Updated September 29, 2026 · AssureCue Editorial Team
10Life vs dotsure.co.za
10Life
dotsure.co.za
Higher score in this comparison
Where 10Life and dotsure.co.za differ
| Compare | 10LifeReviewSee alternativesSee alternatives | dotsure.co.zaReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Pet, Auto, Home, Motorcycle, Life |
| Provider type | Comparison site | Insurer |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Online Manage Portal, Phone, Email |
| Premium from | Not confirmed | ZAR 99 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | ZAR 2,000 |
| Age range | Not confirmed | Drivers 20 to 80 years old |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- dotsure.co.za scores higher overall: 9.3 vs 8.7.
- Insurance types: only 10Life offers Travel, Health, Critical illness.
- Insurance types: only dotsure.co.za offers Pet, Auto, Motorcycle.
- Claims channels: only 10Life offers Independent claims team, Whatsapp.
- Claims channels: only dotsure.co.za offers Online Manage Portal.
- Support channels: only 10Life offers Chat.
Our verdict on each
10Life
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
dotsure.co.za
Dotsure is a South African insurer that writes pet, car, home, motorcycle and life cover, paid monthly, with car policies open to drivers in the Drivers 20 to 80 years old band. It suits households wanting a single insurer across several lines, and veterinary practices needing professional and public liability.
Score breakdown
| Area | 10Life | dotsure.co.za |
|---|---|---|
| Cost | Not confirmed | 9.0Pet cover starts at ZAR 99; the site's median starting premium is €8.37, and pet excess begins at ZAR 2,000. |
| Offer | 9.6Higher | 9.2 |
| Trust | 8.2 | 9.6Higher |
How they place
| Ranking | 10Life | dotsure.co.za |
|---|---|---|
| Home insurance | 223 of 273 | 72 of 273 |
| Life insurance | 217 of 263 | 72 of 263 |
Every fact side by side
| Fact | 10Life | dotsure.co.za |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | Dotsure Limited (Registration number 2006/000723/06) |
| Headquarters | Hong Kong | South Africa |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Business insurance
| Fact | 10Life | dotsure.co.za |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity, Public liability |
| Industries | Not confirmed | Veterinary practices |
Where each stands against the rest
| Fact | 10Life | dotsure.co.za | Median |
|---|---|---|---|
| Premium from | Not confirmed | ZAR 99below the median | ZAR 115 |
Median across 7 listed insurance providers.
Pros and cons
10Life
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
dotsure.co.za
Pros
- A single insurer writes pet, auto and home cover, so every policy sits in the same relationship.
- Monthly payments are available, and the payment model is listed as monthly.
- Claims run on online Manage Portal, phone and email.
Cons
- An excess of ZAR 2,000 sits in front of a pet claim, so small bills may not be worth claiming.
- Support runs on phone, email and help centre only.
- Business cover is written for Veterinary practices and limited to professional indemnity and public liability.
Who each suits
10Life
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
dotsure.co.za
Who it suits
- South African households already holding pet, car, home, motorcycle or life policies.
- Owners who prefer spreading the cost monthly, since the payment model is monthly.
- Veterinary practices looking for professional indemnity and public liability.
Who should look elsewhere
- Readers who want a lower starting premium: bunq lists a starting premium of €0, against ZAR 99 for Dotsure pet cover.
- Anyone wanting health, renters and travel in the same basket: Good Sam Insurance Agency lists auto, home and renters.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
dotsure.co.za
Current offer
Discount code
15% multi-pet discount on pet insurance premium: 15% off premium
Insure more than one pet on the same policy
Source, checked September 26, 2026
Discount code
20% lifetime discount when buying car insurance online: 20% off premium
Car insurance purchased online
Source, checked September 26, 2026
Country by country
| Country | 10Life | dotsure.co.za |
|---|---|---|
| Hong Kong | Yes | No |
| South Africa | No | Yes |
Questions about each
10Life
Is 10Life an insurer or a broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
dotsure.co.za
How much does pet cover cost?+
Pet cover starts at ZAR 99, and monthly payments are available, so the premium is spread over the year instead of a yearly bill. Across the brands on the site the median starting premium is €8.37, so this figure sits well above the middle of the market.
What is the excess on a pet policy?+
The pet excess starts at ZAR 2,000, the part of a vet bill you cover before the policy pays. Raising it lowers the monthly premium, so the sensible figure depends on how often you expect to claim and what you can put aside.
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10Life
dotsure.co.za