MPUMALANGA MOTOR VEHICLE LICENCE FEES

MPUMALANGA MOTOR VEHICLE LICENCE FEES
 
TARETYPE OF VEHICLE
ExceedingNot ExceedingRigid Vehicles*Trailers and Semi-trailers
   
0 kg250 kgR232,00As for rigid
250 kg500 kgR283,00
500 kg750 kgR308,00
750 kg1 000 kgR349,00
1 000 kg1 250 kgR425,00
1 250 kg1 500 kgR535,00
1 500 kg1 750 kgR650,00
1 750 kg2 000 kgR744,00
2 000 kg2 250 kgR928,00
2 250 kg2 500 kgR1 110,00
2 500 kg2 750 kgR1 248,00
2 750 kg3 000 kgR1 382,00
3 000 kg3 250 kgR1 710,00
3 250 kg3 500 kgR1 970,00
3 500 kg3 750 kgR2 248,00
3 750 kg4 000 kgR2 475,00
4 000 kg4 250 kgR2 712,00
4 250 kg4 500 kgR2 958,00
4 500 kg4 750 kgR3 200,00
4 750 kg5 000 kgR3 435,00
5 000 kg5 250 kgR4 885,00
5 250 kg5 500 kgR5 430,00
5 500 kg5 750 kgR5 888,00
5 750 kg6 000 kgR6 378,00
6 000 kg6 250 kgR6 904,00
6 250 kg6 500 kgR7 421,00
6 500 kg6 750 kgR8 041,00
6 750 kg7 000 kgR8 670,00
7 000 kg7 250 kgR9 128,00
7 250 kg7 500 kgR9 670,00
7 500 kg8 000 kgR10 576,00
8 000 kg8 500 kgR11 916,00
8 500 kg9 000 kgR13 234,00
9 000 kg9 500 kgR14 559,00
9 500 kg10 000 kgR15 882,00
10 000 kg10 500 kgR17 881,00
10 500 kg11 000 kgR19 568,00
11 000 kg11 500 kgR21 196,00
11 500 kg12 000 kgR23 174,00
Above 12 000 kg (for each additional 500 kg, or part thereof):+ R1 940,00
* The rate for rigid vehicles applies to all truck-tractors whether used for farming or not.
OTHER VEHICLE TYPES (irrespective of tare)
    
Motor CyclesCaravansTractors on public road 
R113,00R225,00See above 
 
 
Motor vehicle registration fee: R113,00                   Application for motor trade plate : 126,00

Tax and Insurance in South Africa 2025

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.