The worst-day maths · 30-second check

What's your gap?

On a write-off, standard insurance pays your car's depreciated value — after your excess, and before the bank is settled. Everything else is your gap. See it, then close it.

Illustrative worst day3-year-old car · insured for R450,000
Cover you're missing R296 600
Depreciation gap · R162 000
Insurer paysR288 000
loan balance R350k
R0 insurer stops here R450k
Illustrative example · payout R288 000 · excess R15 000 · loan balance R350 000 · T&Cs and limits apply
Four covers. Four different holes. Tap each ↓
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Now check your car.

Pick your vehicle and we'll pull its live retail value — then show what depreciation could quietly cost you over the next year, and the next five.

Why the gap exists

One payout. Four holes in it.

On a write-off, theft or hijacking your insurer pays today's depreciated value — minus your excess. The bank still wants its balance, and replacing your car costs today's prices. Each cover closes a different hole.

1
See the holes
Excess off the top, the bank's shortfall, the value depreciation took, and replacement inflation.
2
Close them
Four affordable covers, underwritten by Old Mutual ART — each one plugs a specific hole.
3
Drive covered
One quick quote and the worst day stops being a financial one too.

Close the gap for good.

It takes about two minutes to lock in every cover. Free, instant and obligation-free.

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Cover you're missingR296 600 Close it →