Car insurance in South Africa can be a tricky space to navigate. Some people avoid the big-name providers because they assume the premiums will be too high. Others steer clear of the cheaper options, worried that claims might be a nightmare. So, where does that leave you?
To help you make a confident, informed choice, we’ve put together a list of the 10 best car insurance companies in South Africa based on real user experiences. Each insurer offers something different. Some focus on value, others on service, innovation, or flexibility.
This guide highlights what each one is best known for, so you can find a provider that fits your lifestyle and your budget.
Let’s get straight to it.
Best 10 car insurance in South Africa at a glance
| Insurer | Best For | Estimated Monthly Premiums | Key Strengths |
| Santam | Comprehensive, customizable cover | R1,661 – R2,489 | Strong claims support, extensive add-ons, reliable for high-value vehicles |
| Dialdirect | Fast, online quoting & policy management | R1,100 – R1,900 | SmartDrive discounts, flexible cover, easy-to-use platform |
| Naked | App-based, AI-driven insurance | R700 – R1,600 | Instant cover, pause function, no call centres |
| King Price | Decreasing premiums over time | R600 – R1,700 | Monthly-decreasing premiums, simple quotes, good for budget-conscious drivers |
| MiWay | Flexibility & rewards | R800 – R1,900 | Custom add-ons, cashback bonuses, helpful digital tools |
| Discovery Insure | Integrating insurance with wellness | R900 – R2,100 | VitalityDrive rewards, driver tracking, family benefits |
| OUTsurance | Cashback rewards & customer service | R900 – R2,300 | OUTbonus, 24/7 claims, strong service reputation |
| Budget Insurance | Affordable premiums on a budget | R550 – R1,500 | Low-cost options, decent benefits, quick sign-up |
| Momentum | Bundling with life & health products | R800 – R2,000 | Bundle deals, Multiply rewards, lifestyle integration |
| Oneplan | Entry-level, fixed-benefit cover | R450 – R1,200 | Prepaid claims card, basic cover, easy for new/younger drivers |
1. Santam
Best for Comprehensive, Customizable Cover
Santam is one of the most established insurers in South Africa, with over 100 years in the industry. They’re known for reliability, a wide service network, and offering strong protection, especially if you’re looking for full coverage and long-term peace of mind.
Santam offers fully comprehensive insurance that typically includes:
- Accident damage, theft, hijacking
- Cover for natural disasters like hail and floods
- Third-party liability and fire damage
- Optional extras such as car hire, roadside assistance, trauma counselling, sound system cover, key replacement, and emergency accommodation
They also offer policy bundles for multiple cars and home insurance, which can unlock additional discounts.
Pricing
- Monthly premiums for comprehensive cover typically range from R1,661 to R2,489
- Excess is frequently around R5,000 per claim
- You can reduce premiums with options like SmartPark™ (up to 20% discount for driving under 15,000 km/year) or by bundling multiple policies
Pros and cons
| Pros | Cons |
| ✓ Reliable and financially stable ✓ Extensive cover options and custom add-ons ✓ Great for high-value or financed vehicles ✓ Excellent claims handling | ✗ Higher monthly premiums ✗ Not the most tech-savvy or instant sign-up process ✗ Better suited for drivers who want full coverage—not ideal if you’re on a tight budget |
Overall, you can expect:
- Strong reputation for fast, fair claims payouts
- Access to a nationwide network of approved repairers
- Available through brokers or direct channels (but mostly a traditional setup)
- Excellent service, but not ideal for those who prefer app-based, DIY insurance
Is It Right for You?
Santam is a solid choice if you drive a newer car or want strong all-around coverage with responsive service. It’s especially suited for professionals, families, or anyone who prefers dealing with a well-established insurer, even if it costs a little more.
2. Dialdirect
Best for Fast Online Quotes, Cashback Rewards & Smart App Features
Dialdirect, part of the Telesure group since 2003, offers comprehensive, third-party fire & theft, and third-party-only car insurance. Their policies come with a solid suite of included benefits and add-ons:
They cover:
- Accident damage, theft, hijacking
- Natural disasters (like storms and floods), and fire
- Third-party liability
- Damage by uninsured drivers
- Emergency roadside assistance, towing, and storage
- Windscreen repairs and car hire
- Optional medical expenses cover and sound equipment protection
Their standout feature is the “Payback Bonus”: a built-in rewards system offering up to 75% monthly cashback for safe driving or 25% of total premiums back after four years claim-free.
Pricing
- Comprehensive cover averages around R1,349/month, with excess typically R6,950 per claim.
- Third-party, fire & theft cover starts at approximately R796/month, often with no excess.
- You pay based on mileage via telematics; lower driving distances result in lower premiums.
- Discounts and cashback further reduce long-term costs.
Pros and Cons
| Pros | Cons |
| ✓ Fast, self-service through the Dialdirect app (quotes, claims, roadside assistance)✓ Payback Bonus: up to 75% monthly or 25% after 4 years claim-free✓ Strong customer service ratings (Ask Afrika top‑3)✓ Comprehensive core cover with valuable add-ons included | ✗ High excess of ~R6,950 per claim✗ Renewal rates may rise without negotiation✗ Telematics tracking may feel intrusive✗ Inconsistent online pricing until you request a quote |
What you can expect;
- App-driven experience: easily manage quotes, documents, claims, and roadside assistance.
- Telematics usage: pay less if you drive under set mileage bands.
- Payback rewards: reward system encourages safe driving.
- Inclusive cover for accidents, theft, disaster, windscreen, towing, car hire, and more.
- Mid-range premiums—neither cheapest nor most expensive.
- Call centre backup with flexible excess options and renewal support.
Is It Right for You?
Dialdirect is ideal for drivers who value technology and control. If you don’t drive much, the telematics-powered model lets you save significantly. The app and Payback rewards support savvy drivers looking for long-term value. If you’re a high-mileage driver or prefer fixed excesses and traditional support, another insurer may suit you better.
3. Naked Insurance
Best for Transparent, Budget-Friendly, Fully Digital Cover
Launched in April 2018 and backed by Hollard, Naked Insurance takes a modern, tech-first approach to car cover. The entire process—getting a quote, customizing policies, making claims—is done through their intuitive app, with no paperwork or phone calls. They insure vehicles at retail value and allow you to choose your own flat excess to balance monthly premiums with out-of-pocket cost—glass claims often come with no excess.
Naked offers:
- Comprehensive cover: includes accident damage, theft, hijacking, natural disasters (hail, floods), fire, 3rd-party liability, and stationary risks.
- Third-party only: basic liability cover, with premiums from R70/month.
- CoverPause®: pause your accident cover when not using your car, paying only 50% of your premium during that time while retaining theft and weather protection—great for weekend drivers, holiday use, or WFH periods.
- Add-ons: roadside assistance, tow bars, sound system cover, car hire, credit shortfall insurance to cover loan gaps.
- 100% digital: instant quotes (under 90 seconds), immediate proof of cover, adjustable policies, and seamless digital claims.
Pricing
- Comprehensive cover starts at around R677/month with a R10,000 excess—but lower excess options increase the premium (e.g., R812/month with R3,000 excess)
- Third-party only starts from R70/month, covering up to R10 million liability
- CoverPause® can reduce costs by up to 50% during non-driving periods
Pros and Cons
| Pros | Cons |
| ✓ Very affordable—cheapest in market for equivalent cover✓ Transparent pricing—no hidden fees; you see exactly what you pay for✓ CoverPause® is unique and saves money for infrequent drivers✓ Retail value payout on write-offs; instant proof of cover✓ Digital-first, user-friendly app; fast claim payouts and easy app-based image/video claims | ✗ App-based only, no phone support; may not suit those who prefer talking to someone✗ Roadside assistance limited to R500 per incident which may be low for serious breakdowns✗ Telematics/exact drive use not integrated so, pausing is manual✗ Some users report annual premium hikes post-claim or on renewal✗ Limited niche products (no exotic car separate cover) |
What you can expect;
- A fully app-based experience: quotes, policy changes, claims, and proofs all managed digitally.
- Fast claim responses—fully app-driven with photo/video submissions; payout times range from a week to a few weeks depending on complexity.
- The ability to pause cover, saving up to 50% if you’re not using the car.
- A clear, streamlined cover structure with no hidden charges.
- No phone support—email and app-chat only.
- Backing from Hollard ensures financial reliability
Is It Right for You?
Naked is an excellent choice if you’re digitally savvy, drive less, and want transparent, flexible cover at low cost. Their CoverPause® feature is particularly advantageous for those working from home or limiting their driving.
4. King Price
Best for Premiums That Decrease Monthly with Your Car’s Depreciation
King Price, founded in 2012 and backed by reinsurance from Munich RE, shook up the South African car insurance market by introducing a decreasing premium model—one that adjusts your monthly cost as your vehicle’s value drops over time. They offer a full suite of policies:
- Comprehensive (accident, theft, hijacking, fire, natural disasters, third-party liability)
- Agreed value (fixed insured value for three years)
- Theft & write-off
- Third-party, fire & theft
- Third-party only
- Collectable car insurance for specialty vehicles
Extras include roadside assistance, towing, car hire (up to 30 days), credit-shortfall cover, sound-system cover, personal accident cover, scratch and dent, and “R1” add-ons like mobile gear insurance. They also offer group and multi-car discounts up to 20%.
Pricing
- Comprehensive starts from around R1,789/month, with excess at R6,500 per claim
- Third-party, fire & theft is roughly R1,107/month
- Specialty cover for classics and high-value vehicles follows agreed or declining value structures.
- They offer optional “Chilli” pay-per-kilometre cover—savings up to 70% for low-mileage drivers
- Discounts for multiple vehicles: 2 cars = 10%, 3 = 15%, 4+ = 20%
Pros and Cons
| Pros | Cons |
| ✓ Premiums drop monthly with depreciation—unique in SA✓ “Chilli” pay-per-k option can save up to 70% for low-mileage users✓ Extensive customizable plans, incl. classic and collectable car options✓ 24/7 emergency assist + “King’s Cab” safe transport home available | ✗ Some brokers report hidden excess hikes or pushy agents✗ Excess can be confusing—ranges from R6,500 to R27,500✗ Mixed reviews: many praise fast payouts, some flag claim disputes or contract confusion✗ Premiums more favourable for newer, low-risk drivers; older or high-risk may not see same benefits |
What you expect;
- Monthly premium reductions in line with your car’s value
- 24/7 Emergency Assist, including medical, towing, and support
- Optional King’s Cab service for safe return home
- Flexible options like Chilli for low-mileage drivers
- Discounts of up to 20% when you add multiple vehicles
- Fast and customer-friendly claim process—though some users warn of agent miscommunication
- Variety of plans—from basic to classic car coverage
Is It Right for You?
King Price is a great fit if you want flexible coverage that adapts to your car’s ageing—and saves you money in the process. Its decreasing-premium model and pay-per-k option are standouts for low-mileage drivers or those wanting customizable plans.
5. MiWay
Best for Flexible Digital Cover & Cashback Rewards
MiWay is South Africa’s first fully direct car insurer, founded in 2008 by Santam, Sanlam, and PSG, and now owned by Santam. Recognized for its easy-to-use digital platform and strong trust reputation—top-rated on Hellopeter and Ask Afrika—it offers four levels of coverage (comprehensive, third-party/fire & theft, third-party only, and total loss) plus customization options for retail, market, trade, or agreed values.
MiWay includes standard cover for
- Accident damage, theft, and hijacking
- Fire and natural disasters.
- Third-party liability, windscreen repairs, and 24-hour WeDrive take-me-home service.
- Optional add-ons cover car hire, roadside assistance, tyre-and-rim, scratch-and-dent, sound system protection, motor warranties, and credit-shortfall insurance.
Unique benefits include Micashback™, which gives 10% of premiums back every two years for claim-free performance, and Insure-2-Cars, a multi-car discount that can save 25%. MiWay also offers MyDriveStyle telematics to reward safe driving via a fitted device.
Pricing
- Comprehensive cover starts from about R840/month (~R28/day) depending on your vehicle, cover level, and excess selected.
- Third-party fire & theft and third-party only options cost less, with total loss cover offered for write-off and theft only.
- You choose your excess to balance premium vs out-of-pocket costs.
- Micashback™ and multi-car discounts (10–25%) help reduce your overall spend.
Pros and Cons
| Pros | Cons |
| ✓ Digital-first setup: online quotes, policy admin, and claims via app/website✓ Micashback™ gives 10% back every two claim-free years✓ Multi-car discount saves up to 25%✓ Your choice of retail, market, trade, or agreed value; plus total loss option✓Your choice of retail, market, trade, or agreed value; plus total loss option✓ Top satisfaction scores on Hellopeter, Ask Afrika, and other surveys | ✗ Reddit users report instances of increased excesses without clear notice✗ Telematics MyDriveStyle device required—may not suit all drivers✗ Some users on Reddit caution about policy changes at renewal without clear communication✗ Roadside assistance may be limited in scope✗ Digital-only support may not suit those seeking personal service |
What you can expect:
- Online quote in minutes plus easy digital policy management
- Flexible excess options to tailor premium vs claim cost
- MyDriveStyle device for safe-driving rewards
- 24/7 WeDrive take-me-home service and roadside help
- Comprehensive cover boosted by valuable add-ons
- Cashback every two years and multi-car savings
- Annual renewal with transparent communication—watch out for changes in terms or excess
Is It Right for You?
MiWay is an excellent fit if you like managing your insurance online, drive regularly, and want flexible, modern cover combined with reward incentives. Their cashback and multi-car discount programs make it cost-effective, especially if you’re claim-free.
6. Discovery Insure
Best for Lifestyle Integration & Safety Rewards via Vitality Drive
Discovery Insure brings a safety-first mindset to car insurance with its innovative Vitality Drive program and smartphone or telematics-based tracking. As part of the Discovery Group, it’s a trusted and financially strong player in the South African insurance market. Their comprehensive coverage is feature-rich:
They cover:
- Accident damage, theft, hijacking
- Fire, natural disasters (hail, floods)
- Third-party liability and uninsured driver damage
- Windscreen repairs
- Emergency roadside assistance, towing, and storage
- Car hire during repairs
- Trauma counseling and personal legal liability
- Optional: medical expenses, motor warranties
Vitality Drive encourages good driving by tracking behaviour (harsh braking, acceleration, cornering, nighttime driving). Rewards include up to 50% fuel cashback, hail and theft excess waivers, and other perks like Gautrain, Uber, and shopping discounts.
Pricing
- Comprehensive cover typically starts from R1,200 to R1,800/month, depending on vehicle, driving profile, cover level, and excess chosen.
- You pay no excess for hail, theft, or third-party at-fault claims under standard plans.
- Fuel cashback—up to 50%—is tied to your Vitality Drive score and redeemed monthly.
- Add-ons (e.g., motor warranty, medical expenses) and multi-vehicle discounts may affect the premium.
Pros and Cons
| Pros | Cons |
| ✓ Safety-first with Vitality Drive tracking and rewards like up to 50% fuel cash back✓ No excess for hail, theft, or third-party-at-fault claims on some plans✓ Impact Alert and emergency response for severe accidents✓ Fuel cashback usable to fund excess via the Excess Funder Account✓ Theft tracking, hail/no-excess, and trauma cover included in many plans | ✗ Premiums can be higher than digital-only or low-cost insurers✗ Telematics required—some may see this as privacy-intrusive✗ Payment increases may happen if Vitality status slips or drive habits worsen✗ Some users report claim admin communication issues✗ Digital-heavy model; less ideal for those wanting call-centre service |
What you can expect;
- A telematics device (DQ‑Track) or smartphone app tracks driving behaviour.
- Monthly fuel cash back credited based on your Vitality performance.
- Emergency features: Impact Alert, Direction Assist, Trip Monitor, roadside assistance
- No excess for hail, theft, or third-party accidents under most plans.
- Fuel cashback can go into an Excess Funder Account to help cover claim excess.
- Personalized driver coaching through the app.
- A range of plans: Essential, Classic, Purple—each with varying perks and vehicle values.
Is It Right for You?
If you’re safety-conscious and appreciate technology that rewards good driving, Discovery Insure could be a perfect match. You’ll benefit most if you drive reasonably, want added safety features, and plan to leverage the fuel cashback and no-excess perks.
7. OUTsurance
Best for Cashback Rewards, Fixed Excess & 24/7 Service
OUTsurance, part of the JSE-listed OUTsurance Group, offers both comprehensive and essential car insurance tailored to different vehicle types and driver budgets. Their comprehensive package covers:
- Accident damage, theft, hijacking
- Natural disasters (storms, flood, hail), fire
- Third-party liability
- Towing, storage services, and windscreen repairs
- Lost/stolen keys and medical expenses
- Optional add-ons: car hire, 4×4 cover (off-road), sound system, credit shortfall, legal/medical assistance
Essential cover—more affordable—targets unfinanced cars over five years old and valued under R125–130 k. It includes essential protection and lets you choose your own repairer.
A standout is OUTbonus, a cashback reward delivering 10% of premiums back after three consecutive claim-free years, with increased payouts the longer you remain claim-free. They also offer a Best Price Guarantee—R500 cash back if they can’t beat your current quote, and R1,500 if you’ve been claim-free for three years.
Their 12-month fixed-premium guarantee ensures rates won’t change after a claim, and they maintain a flat excess regardless of claim size.
Pricing
- Comprehensive cover typically starts from around R350/month, up to R1,300, depending on your vehicle, risk profile, and chosen extras
- Essential cover targets older, lower-value cars for lower cost but branded as basic
- OUTbonus effectively returns cash after three claim-free years.
- Premiums are fixed for 12 months, even after making a claim.
Pros and Cons
| Pros | Cons |
| ✓ OUTbonus cashback returns 10%+ after 3+ years claim-free, for extra savings✓ Best Price Guarantee backs your current premium with cash if unmatched✓ 12-month premium stability even after claims; no-payout affects next year’s rate✓ Fixed excess provides predictability for claim planning✓ 24/7 Help@OUT roadside, home, and panic assistance included | ✗ Premiums may climb above average—some quotes go up to R2,000+/month✗ Flat excess might discourage small claims, costs not tied to damage size✗ Premiums and excesses may need negotiating✗ Basic essential cover may under-insure older cars needing quality repairs |
What you can expect;
- Cashback rewards after three claim-free years, with OUTbonus payouts daily to customers.
- Fixed premiums and excesses for 12 months, even after claims.
- Best Price Guarantee cash back if they can’t beat your quote.
- 24/7 Help@OUT service providing roadside, home, and panic assistance.
- Reliable access to approved panel repairers, with guarantees on repairs.
- Standard and essential cover options: full or budget.
- Call-centre support backed by trained advisors as opposed to app-only assistance
Is It Right for You?
OUTsurance is a smart choice if you value long-term rewards, premium stability, and 24/7 support, especially with the OUTbonus offering real cashback benefits. Their Best Price Guarantee and flat-excess model suit those expecting steady costs over time.
8. Budget Insurance
Best for Affordable “Lite” Cover for Older or Low-Value Cars
Budget Insurance, founded in 1998 and part of the Telesure group, offers a variety of car policies—including fully comprehensive cover and highly affordable Budget Lite packages designed for older, non-financed vehicles. They position themselves as a trustworthy budget insurer, emphasising transparency and a simple claims process .
They cover:
- Theft, hijacking, accidental damage, fire, and natural disasters (hail, flood) under comprehensive plans
- Third-party liabilities
- Windscreen, towing & storage, roadside assistance, repairer of choice, lost/stolen keys, medical/legal cover
- Optional extras: car hire, sound system protection, motor warranties, credit-shortfall insurance
- Budget Lite covers:
- Lite 1: theft, hijacking, third-party liability
- Lite 2: adds write-off cover (accident/hail) and accident towing/storage
- Lite 3: includes up to R15,000 accidental repair cover (financing allowed)
They also offer multiple car and home bundling discounts, a cash-back bonus, and solid service backed by their 24/7 Assist programme.
Pricing
- Comprehensive cover ranges from approximately R500 to R1,500/month, depending on vehicle value, extras, and risk profile
- Budget Lite plans start significantly lower: Lite 1 is very affordable for older or lower-value vehicles (< R250,000), Lite 2 adds write-off cover, and Lite 3 provides limited accidental repairs up to R15,000
- Cash-back Bonus returns 15% of total premiums after the first two claim-free years, then 10% annually thereafter
- There are also multi-car and home/car bundling discounts—savings up to R420/month reported
Pros and Cons
| Pros | Cons |
| ✓ Wide range of policy options, including Budget Lite tailored to older cars✓ Cash-back bonus: 15% after 2 claim-free years, then 10% annually✓ Optional extras and repairer-of-choice for repairs✓ Discounts for multi-car and bundled home insurance | ✗ Budget Lite may under-insure older cars needing extensive repairs✗ Some customer reviews note confusing bureaucracy & limited assistance uses✗ Potential renewal excess increases & claims underwriting at claim time✗ Some report slow admin or unclear policy terms |
What you can expect;
- Multiple levels of cover: From full comprehensive to targeted Budget Lite options for older or low-value vehicles
- Assist benefits: towing, roadside, home, medical & legal emergency support via 24/7 platform
- Cash-back rewards after two claim-free years, and further annually—automatically paid
- Ability to tailor your premium with add-ons and repairer-of-choice
- Online and call-centre support, though with variable levels of responsiveness
Is It Right for You?
Budget Insurance is ideal if you’re looking to protect an older or low-value car without spending heavily. Their Budget Lite suite offers cover that matches the vehicle’s value without unnecessary extras. The cashback reward and bundling discounts add real value.
9. Momentum Insure
Best for Safety Rewards, Flexible Cover & Lifestyle Extras
Momentum Insure is part of the Momentum Metropolitan Group, one of South Africa’s largest financial services providers. Their car insurance is designed to reward safe behavior with up to 30% annual cashback, even after claims, through their Safety Returns rewards programme. Safety Returns tracks safe driving (via app features like Safe Dayz™ or a panic button), rewarding consistent, cautious behavior, and even non-driving days count when you use Gautrain.
Momentum offers a variety of policy options:
- Select, Priceless, Envoy, and 55+, plus add-ons like HomeDrive chauffeur service and Explorer for cross-border travel.
- Their standard comprehensive cover includes accident damage, fire, theft, hijacking, natural disasters, third-party liability, windscreen repairs, roadside, home, legal and medical assistance.
- Extras include panic button (Safety Alert), tyre and scratch-and-dent cover, and more via Momentum Assist 24/7.
Pricing
- Momentum doesn’t publish fixed premiums, but they promise competitive rates, with guaranteed premiums for 12 months regardless of claims.
- Clients report savings via bundling, loyalty, and rewards—often R3500/year cheaper after comparison quotes.
- If you fit safety criteria and use app features, you could earn 30% of premium back annually, regardless of claims status.
Pros and Cons
| Pros | Cons |
| ✓ Up to 30% cashback yearly—even after claims, via Safety Returns✓ Competitively priced, with trustworthy 12-month guaranteed premiums✓ Full suite of extras—roadside, home, legal/medical assistance via Momentum Assist✓ Safety Alert panic button connects you with armed responders—unmatched in SA✓ Useful extras like chauffeur service, explorer cover, tyre & scratch protocols | ✗ Some users report poor customer support and long claim resolution times✗ App-heavy experience may frustrate those expecting phone support✗ Cashback prerequisites may seem complex and require regular app engagement✗ Some report renewal premium hikes despite no claims |
What you can expect;
- A smartphone-driven approach with strong app integration for claims, tracking, and rewards.
- Annual up to 30% cashback paid even if you claim.
- Safety Alert panic functionality with access to armed and medical responders.
- Momentum Assist: 24/7 roadside, home, medical, and legal support.
- Optional extras (chauffeur service, tyre/scratch repair, cross-border Explorer cover).
- A solid 12-month premium guarantee post-claim.
- Cashback eligibility may require a mix of safe driving, profile input, and app usage.
Is It Right for You?
Momentum Insure is perfect for those who want to be rewarded for safe driving and value lifestyle extras. The 30% cashback, guaranteed premiums, and safety tech make it strong for families and proactive drivers.
10. Oneplan
Best for Simplicity, Affordability & 100% Digital Experience
Oneplan is a fully digital short-term insurer backed by Bryte, offering hassle-free, flexible car insurance through a user-friendly app and self-service portal. There are no in-person inspections — just snap a few photos and complete your policy setup online. Oneplan provides:
- Comprehensive cover only (no fragmented options): accident damage, theft, hijacking, fire, storms/floods, towing (up to R2,500), windscreen repairs, legal liability (R2.5 million), and storage if needed.
- Adjustable insured value: choose to insure between 30–95% of your car’s market value
- 24/7 in-app chat support — fast responses from real agents.
- Pre-paid Oneplan Claim Card: once approved, claims are loaded directly to your card—no out-of-pocket expenses.
- Simple terms with headline R2.5 million third-party liability and no hidden fees.
Pricing
- Policies are tailored—based on your chosen insured value, car type, driving profile, and excess level
- Early reviews suggest significant savings, especially for those with multiple vehicles (e.g., R2,000 saved across five vehicles)
- No hard pricing published, but flexibility allows you to adjust premium directly in the app before purchase
Pros and Cons
| Pros | Cons |
| ✓ Instant digital quotes—no paperwork, no inspections, policy live in minutes✓ Adjustable insurance level helps tailor cost to budget and car value✓ Claims paid directly to the Oneplan Claim Card—no upfront costs✓ Real-time, 24/7 chat support, highly rated by users✓ Simple, transparent terms—R2.5 m liability, towing up to R2,500✓ Highly rated on Hellopeter (4.59/5 over 23k+ reviews) | ✗ No third-party / fire & theft-only options—only comprehensive cover✗ Claims require a tidy photo submission; quality impacts approval time✗ Corporate-level broker or in-person support options limited✗ Mixed reviews on app reliability, some users report poor experience |
What you can expect
- Full digital experience: quote, policy management, and claims via the app or web portal
- Quick claim payout to your Oneplan Claim Card—no money advances needed
Chat support with real people, around the clock
- Flexible insured-value slider to balance coverage vs cost
- No phone calls, no paperwork
- Clear, upfront cover details (e.g., R2.5 m liability, towing limit)
Is It Right for You?
If you’re tech-savvy, want simple and transparent car insurance, and prefer to manage everything online, Oneplan is a strong contender. It’s especially ideal if you’re confident in capturing clear claim photos and don’t need separate third-party options.
How to get the best car insurance for your needs
Before you sign up with any insurer, take a bit of time to understand what matters most to you. Here are some key tips to help you get the best deal for your needs:
- Know your needs: Are you looking for full cover, or just third-party protection? Do you want extras like roadside assistance or car hire?
- Talk to more than one insurer: Don’t settle for the first quote. Contact multiple companies and see how their offers compare.
- Use a broker: A good insurance broker can often get you a better deal than going directly to the insurer. They’ll also help explain the fine print.
- Compare cover, not just price: A lower premium isn’t always better. Look at what’s included, the excess amount, and any added benefits.
- Check how the claims process works: A policy is only as good as the claims service. Read reviews or ask around to find out how hassle-free the process is.
- Think about your car’s age and value: A new car might need comprehensive cover, while an older car may be fine with basic third-party insurance.
- Understand the excess: Know how much you’ll need to pay if you claim. Sometimes a lower monthly premium comes with a high excess.
- Read the fine print: Always check for exclusions and conditions that could affect your ability to claim.
Final thoughts
Finding the right car insurance in South Africa isn’t always simple, but it’s worth the effort. With options ranging from tech-first platforms like Naked to more traditional, full-service providers like Santam, there’s something for every kind of driver and budget.
Take your time comparing quotes, think about what kind of cover you actually need, and weigh up the service quality, benefits, and pricing. The companies we’ve highlighted are among the best-rated in the country, and they each bring something valuable to the table.
Still unsure which to pick? Start by asking yourself what matters most—low premiums, easy claims, fast signup, or rewards? Then go back through this list and find the match that fits you best.
Remember, the right insurance shouldn’t just be affordable—it should give you peace of mind every time you drive.
