From 01 October 2020, vehicle owners will receive their Motor Vehicle Licence Renewal notifications (MVL2) via SMS or email. The Road Traffic Management Corporation (RTMC) will no longer issue notices through the post.
Should a motor vehicle owner not receive their electronic MVL2 notice, it can be downloaded from the NaTIS website at online.natis.gov.za or by using the RTMC Android Mobile Application.
Vehicle owners should ensure that their mobile numbers and email addresses are up-to-date on the NaTIS system by visiting their nearest traffic office, registering on the NaTIS website (online.natis.gov.za) or by using the Android Mobile Application (RTMC).
Collecting your vehicle licence
In order to renew your vehicles licence disc, vehicle owners are required to present:
- The MVL2 sms or email notification to the cashier at the Traffic Office,
- their Identity Document (ID).
Should a vehicle owner send someone else to renew a vehicle licence on their behalf, provide;
- a signed letter of permission stating full names and ID numbers of both the vehicle owner and the person who collects the licence
- a certified copy of the vehicle owner’s ID and
- The representative’s ID.
License disks can ONLY be renewed at the following Langeberg Municipal Traffic Offices:
| Ashton Traffic Office | Abattoir Road, Ashton | Monday-Thursday:08:00 – 15:30Friday:08:00 – 14:00 | 023 615 8901 |
| Robertson Traffic Office | Church Street, Robertson | Monday-Thursday:08:00 – 15:30Friday:08:00 – 14:00 | 023 626 8251 |
| Montagu Municipal Office | 03 Piet Retief Street, Montagu | Monday08:00 – 15:30Friday:08:00 – 15:30AS OF 02/11/2020 | 023 614 8000 |
How to download a vehicle licence renewal notice online:
- Motor vehicle owners can access and download their motor vehicle renewal notices at www.online.natis.gov.za
- Once on the website click on “My Profile” and register your profile as follows:
- Click on ‘individual’
- Enter your ID number
- Enter you surname and initials (enter the details as on your Driving Licence Card)
- Enter you Driving Licence card number
- Enter your email address AND your cell number
- Once all the information has been submitted you will be required to enter the One Time Pin (OTP) in order for profile registration to be completed
- Once your profile has been successfully registered, click on “View Motor Vehicle Renewals’
- Click on individual if you a natural person
- Then enter your ID number, surname and initials
- Then proceed to the next page and enter the OTP as required.
- Please note:
- One the OTP is entered the motor vehicle/s which are up for renewal will be displayed. Should the motor vehicle licence have expired already then no information will be displayed.
- Click download and print the notice.
- The electronic notice with the unique reference number can now be presented to renew the motor vehicle licence.
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.