Car Insurance Companies

Absa

Absa Car Insurance, part of Absa Group Limited, is a trusted name in the South African financial sector, known for its innovation and customer-focused services. Leveraging Absa’s expertise in digital solutions, the car insurance division offers modern, convenient platforms like Activate, a fully digital insurance solution that allows users to manage policies through the Activate App.

Absa’s approach emphasizes simplicity, affordability, and accessibility, reflecting the company’s broader commitment to meeting customer needs efficiently. With a reputation built on reliability and service excellence, Absa Car Insurance continues to be a leader in the evolving insurance landscape.

Auto & General

Founded in 1985, Auto & General is a well-established leader in South Africa’s short-term insurance market. Renowned for its commitment to reliability and service excellence, the company has earned the trust of thousands of clients across the country.

Auto & General’s strong reputation is backed by industry accolades, including being recognized as a Top 4 Insurer in the Ask Afrika Orange Index® and named Best Auto Insurance Brand by Forbes. Known for its customer-centric approach, Auto & General continually evolves, offering innovative solutions and ensuring policyholders receive exceptional service and support when they need it most.

Budget Insurance

Budget Insurance, a division of Telesure Investment Holdings (TIH), has been serving South Africans for over two decades with affordable, reliable insurance solutions. The company is committed to making car insurance accessible, offering straightforward and flexible products that meet the diverse needs of its customers.

Specializing in car insurance, Budget offers a range of tailored policies that cater to various budgets and requirements. Innovative features such as the Payment Holiday, which allows customers to skip a premium once a year, and the Cash Back Bonus after two claim-free years, set Budget apart.

Dial Direct

 
Dial Direct is a prominent player in the South African insurance market, known for its customer-centric approach and innovative solutions. Ranked as a Top 3 Insurer in the Short-Term Insurance Industry by the Ask Afrika Orange Index® Benchmark, Dial Direct has earned a strong reputation for customer satisfaction, emotional connection, and loyalty, as reflected by the feedback from over 48,000 clients.

The company’s car insurance division forms a vital part of its operations, offering tailored solutions for various vehicle types. With a commitment to efficient claims processing and customer convenience, Dial Direct continues to lead the industry with digital innovations, including their user-friendly mobile app.

Discovery Insure

 
Discovery Insure is part of the renowned Discovery Group, a South African financial services company known for its innovative approach to insurance and wellness. Established in 2011, Discovery Insure aims to enhance the driving experience by offering more than just traditional car insurance, with a focus on safety, rewards, and customer engagement. Its pioneering business model is built around Discovery’s broader mission to improve societal health and safety through behavior-based incentives.

A key feature of Discovery Insure’s car insurance division is its integration with Vitality Drive, a unique program that rewards clients for safe driving. This driver behavior program underlines the company’s commitment to using technology and data-driven insights to encourage responsible driving, making it a standout in the South African insurance market.

First for Women

 
First for Women was established in 2004, becoming the first insurance company in South Africa to create insurance products designed specifically for women. As part of Telesure Investment Holdings (TIH), the company is dedicated to offering tailored insurance solutions that address the unique needs of women. Their car insurance division is particularly notable, focusing on the safety and empowerment of female drivers.

In addition to providing quality insurance products, First for Women is committed to social impact, having donated over R90 million to the fight against women abuse through the First for Women Foundation. This dedication to women’s safety extends to their innovative services, such as Guardian Angel on Call.

Hollard Insurance

 
Hollard Insurance, founded in 1980, is South Africa’s largest privately-owned insurance group, known for its broad range of offerings across life, business, and short-term insurance. Their car insurance division, while partnered with Dotsure and Naked, remains a core part of their portfolio, providing customers with innovative and flexible solutions tailored to their needs. Hollard’s commitment to empowering individuals is embodied in their purpose-driven approach and the goal of creating “Better Futures” for clients.

With a pan-African presence spanning nine countries, Hollard is known for its collaborative partnerships and strong broker relationships, ensuring customer-focused solutions in every market.

King Price Insurance

 
King Price Insurance, founded in 2012, is known for its bold approach to insurance with the introduction of monthly decreasing car insurance premiums. This innovative model reflects their commitment to challenging industry norms and offering clients a fairer deal as their vehicle’s value depreciates over time. King Price has quickly become a major player in the local insurance landscape.

The company embraces a fun, dynamic culture while maintaining a serious focus on customer satisfaction. Backed by global reinsurers like Munich Re, King Price is dedicated to providing affordable, transparent, and reliable insurance solutions.

MiWay

 
MiWay is a leading non-life insurance provider in South Africa, known for its innovative approach and strong customer focus. As part of the Santam group, MiWay benefits from solid financial backing and a trusted reputation in the industry. MiWay’s commitment to transparency and client satisfaction is evident in its active engagement with customer feedback.

MiWay’s car insurance division stands out for its affordability, flexibility, and customer convenience. They offer a range of cover options to suit different needs, from comprehensive insurance to third-party cover, all supported by 24-hour roadside assistance and an easy claims process. By leveraging technology, MiWay enables customers to take control of their insurance policies, whether through online platforms or their mobile app, making it a top choice for vehicle insurance in South Africa.

Momentum Insure

 
Momentum Insure, a division of the well-established Momentum Group, is a leading provider of short-term insurance in South Africa. Founded in 1966, Momentum has built a reputation for financial stability, trustworthiness, and innovation. Their holistic approach to insurance ensures customers benefit from both protection and rewards. Momentum’s ethos is centered on helping individuals and businesses achieve their life goals while providing top-notch financial services.

Momentum’s car insurance division is distinctive for its focus on safety, offering clients rewards through the innovative Safety Returns program, where they can earn up to 30% cash back. With seamless online services via the Momentum App, customers can manage claims, track safety features, and access emergency assistance, making Momentum Insure a forward-thinking, customer-centric choice for vehicle insurance.

Naked Insurance

 
Naked Insurance has garnered attention for its unique approach to car insurance, offering a fully digital experience that simplifies the entire process from getting quotes to submitting claims.

Customers can insure their vehicles for retail value, ensuring they are adequately covered for the car’s full worth. Their innovative CoverPause® feature lets users pause their accident cover when not driving, potentially saving up to 50% on premiums. With a streamlined claims process and a flat excess fee, Naked is redefining what it means to offer affordable and hassle-free car insurance in South Africa.

Naked also sets itself apart with its social responsibility model. They take a fixed fee from premiums, and after covering claims, any leftover funds are donated to causes chosen by their clients, reinforcing a customer-first ethos.

Old Mutual

 
Old Mutual, one of South Africa’s oldest financial institutions, was founded in 1845. With over 27,000 employees across 13 countries, the company offers a wide range of financial solutions, including life assurance, investment products, and short-term insurance. Old Mutual is known for its commitment to improving the lives of its customers and contributing positively to communities and the broader society.

Old Mutual’s car insurance division, Motorsure, provides reliable coverage for cars, bakkies, and 4x4s. It emphasizes value for money with affordable premiums and a seamless claims process. Notably, their usage-based insurance allows customers to reduce premiums by driving less.

OUTsurance

 
OUTsurance, established in 1998, is one of South Africa’s most recognizable insurance companies, known for its customer-centric approach and commitment to innovation. With its slogan “You always get something OUT,” the company has built a reputation for going beyond traditional insurance by offering tangible rewards to customers, such as their famous OUTbonus. This initiative has resulted in billions being paid out to claim-free clients over the years.

The company’s success lies in its ability to blend innovative products with excellent customer service. OUTsurance continues to push boundaries in the industry, providing solutions that reflect a deep understanding of its customers’ needs.

Pineapple Insurance

 
Pineapple’s car insurance division stands out for its innovative, tech-driven approach that offers quick and seamless coverage. Customers can get insured in under five minutes using Pineapple’s app, making the process one of the fastest in the industry. What sets Pineapple apart is its flexible offerings, including no fixed contracts and customizable excess options, giving customers greater control over their premiums.

Pineapple also rewards responsible driving through its “Drive Less, Get Blessed” discount, offering up to 30% cashback for those driving under 300 km per month. This unique approach to car insurance highlights their commitment to affordability and user-centric services.

Prime South Africa

 
Prime Meridian Direct, now known as Prime South Africa, has evolved into a specialist in motor insurance. Established in 2009, they initially focused on creating affordable alternatives for South African motorists who could not afford traditional comprehensive insurance. Over the years, they’ve grown to become a leading player in the market, offering a full range of car insurance products from budget-friendly to comprehensive cover.

Prime South Africa emphasizes simplicity and compassion in their service, ensuring that their clients receive tailored, affordable insurance. Their unique offerings, like 24-month fixed premiums and reducing excess, set them apart in the competitive insurance landscape.

Santam

 
Santam, founded in 1918, is a leading general insurer in South Africa, with a rich history of providing diverse insurance solutions to individuals and businesses. With over 106 years of experience, the company boasts a significant market share and operates in South Africa, Namibia, and select emerging markets. Santam’s commitment to innovation and collaboration helps them stay ahead in the dynamic insurance landscape, ensuring they meet the evolving needs of their policyholders.

Their car insurance division exemplifies Santam’s dedication to safeguarding clients’ valuable assets. Santam offers tailored coverage options, providing peace of mind to motorists while focusing on exceptional customer service and support. The division’s unique features, such as 24/7 emergency assistance and SmartPark™ for reduced premiums based on driving habits, highlight their customer-centric approach.