TL;DR – Our version of “I’m not reading all that, *SparkNotes pls.”
- Service plans cover scheduled maintenance (oil changes, filter replacements, etc.). Regular servicing extends your car’s lifespan, improves safety, and saves money.
- Car service costs vary by vehicle type, ranging from R1,010 to R3,900 per service, averaging both minor and major maintenance. Hidden costs can include wear and tear, tyres, wheel alignment, and accidental damage.
- Motor plans are more comprehensive, covering wear-and-tear items like brakes and clutches.
- Car warranties cover manufacturer defects and faulty parts for a specified period or a set number of miles. They protect against expensive repairs but typically do not cover wear and tear or routine maintenance.
- Common car maintenance mistakes include using cheap parts, skipping services, and ignoring warning signs.
- Insurance + maintenance = full protection. Pineapple offers roadside assistance & cash-back rewards.
Owning a car in South Africa comes with a lot of responsibility.
Between worrying about fuel costs, stressing over hijackings and manoeuvring pothole-riddled roads, you’d be forgiven for forgetting to add maintenance to your list of car concerns.
But staying on top of your car’s upkeep can ensure your safety, extend your vehicle’s lifespan, and save you thousands of Rands.
Pineapple has unique insights to help you master car maintenance in Mzansi! We’ll explain the difference between a service plan, a motor plan and a warranty, explore the average servicing costs, and offer expert advice on how to keep your car running smoothly.
Keen on keeping your car protected? Get a quote with Pineapple for affordable, comprehensive car insurance!
Understanding Car Service Plans, Motor Plans and Warranties in South Africa
Keeping your car in mint condition doesn’t have to be as intimidating or strenuous as you might think. The best place to start is by identifying the key players in the car maintenance game: service plans, motor plans and warranties.
Service Plans
Service plans ensure your car operates smoothly daily. These plans typically cover the cost of scheduled services, labour costs, and the replacement of essential parts. Servicing your vehicle according to the manufacturer’s recommendations helps keep it in top condition. The result? Avoiding unexpected breakdowns that could cost an arm and a leg to recover from.
Car servicing can be split into two groups: minor service and major service.
Minor car services include:
- Engine oil and filter replacement
- Brake pad inspection
- Tyre pressure inspection
Major car services include:
- Wheel alignment
- Checking brake and clutch fluid
- Fluid top-ups (coolant, gearbox, clutch, transmission, axle oils)
As a general rule of thumb, minor car services are carried out every 10,000 to 15,000 kilometres. Major car services typically happen every 30,000 to 45,000 kilometres—or every twelve months, whichever comes first. However, it’s recommended that you consult your car’s manual to confirm your vehicle’s specific servicing requirements.
Motor Plans
In essence, a motor plan is a more comprehensive service plan. It covers the scheduled servicing of your car, wear and tear, and basically everything aside from the vehicle’s running costs, like fuel and oil.
A motor plan may extend its coverage to include wear-and-tear components, such as brakes, clutches, shock absorbers, and wheel bearings. Unless specified, it does not typically cover major components like the engine or gearbox, as those are usually addressed under defects warranties.
So, it’s essential to note that motor plans generally exclude damage caused by accidents and misuse. And, unlike a warranty, it does not cover manufacturer’s defects. Speaking of which…
Vehicle Warranties
A car warranty is specifically designed to give drivers peace of mind. It’s a manufacturer’s promise to repair or replace any defective components or workmanship that falls below standards within a specified time period. A warranty is generally included when buying a new car and lasts for a specific period or a certain number of kilometres driven.
Having a vehicle warranty means avoiding a hefty bill from the mechanic if your car experiences problems within the warranty period.
So, if you’re hoping to avoid selling a kidney on the black market so you can afford to repair your ride, we’d suggest ensuring your car’s warranty is active… that’s assuming you have one to begin with.
If you’re wondering, “How do service plans and warranties differ, and what do they typically cover?” This next section is for you.
Key Differences between Car Service Plans, Motor Plans and Vehicle Warranties
| Feature | Service Plan | Motor Plan | Warranty |
| Purpose | Covers scheduled maintenance | Covers scheduled maintenance + wear and tear items | Protects against manufacturer defects |
| Coverage | Oil changes, filter replacements, fluid top-ups, spark plugs (at intervals), labour | All items in the service plan + brake pads/discs, clutch, shock absorbers, wheel bearings, etc. | Engine, gearbox, transmission, electrical systems, etc. |
| Exclusions | Wear and tear items (brakes, clutch, tyres), damage from accidents or misuse | Damage from accidents or misuse, items covered under warranty | Wear and tear, damage from accidents or misuse, routine maintenance |
| Duration | Varies by plan; typically tied to service intervals (e.g., 10,000–15,000 km for minor, 30,000–45,000 km for major) | Typically lasts five years or 100,000 km, whichever comes first | Varies by component and manufacturer (e.g., 3 years/100,000km for the engine) |
| Benefits | Maintains vehicle health, prevents breakdowns, and can save money on scheduled maintenance | More comprehensive coverage, greater peace of mind, and can save on expensive wear and tear repairs | Protects against costly repairs due to defects, adds value to the vehicle |
| Primarily designed for | New or ‘newer’ cars, drivers with moderate mileage, budget-conscious owners | Older cars, high-mileage drivers, those seeking comprehensive coverage | New car owners, those wanting protection against unexpected major repairs |
Pros and Cons of Buying a Car with a Service Plan vs. Purchasing One Separately:
Buying a car with a service plan:
- Pro: Having a service plan included in the cost of your car’s financing can make budgeting easier.
- Con: This may increase the overall cost of car ownership, and it may not be transferable if you sell the car.
Buying a service plan separately:
- Pro: This provides flexibility, allowing you to tailor the plan to your needs.
- Con: Not knowing which service plan to choose can lead to pitfalls, so research is required.
Average Car Service Costs in South Africa
How much does a car service cost in South Africa? Service costs differ based on whether you’re dealing with minor or major maintenance.
Minor services on a vehicle can be defined as a regular check-up for your car. It typically includes oil and filter changes, as well as a basic inspection of other key components like tyre pressure, brakes, belts, and hoses, and all lights.
Major servicing would include thorough inspections of the vehicle’s system and potential replacement of worn parts, such as spark plugs, air filters, and fluid top-ups. Because major services are more comprehensive, they typically cost more than minor services.
| Car Category | Minor Service Price | Major Service Price |
| Entry-level car (VW Polo Vivo, Toyota Yaris, Hyundai i10) | R1,010 | R2,200 |
| Mid-level car (VW Polo, Toyota Corolla, Nissan Almera, Hyundai i30) | R1,200 | R2,400 |
| Executive-level car (BMW 3 Series, Mercedes-Benz C-class, VW CC, Audi A4) | R1,550 | R3,100 |
| Exclusive level car (Porsche, Jaguar, Mercedes-Benz S-Class, BMW 7 Series) | R1,800 | R3,900 |
According to an article by Michanic, a car repair and maintenance service centre, the average car service cost depends on the vehicle you drive. The prices above are illustrative examples, including parts and labour costs, but actual costs may vary based on location, provider, and specific vehicle needs.
Plus, the type of car you drive will likely influence the cost of your service plan.
Similarly, factors such as the extent of coverage your service provides, the dealership or service provider you choose for your car care concerns, and your location can also influence the cost of your car’s service.
For example, Ford offers the “Ford Protect Service Plan (30 Days) Ecosport, Puma” at prices ranging from R7,717.65 (3-Year Plan, 3 additional service visits, and a distance of 45,000km) to R36,628.65 (8-Year Plan, 9 additional service visits, and a distance of 135,000km).
Therefore, being aware of these factors allows you to make an informed decision when choosing a service plan. Speaking of which…
Managing maintenance costs? See how our insurance complements your plan. Get a 90-second quote.
Common Car Maintenance Mistakes South Africans Make (And How to Avoid Them)
Whether you are a seasoned driver or a rookie road user, making mistakes when it comes to your car’s maintenance happens to the best of us.
That said, here are the common car maintenance mistakes South African drivers make and how to avoid them:
- Using cheap or non-genuine car parts may seem like a cost-effective way to maintain your car; however, it can backfire harder than a vintage vehicle. Non-genuine parts may compromise the car’s integrity, making it unreliable and causing further damage, which, of course, means more repair fees for you!
Solution: Investing in quality parts might cost more upfront, but they’re likely to last longer and perform better, thereby saving you money. - Neglecting your servicing schedule, either because you’re too lazy or can’t afford it at the time, can have major repercussions (big word, we know; it’s just a fancy way of saying “consequences”).
Solution: Stick to your car’s recommended service schedule and budget accordingly! This will enable you to identify, address, and plan financially for minor issues before they escalate into major problems. - Ignoring early warning signs, like how you ignored a toxic ex’s red flags, can have the same result: you, heartbroken and frustrated, wishing you could go back in time to change things.
Solution: Be attentive to your car’s needs. Pay attention to unusual sounds, the warning lights on your dashboard and any unexplained leaks. Addressing these early on can prevent more serious and expensive damage later. - Taking your car to non-registered or uncertified mechanics can do more damage than good. Although their services might be cheaper, these service providers might lack the necessary qualifications, experience, and tools to service your car properly.
Solution: Go to a reputable, registered, and reliable professional to avoid violating your car’s warranty and voiding your car insurance. If your mechanic is not recognised by industry bodies like the Retail Motor Industry Organisation (RMI), you might want to think twice. - Skipping the quick check-ups at the petrol station could cost you, and we’re not just referring to money. Failing to ask the petrol attendants to peek under your bonnet at the filling station puts you in danger of breakdowns that are costly and avoidable.
Solution: Make a habit of asking for assistance in checking your tyre pressure, oil, and other fuel levels whenever you top up your petrol or diesel at the garage. These quick and simple checks can help you avoid big bills to your mechanic later on. - Ignoring the seasonal effects on your car can have disastrous effects. South Africa’s hot summers can push your cooling system to its limit, causing low coolant levels and an overheated engine. Winter’s icy chill can cause tyre pressure to drop, which can negatively affect handling and fuel efficiency.
Solution: While you may have the best intentions for your vehicle, the above mistakes can happen to anyone, even you, reading this article right now.
Thankfully, being proactive and following the given solutions can help you avoid becoming another statistic of drivers getting dribbled by a lack of car care knowledge.
Hidden Car Maintenance Costs South African Drivers Should Prepare For
Even with a proper maintenance routine, it’s not always possible to accurately calculate the costs of car care. There’s always that one sneaky car expense just waiting to jumpscare your budget into cardiac arrest.
Pineapple’s Lead IT & Business Platform Specialist and resident car enthusiast, Tashic Nataal, said,
“So often, people assume that ‘keeping up with maintenance’ means doing your yearly service, but there are items that need to be reconditioned as the car ages. Wipers and light bulbs are examples of this. Another great rule of thumb is that you’ll need to replace your [car] shocks, usually between 80,000km and 100,000km*.”
*depending on driving conditions, car model, and driving style.
Other examples of hidden car maintenance that can catch you by surprise?
Suspension components, particularly rubber bushings, ball joints, and other such components.
Tashic went on to add, “There are also other maintenance items not considered part of your service, like brakes and tyres. Obviously, these are larger ticket items and are usually the first to come to mind. But one must also remember even smaller things wear out as they are used and could largely impact safety.”
So, pay special attention to the clauses in your service plan to avoid unexpected fees. Or, at the very least, be aware of the extent of the plan’s protection.
Other tips to help you budget for unexpected car maintenance expenses include:
- Budgeting for unexpected expenses (duh).
- Learn basic DIY car care so you can avoid having to service the car for every minor issue, such as changing your windshield wipers.
- Research common issues associated with your car’s make and model with rough cost estimates.
- Get quotes from different car service providers to ensure you’re getting the best possible deal.
Lastly, consider additional coverage, such as rim and tyre insurance, which may seem counterproductive but can help cover the cost and provide added peace of mind.
How to Choose the Best Service Plan or Warranty for Your Car
Often, your car comes with a motor or service plan included, which can be extended for an additional fee. You can also buy these from external providers. Some insurance providers even offer them as separate products!
When buying a car, ask about the motor and service plan and determine if one is included. If not, ask for one and assess the monthly cost.
If your ride is without a service, motor plan, or warranty, you may need to purchase one.
The decision to choose the best cover will start with you assessing your driving habits, such as how often and for how long you drive, which will likely influence your maintenance needs.
Next, you’ll need to research different service providers and their offerings, specifically comparing their coverage, prices, reputations, and customer service reviews. Pay close attention to any exclusions, limitations or waiting periods that may be outlined in the fine print.
Once you’ve found the best coverage option for your car, don’t be dazzled by the price alone. Sure, a cheaper option might be tempting, but a more comprehensive coverage plan means better long-term value and little to no costly repairs down the line.
How Insurance and Maintenance Work Together to Protect Your Car
As an insurance provider, you had to have known that we’d find a way to make this article about car insurance.
In addition to the protection a service plan or warranty can offer, car insurance can also help keep your car and wallet safe.
Comprehensive car insurance and vehicle maintenance can work together to ensure complete protection for your vehicle. Insurance provides financial protection against unforeseen events, such as collisions, natural disasters, accidental damage, and theft.
A car insurance policy can also provide additional benefits, such as 24-hour emergency roadside assistance. This means on-the-spot assistance, reducing the risk of being stranded in potentially dangerous conditions. It also eliminates the need to rely on strangers or potentially unreliable roadside assistance services.
Plus, windscreen and window repairs, which typically don’t form part of service or warranty plans, can be covered under the right insurance policy—like Pineapple’s comprehensive car insurance cover.
P.S. Pineapple’s policies won’t break the bank. From as little as R689 per month*, you can enjoy the following benefits:
- Emergency accommodation if your car is lost or damaged more than 100km from your home. Pineapple will reimburse you for necessary accommodation expenses.
- Towing to the nearest and most reputable service provider.
- No-fuel assistance to help you get back on the road faster than getting an online quote with Pineapple.
We’ll even give you a cash-back refund of up to 30% should you drive 300km or less in a month. If I were you, I’d consider getting a quote right now.
Oh, look, a call to action. Click here to get Pineapple’s fast, affordable and effortless car cover now.
Car Maintenance Most Asked Questions:
- What is the difference between a service plan and a maintenance plan?
A service plan covers elements that are worn through normal wear and tear or regular use. It typically follows the manufacturer’s service schedule, which can include routine maintenance tasks such as oil changes, filter replacements, and inspections. A maintenance plan can cover both routine maintenance and more significant repairs and replacements. Maintenance plans typically cover a broader range of services and repairs, including brake pads, clutches and electrical components. - How much does a full car service cost in South Africa?
A full car service in South Africa can cost between R1,500 for entry-level cars and R15,000 or more for luxury vehicles. Your car’s service cost will depend on several factors: the type of service required, your vehicle, its age and mileage, and where you go for a full car service. - How often should a car be serviced in South Africa?
For minor services, the general rule is to service your car every 10,000 to 15,000 kilometres, or once a year, whichever comes first. Major services should ideally take place every two years or 40,000 kilometres. But, consult your car’s owner’s manual for its specific and recommended service schedule. - Is car maintenance included in insurance?
Car insurance does not include maintenance as part of its policy and terms of coverage. Standard car insurance covers unforeseen perils like accidents, theft and fire. Maintenance is typically a separate service or maintenance plan that covers routine servicing, scheduled maintenance, labour costs, and wear-and-tear (depending on the plan). - Can I claim car repairs through my insurance?
You can claim car repairs through your insurance, but this depends on your policy, the coverage level and the repairs in question. A third-party only policy will not cover repairs to your car, but a comprehensive cover might. If the damages are a result of an accident, theft, fire or other covered event, you may claim. But insurance does not cover wear and tear or mechanical breakdowns.
Conclusion
With the right tools, a bit of patience and a lot of knowledge, anyone can master the mystery of car maintenance. Although, after this in-depth-ish article, we’re hoping car service and warranty plans are no longer a mystery.
Having a keen understanding of service plans and warranties means you can keep your car running smoothly for years to come.
However, nothing beats preventative maintenance; don’t wait for problems to arise.
Be proactive and follow these helpful tips to choose the right coverage and ensure your car’s well-being. Your vehicle and wallet will thank you for it.
Complete your car’s protection now. Get a quick car insurance quote and drive without worry.
Want to learn more?
Read more guides on Pineapple.co.za:
- The Ultimate Guide to Car Insurance for Teen Drivers in South Africa
- A Comprehensive Guide to Safeguarding Against Hijackings in South Africa
- Comprehensive Vs Third-Party Car Insurance: A Clear Guide To Understanding Your Options
- A Beginner’s Guide To Car Financing
Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.
Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply.
