Vehicle Licence Disc Renewals
Register online to renew your vehicle licence disc and pay in-store
Pick n Pay’s Vehicle Licence Disc Renewal Service is a hassle-free way of renewing your vehicle licence disc. Register online and enjoy these benefits:
- Skip the queues at traffic departments and post offices, pay in-store at a Pick n Pay till point
- Payments can be done at Pick n Pay Supermarkets and Hypermarkets
- Avoid pesky penalty fees, to get your South African vehicle licence renewal paid on time with renewal notifications to remind you before your current disc expires
- Renewals can be done for all areas in South Africa
- Pay any outstanding fines that could be blocking your disc renewal in the same payment
- Receive your vehicle licence disc via courier within 10 business days*
How it Works
*Service fees are applicable. Services and rates only apply to privately owned vehicles (no fleets). Disc delivery timelines may vary depending on your location. 10 business days are only applicable to vehicle licence discs that have not expired. Ts&Cs apply.
How to set up a profile?
Once on the Pick n Pay Vehicle Licence Disc Online Renewal Portal, provide your details and set up your password to complete your profile. Once your profile has been set up, you can add the details of your vehicle(s) to the Vehicles section on the portal. You’ll also receive renewal notifications before your disc expires via your chosen communication preference that you’ve selected on the portal.
Capture a renewal
When you are ready to renew your vehicle licence disc, capture your renewal in the My Renewals section on the Portal. Make sure you have uploaded the required documentation below and captured the physical address you would like the disc to be delivered to, before setting up your payment.
Documentation to be uploaded onto the portal:
- a clear image of ID document or card
- a copy of your existing vehicle licence disc
- proof of residence (no older than 3 months)
You will need to wait for the renewal cost to be updated on the portal before setting up a payment.. Your renewal cost will be updated as follows:
- If your disc expires in the next/following month: The renewal cost is populated on the Portal within 1 – 3 business days after the 21st of the current month. E.g. If your disc expires in April 2022, the renewal cost will be populated 1-3 business days after 21 March 2022.
- If your disc has already expired: The renewal cost can take up to 7 business days to confirm in order to check for any penalties etc.
- If your disc is not up for renewal yet: The cost is only populated 3 days after the 21st of the month before the disc expires.
You will receive an SMS or email notifying you that your renewal cost has been updated and you can view the cost in the My Renewals section on the portal.
Payment of vehicle licence renewals
Once the renewal cost has been updated, you can then select Renew this Licence to set up a payment for your vehicle licence renewal and select to make payment in a Pick n Pay store. Note: You will not be able to set up a payment on the portal or make payment in-store until the renewal cost has updated on the portal. Your vehicle licence disc renewal payment will include the following, which is automatically added to your payment amount:
- The amount for the licence renewal
- A licence disc renewal admin fee of R250 (including VAT)
- A delivery fee of R99.99 (including VAT)
If there are any outstanding fines that are blocking your renewal, you will have the option to select these fines in the Fines section on the portal to include in your payment. If you do not settle these fines, your disc cannot be renewed. The payment amount provided on the portal will be linked to your mobile number, which you can provide as a reference when making payment in-store.
Delivery of vehicle licence discs
Your vehicle licence disc will be couriered to your chosen address within 10 business days after your payment and required documentation have been received. The delivery fee will be included in the total payment amount for the disc renewal.
Customer Support:
For Customer Support during business hours email: pnp_customer_support@claimexpert.co.za
You can also log your queries on the portal by clicking on the support icon to receive assistance quickly.
Tax and Insurance in South Africa: What You Need to Know in 2025
In South Africa, understanding the relationship between tax and insurance is essential for protecting your financial future and making the most of available tax benefits. Whether you're an individual, a freelancer, or a business owner, the smart use of insurance can help you reduce your tax liability and safeguard your assets.
Why Insurance Matters for Tax in South Africa
Insurance is more than just a safety net—it can also have a direct impact on your tax situation. From medical insurance to business insurance, certain premiums and policies may qualify for deductions or influence how you declare your income and expenses to SARS (the South African Revenue Service).
- Tax Deductions: Certain insurance premiums, especially related to medical schemes and business cover, may offer tax advantages.
- Asset Protection: Insurance helps manage risk, ensuring you’re financially secure when unexpected events occur.
- Estate Planning: Life insurance can play a key role in reducing estate duty and ensuring a smooth transfer of wealth.
Types of Insurance and Their Tax Implications
1. Medical Insurance (Medical Schemes)
If you're contributing to a registered medical aid, you're entitled to a Medical Scheme Fees Tax Credit (MTC). This credit is a fixed amount per month for you and your dependents and reduces your overall tax liability.
2. Life Insurance
While life insurance pay-outs (on death) are generally not subject to income tax, they can be considered when calculating estate duty. Policies structured under a trust or with specific beneficiaries may help reduce the overall tax burden on your estate.
3. Short-Term Insurance (Vehicle, Home, Contents)
Personal short-term insurance is not tax-deductible for individuals. However, if you use part of your home or vehicle for business, the portion of insurance premiums related to business use may be claimed as a business expense.
4. Business Insurance
For companies and self-employed individuals, business insurance premiums—such as professional indemnity, commercial property cover, or key person insurance—are usually tax-deductible as operating expenses.
5. Disability and Income Protection Insurance
The tax treatment of disability insurance changed in recent years. Payouts from income protection insurance are now generally taxed as income, but premiums are not tax-deductible. Understanding this shift is important when planning your cover.
Tax Tips to Maximise Your Insurance Benefits
- Keep Detailed Records: Always keep documentation of insurance premiums, especially those linked to business or medical expenses.
- Consult a Tax Practitioner: SARS regulations around insurance and tax can be complex. A registered tax advisor can help ensure you claim all available deductions correctly.
- Review Policies Annually: Update your insurance portfolio regularly to ensure your cover aligns with your income, expenses, and current tax laws.
- Use Structuring Wisely: For high-net-worth individuals, structuring life insurance policies within a trust can reduce estate duty exposure.
Frequently Asked Questions: Tax and Insurance in South Africa
Q: Can I deduct life insurance premiums from my South African taxes?
A: No, life insurance premiums are generally not deductible. However, they may play a key role in estate planning.
Q: Are medical aid contributions tax-deductible?
A: Not exactly. Instead, you receive a Medical Tax Credit—a fixed monthly rebate that reduces your tax payable.
Q: Can I claim car insurance as a tax deduction?
A: Only if the vehicle is used for business purposes. You can claim the business-use portion of your vehicle insurance.
Q: Is business insurance tax-deductible in South Africa?
A: Yes. Business insurance premiums related to company operations are generally tax-deductible.
Final Thoughts
In South Africa, insurance isn't just about protection—it's a strategic tool for managing your tax liability, preserving wealth, and supporting long-term financial stability. Whether you’re reviewing your medical insurance, planning your estate, or choosing the right business insurance, it’s essential to understand how these choices affect your tax outcomes.
With the right advice and a well-structured insurance portfolio, you can reduce your tax bill while ensuring comprehensive protection for yourself, your family, or your business.