When we think of Halloween, we often think of ghouls, goblins, and ghosts, but sometimes the scariest stories aren’t the ones we tell around the campfire. 

From cover that kicks in too late to rejected claims, it’s easy for insurance to go frighteningly wrong. Here’s a roundup of some sticky situations that’ll give you goosebumps. And some tips for avoiding these insurance horror stories, of course. 

An Admin Nightmare

Jonathan loved working from home – the peace and quiet, his uncapped WiFi, and snacks on tap – until… his geyser burst. 

That morning, an administrative nightmare started to unfold. Phone calls, voicemails, emails, paperwork. The scariest part? When Jono woke up the following day hoping it was all a bad dream, it started all over again. 

If only he had Ctrl. It allows you to effortlessly manage your insurance directly through the app. No paperwork, no phone calls, no insurance mumbo-jumbo. Just good advice and complete peace of mind.

Holiday from Die Hel

What started out as a fun girls trip in Gamkaskloof ended in tears and a string of unpaid bills when Grace’s car broke down. To her shock, roadside assistance was never part of her policy.

After walking for kilometres, the group finally got reception and was able to contact a towing service. Grace and her friends spent the rest of the weekend (and their holiday budget) on accommodation in a spooky little town.

This could’ve been avoided with Ctrl. Not only does it show you what you’re covered for but it gives you the freedom to choose your perfect cover, get roadside assistance, and submit your claims.  

A Spooky Ride

Bandile spent most of his 20s being responsible: working hard, staying in, and saving every cent. And it paid off when he bought his first car, cash. He got in, turned the key, and put on his favourite playlist. A dream… until it wasn’t.

Just as he drove off the showroom floor, a motorcycle sped past. He swerved to the right and into a street light. Oh no! Had he been covered, this would’ve been no biggie. But Bandile told the dealership he’d take care of his own insurance when he got home. Now, he has no wheels and no savings.   

When it comes to immediate cover, Ctrl is your answer. All our quotes, from SA’s most trusted insurers, are real-time. This means your car will be covered immediately when you accept a quote in the app. Even before you leave the dealership.

Avoid a real insurance nightmare this Halloween and all the days after that. Insure your car and home the smart way. Download the Ctrl app or visit the web version of our app right now.