You know that painful moment when your insurer says “sure, we’ll fix your car, but you need to pay the first R5,000”? Excess waiver takes care of that bill so you don’t have to.
It’s basically insurance for your insurance excess. Whether it’s a fender bender, hail damage, or someone backing into your car, you can claim without stressing about finding thousands of rands upfront. At Offa, we connect you with providers who understand that accidents are expensive enough without adding excess fees on top.
Your car insurance fixes your car, but you still have to pay that excess - often R3,000 to R10,000 upfront. Many people can't afford the excess, so they end up not claiming and paying for repairs themselves. Excess waiver removes that financial barrier completely.
Most policies cover excess amounts up to R15,000 or R20,000 per claim, with annual limits of R30,000 to R50,000. Check your specific policy for exact limits.
Yes, but within your annual limits. If you have two small accidents in a year, both excess payments can be covered as long as you stay within your policy's annual maximum.
Some providers pay the excess directly to your insurer, while others reimburse you after you've paid. Check with your provider about their payment process to avoid surprises.
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