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‘Pay per k’… Cool hey

With chilli car insurance, low monthly mileage = low, low premium

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In a nutshell

Not everyone drives the same distance every month, so why should everyone pay the same for their car insurance every month? With chilli, your monthly premium depends on your monthly mileage, as well as your individual risk profile. Essentially, you ‘pay per k’.

In fact, if your car’s valued under R500,000 and you drive less than 100km a month, you could pay as little as R299 monthly for chilli! Cool hey?

What you’ll pay

Your first monthly premium will be based on the mileage you drive in an average month. (Because we know you’re honest, and we’re nice like that.) The value of your car also plays a part. Going forward, your monthly premium will change depending on your previous month’s actual mileage, the excess you choose, and your individual risk profile. Please refer to your policy schedule to see how these factors affect your premium breakdown.

Keeping track of your mileage

It’s super important that we know your monthly mileage, and it’s super simple to let us know. You can:

  • Install an approved tracking system, which will automatically send your mileage to us.
  • Download our app and update your monthly mileage yourself, for free.

And the really cool thing about chilli is that you don’t have to remember to switch your cover on when you want to drive somewhere… You’re always insured.

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Fun fact alert

We also offer chilli insurance for collectable cars! To give your classic or high-value beaut the cover it deserves, click here:

Frequently asked questions about Chilli

Your chilli pay-per-k cover is already our cheapest possible price and your monthly premium depends on how far you drive. So, it could decrease if you start driving less but it could also increase if you start driving more. It won’t decrease as your car loses value.

No, because your premium is already as low as we could possibly make it. The chilli ‘drive less pay less’ model offers you the cheapest car insurance we can come up with.

King Price R1 insurance is only available with our normal comprehensive car insurance. So unfortunately, you can’t cover R1 items if you have chilli car cover. But, because you’re paying our cheapest possible price for your car insurance, go ahead and let us quote on your portable possessions!

Chilli is comprehensive car cover, just way cheaper because the less you drive, the less you pay. To ensure that we debit the correct monthly premium, we need your monthly mileage updates. You can:

  • Install an approved tracking system, which will automatically send us your monthly mileage.
  • Download our app and send us your monthly mileage updates yourself. Click here to download our app and see how to send your updates.

Definitely! But, until we can match your premium to your monthly mileage, we’ll debit you a fixed premium, which is stated on your policy schedule. We’ll be in touch via email and SMS to let you know if this happens.

If you consistently drive more than the monthly mileage indicated on your policy schedule, we’ll pop you an email and an SMS. Because chilli is a ‘pay per k’ product, we have to align your premium with your mileage.

If you’re not going to be driving your car for a couple of weeks, please call client care and let us know? This is so that we can debit your lowest premium, rather than the fixed amount that’s stated on your policy schedule and that’s applicable to months when we don’t receive your monthly mileage update.

Reasons for not driving could include a stay in hospital, a trip out of the country, or your car going in for repairs. If we find out that the car is being driven during this time, we’ll charge the premium that applies to the monthly mileage.

Chilli is great cover for people who don’t drive much. So, if you mostly work from home, live close to where you work or study, or just don’t drive a lot, then chilli is a great option for you.

Yes, with pleasure. Please contact client care by calling 0860 50 50 50 or pop an email to [email protected].
If you’re insured through a broker, please ask them to email [email protected].

Your monthly premium will change depending on your previous month’s actual mileage, the value of your car, the excess you choose, and your individual risk profile.

You must please send us your monthly mileage update in the 3 days before your debit order date. We’ll send you SMS reminders when it’s time for an update. The app will tell you if you’re trying to send your update too early.

We’ll use the average mileage you provided during the sales process to determine your first monthly premium. Your second monthly premium will be based on your actual monthly mileage update (which the tracking device will automatically send us), as well as the value of your car, the excess you choose, and your individual risk profile.

We’ll get in touch with you via SMS and ask you to send a monthly mileage update via our app. Click here to download our app and see how to send your updates.

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