● Free 30-second gap check

Your car insurance has a blind spot.

See what it could cost you. Standard cover pays out your car's depreciated value — not what you owe, and not what a replacement costs. The difference is your pocket.

Check My Gap — Free → How gap cover works
The average new SA car has lost R0.00 since you opened this page — yours won't be paid back.
5,300+ protected drivers Instant online quote No broker. No call centre.
Underwritten by OMART Insure — Old Mutual Alternative Risk Transfer Insure Limited
Depreciation Calculator

What's your gap?

Pick your vehicle. We'll show what an insurer would likely pay out today — and the shortfall you'd carry on a write-off, theft or hijacking.

Why it matters

Gaps are discovered too late.

Most drivers only learn what "market value" means on the day their car is written off — standing next to a tow truck.

-31%
Typical value a new car loses in its first 3 years — while your finance balance barely moves.
R5–15k
Basic excess you must pay before a standard claim even proceeds.
1 in 4
Financed vehicles are worth less than what's owed at some point in the loan term.
Four ways to close the gap

Extra protection that fills the gaps

Add-ons designed for the most common shortfalls when your vehicle is damaged, written off, stolen or hijacked.

Basic Excess Waiver
Covers the basic excess on any valid claim under your main policy — so a claim never starts with a surprise bill.
Fixes: upfront excess
Credit Shortfall
Pays the difference between your outstanding finance and the insurer's depreciated payout on write-off or theft.
Fixes: owing more than the payout
Original Insured Value
Tops your payout back up to your vehicle's present-day value — effectively cancelling depreciation on total loss.
Fixes: the depreciation gap
Retail Value Booster
Boosts your standard payout by 20% of present-day value — bridging the jump from market value to replacement cost.
Fixes: replacement inflation
Compare all products →
Questions

Straight answers

Isn't my comprehensive insurance enough?
Comprehensive cover pays your car's depreciated market value at claim time. It doesn't cover your excess, your outstanding finance, or the higher cost of replacing your car at today's prices. Those are the gaps these products address.
Who underwrites these products?
All products are underwritten by OMART Insure — Old Mutual Alternative Risk Transfer Insure Limited, a licensed non-life insurer (FSP 49551) — and administered by Onevap (Pty) Ltd (FSP 48282).
Do I need to speak to a broker?
No. MotorQuote is a self-service digital platform. You get a free, instant, obligation-free quote online in a few minutes — no broker, no call centre, no pressure.
Is the calculator result my actual payout?
No — it's an illustrative estimate based on typical SA depreciation curves, provided for education only. Your actual quote and any payout depend on your vehicle's assessed value and the product terms. T&Cs and limits apply.

Ready in the time it takes
to fill your tank.

A few minutes now closes a gap that could cost you six figures later. Free, instant and obligation-free.

Get My Free Quote →
5,300+ protected drivers Underwritten by Old Mutual ART