National car accident costs -  Road accidents cost South Africa  R142.95 billion per annum, which is 3.4% of South Africa's (GDP) and much higher than the 2.2 GDP cost for similar countries. Accident cost breakdown – The Gauteng Roads Department confirmed that total crash costs can be broken down as follows:- Human capital: 69.3% Vehicle repairs: 14.9% Related incident costs 15.8%   What Car Insurance Do I Need?   Statistics prove that driving can be dangerous, and drivers should safeguard against these risks by taking out insurance to meet their needs and budget from the 3 main types: Comprehensive vehicle insurance which although most expensive provides the best cover and protection in event of accident, theft and, damage including flooding and fire. Third-party fire and theft that, despite being less expensive and not covering car replacement, provides cover for damage caused by fire, theft and, hijacking. Third-party cover, usually the cheapest in the market, only covers damage to other vehicles in the accident. Remember that your car insurance won’t cover you for: Normal wear and tear Intentional damage Loss or damage should you leave South Africa’s borders without the appropriate certificate from your insurer or broker showing you have cover outside the country.    While Auto Pedigree offers vehicle insurance against theft, damage, and accidents, we also provide a range of products and services such as vehicle interior and exterior maintenance cover to minimise normal wear and tear.   Do you have questions on vehicle finance? Fill in the online form or call 086 011 1133 – we’ll help you find the best comprehensive vehicle insurance cover for your individual needs.     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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Vehicle protection
3 Things You Should Know About Car Insurance
Mandatory Comprehensive Insurance   Comprehensive vehicle insurance is a contract between you and your chosen insurance company. It protects you against: Accidental loss or damage to your vehicle Legal liability for loss or damage to another person’s property When budgeting for a new car ensure you can afford your car repayments as well as your insurance premiums. Even one instalment missed can lead to your policy lapsing and putting you at risk.   Vehicle Cover Provided   Before taking out car insurance, assess who you need to cover under your policy, which may include: Insured only Insured and spouse Insured and other named drivers and licensed drivers. Apart from deciding who will be covered by your insurance policy, make sure you understand the depth of cover you’re taking out, and read your policy document carefully before signing it.   If your car is insured for private use all personal, non-business related use would be covered as well as certain business-related travel, for example, travelling to work and back. Your private use policy could also provide cover when you visit clients or other businesses and could also include any samples you carry as commercial goods in transit are often also insured.   If your circumstances change, for example, you start lending your car to someone else to use in a business you have started, reassess your cover and determine who should be covered by your policy and whether your vehicle should be insured for commercial rather than private use. It is environmentally and financially wise to join lift clubs, but if you decide to use your car for this purpose, check ramifications with your insurance company.   Insurance Renewals   You can choose to take out an insurance policy for a year and renew it thereafter. If you do, you’re likely to receive a renewal notice from your existing insurer and can renew your policy with them or test the market for a better option. Constantly changing insurers could affect your premiums negatively, so bear in mind that loyalty can possibly pay off in the long run.   When you start planning to buy a new car, remember to budget for vehicle insurance. When buying a second-hand car through Auto Pedigree, we’ll help you get the best comprehensive vehicle insurance cover that suits your individual needs.   For a free insurance quote, fill in the form and one of our brokers will respond as soon as possible.   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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Calculator and calculations
Is Comprehensive Car Insurance Necessary?
  The term car insurance makes us think that this type of cover is about protecting your vehicle. In reality, car insurance is about covering you as the motorist. If you cause an accident on the road you are liable for the damages made to the other vehicle. While third-party insurance covers damages and injury done to the other driver, it does not cover you as the driver who caused the accident. You would then have to fund your own medical expenses and car repair bills.   Read more about the 3 Main Car Insurance Types >>   The Effect of Road Accidents in South Africa   Knowing the effects of road accidents and injuries that occur on the roads in South Africa can help to understand the importance of comprehensive car cover. In 2015 alone, the Gauteng Roads and Transport Department revealed the following figures: Cost to the country’s economy: R143 billion People seriously injured: 62,520 People slightly injured: 202,509 A further 1,429,794 people were involved without sustaining injuries Human casualty costs: 69.3% of total crash cost Vehicle repair costs: 14.9% of total repair costs Related incident costs: 15.8%   The Consequences of no Comprehensive Cover   In an economy when most of us are trying to find ways to make ends meet, insurance policies are one of the first areas we cut back on. But with the staggering figures presented above, the negative effects should not be underestimated, especially if you consider the high costs of car repairs and medical bills.    Theft Another important consequence of not having any cover is theft of your motor vehicle. The impact is worse if your car is still being paid off, as you will still need to continue paying the monthly instalments, as well as the repairs to the damage done. Third-party, theft, and fire policies are a cost-effective option to consider, especially if you live or work in a less safe area. Investigate the various ways you can add security to your car – these could also help bring down insurance premiums. Auto Pedigree offers vehicle security products such as Datadot® technology, tracking, and window safety film.  Damage to Another Vehicle If you choose to cut back on your car insurance, it’s probably best to only reduce it down to third-party cover without eliminating insurance completely. The liability on you to pay for damages and injuries for both yourself and the other driver could set you back hundreds of thousands of rands, and if you are unable to pay for third-party damages, you could be sued. Damage to my Vehicle by Another According to the AA, in 2018, some 65 - 70% of vehicles on South African roads were uninsured, and this number is growing. Therefore, only three accidents out of ten would involve someone who would be able to pay for any damages at all. This is why the AA have stated that it is the responsibility of each car owner to make sure they cover themselves.   As mentioned above, without comprehensive car insurance, you incur the massive costs of all parties involved in an accident. However, even if the accident was not your fault, the inconvenience of trying to claim for damages done by another driver is often not worth the time and energy. In fact, you could even incur additional costs on legal matters without any guarantee that you will be able to claim. So, while comprehensive insurance is the most expensive cover to maintain, it provides the most peace of mind. However, any insurance is better than no insurance, so think carefully when looking for ways to cut back on expenses. When you’re ready to buy a used car from Auto Pedigree, talk to us about finding an affordable car insurance option suited to your budget. With over 7,000 satisfied customers, we’re here to provide you with excellent service. Call us on 0860 331 331 or 086 011 1133.   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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Vehicle Financing Without a Credit History
You’re young, adventurous, and seeking independence. You would like your own set of wheels but are uncertain how to buy a car as you haven’t yet built up a credit history. Here are some options:   Suretyship When you purchase your first car you may need assistance from a blood relative who is willing to stand surety for the vehicle loan from a bank. Suretyship is specialised insurance and takes place when a person guarantees the performance of an obligation by another. For example, if a parent stands surety for a child, the parent guarantees that the child will perform payments regularly and on time.   Typically, parents would have built up their own credit history along with some assets, which banks use as security for a loan. As they are most likely to be prepared to help their children get on their feet, they are often the ideal surety for a young person’s first vehicle finance transaction. The bank will assess both your parents’ and your financial affairs before granting a loan. If you fail to meet your loan obligations after the loan has been granted, the bank will hold the person signing surety, in this case, your parents, responsible for the debt. That’s why it is important for you as a young person to budget carefully for your new vehicle by taking into account: • Loan repayments – Capital sum, interest, and fees • Vehicle insurance – All young car owners should have comprehensive cover By buying your first vehicle, even with the help of a surety, you will start building your own credit history which will be a positive future asset if handled correctly.   Shop Around Always shop around for the best vehicle finance and trade-in deals before you make your final decision. This is especially true if you have a trade-in on your purchase. The price dealers offer for trade-ins vary considerably depending on their stock levels and perceived ability to sell your trade-in.   Vehicle Finance for Graduates Body If you have already made in-roads in building your future and completed tertiary studies, you may qualify for favourable interest rates or even vehicle credit in your own name. Research the options provided by South Africa’s leading financial institutions and select the one that best meets your financial and life circumstances. Here are some offers made by banks to help young, qualified people finance their first vehicle: • Standard Bank – Prime less 0.25% • Absa bank – Prime less 1% • Investec – Developed a package for top-earning graduates to meet their banking, financing and wealth management aspirations. • Nedbank – Provides the Professional Banking package for under 30s with a four-year degree. Through this product bundle, young people are given a 50% reduction in banking fees and assigned their own personal banker to help them with vehicle and other asset financing. • Wesbank – The Wesbank Graduate Finance portfolio was launched in partnership with leading service providers to enable graduates with no credit history to buy a car. Graduates from various institutions are given competitive interest rates and tailor-made packages on selected car models.   When giving serious consideration to buying your first car, visit your local Auto Pedigree dealer for advice on suitable vehicles and financing options.   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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Driving on the road
How Car Insurance Works
Car insurance can be confusing for many vehicle owners – what with the different types of cover available, how the premiums are determined, and what happens when it comes to paying out.   The Road Accident Fund (RAF) does cover injuries to the persons involved in an accident but does not cover damage to the vehicles. A driver who is not covered by car insurance is liable for damages incurred caused by the accident.   To understand how car insurance works in South Africa, it helps to know about the different types of cover available. The three main types are: Third-party only Third-party, fire & theft Comprehensive   Third-Party Insurance   The most basic and least expensive option, third party insurance only covers accident damage done to the property of another individual, and costs of injury or death to the third party passengers or individuals involved in the accident caused by you as the driver. For example, if you cause an accident by hitting another vehicle, your insurance will cover the cost of vehicle repairs and medical bills of the other person (the third party).   Third-Party, Fire and Theft Cover   This option is one level up from third party insurance, offering you all the same benefits, but also covers your car against fire damage and theft. However, it does not cover your car for damages in the event of an accident.   Comprehensive Car Insurance As the name suggests, this type of car insurance is the most extensive and covers you for all the above – third party, fire, and theft – as well as road accident damage, weather damage, and hijacking.   How Car Insurance Premiums are Calculated   Whether applying for vehicle insurance for a new or used car, there are several aspects insurers consider in an assessment to determine your monthly premiums. The main factors are: Insurance history – The longer you have uninterrupted cover for the period of vehicle ownership, the better standing you will have with insurance companies, and the more favourable your premiums will be. Therefore, ensure that you are covered for every new replacement vehicle you purchase from the onset. Any lapse in coverage can influence an increase in premiums. Driving record – Insurance companies will see you in good light the longer you have not been involved in a vehicle accident caused by your own negligent driving. Accidents and accident claims on your record will cause increased rates on your premium. Residence and parked location – Where you park your car at night is an important factor when determining your premiums. The best chance of a lower premium here is to live in a safe area and to park your car in a locked garage. Another consideration is that densely populated areas mean there is a higher chance of being involved in a car accident, thereby pushing up the premium rate.  Road travel time – The more time you spend driving on the road, the higher your chances of you being in an accident – thus, you can expect to pay higher premiums based on this. Make and model – Generally, vehicles with a higher price point cost more to insure. For example, if you drive a luxury sports car, you will pay more for parts and repairs than a lower-end hatchback, hence insurance premiums will be higher to cover those costs. Safety is also an important factor – cars with a good safety rating will lower the insurance premium. When Your Car is a Write-Off If your car is in an accident and the cost to repair the damage is more than the car’s market value, then your car is considered a write-off. In this event, the insurance company will keep the car and pay you the market value. Note though there will be a policy excess to pay.   What is Insurance Excess?   Excess comes in two forms, compulsory and voluntary. Compulsory excess is non-negotiable and set by your insurer, however, you can choose to pay a further excess to help bring down your monthly premiums.  The voluntary excess amount is an agreed amount you as the insured pay when claiming. This initial payment is first made by you as the insured for repairs to be done before your insurance company makes their contribution. For example, if the damages to your car amount to R65,000 and your excess is R10,000, the insurer will pay out the remainder which is R55,000. How to Claim from Insurance   If you’re involved in an accident, contact your insurer as soon as possible and provide all the relevant details: time, location, the third party’s name, insurance provider, license number, ID number, vehicle make and model, and all the contact details.   Apart from offering quality used cars in South Africa with dealers countrywide, Auto Pedigree strives to serve our customers with superior service. Let us help you find the right insurance package – contact us for a free insurance quote.   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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