Top 10 Car Insurance Companies in South Africa
Uni24.co.za brings to you the top 10 car insurance companies in South Africa. We’ve done the work, we’ve separated the best from the rest to give you a clue as to which car insurance company in South Africa is actually worth your time. It should be noted that these may not be the cheapest car insurance companies, however, they offer some of the best services in the industry.
1. Discovery Car Insurance
The Discovery car insurance comes in three policies. These are Essential Policy, Classic Policy and Purple Policy. This car insurance is one of the most desired in South Africa. Below is a breakdown of the coverage each policy offers.
Discovery Essential Car Insurance
- No excess if an insured third- party causes an accident
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability: Enjoy cover if you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- Up to 25% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
Discovery Classic Car Insurance
- No excess for theft-related and weather-related claims, or if an insured third party causes an accident
- Car hire for up to 30 days when you claim, and optional Uber benefits
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability: Enjoy cover if you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- Up to 50% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
Discovery Purple Car Insurance
- No excess for theft-related and weather-related claims, or if an insured third party causes an accident
- Car hire for up to 30 days when you claim, and optional Uber benefits
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Multi-vehicle benefit reduces your premiums if you own several cars, but only one is driven at a time
- Replacement value of new car of similar make and model if the car is less than 24-months old from the date of first registration
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability: Enjoy cover if you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- An assigned Service Executive to help you with anything you need
- Up to 50% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
Website: https://www.discovery.co.za/
2. Outsurance Car Insurance
Outsurance offers two Car Insurance policies, these are, comprehensive car insurance and Essential car insurance. This company is second on our list of top car insurers in South Africa.
Outsurance Essential Car Insurance
The Outsurance essential car insurance is ideal for vehicles over 5 years old, not financed and worth less than R125,000. Details of this policy are provided below
R1m liability cover : If you’re legally responsible for damage to a third party’s vehicle, we’ll pay up to R1 million.
Theft cover : If your car is stolen or hijacked, we pay you the full retail value, minus a standard R2,630 first amount not covered.
Accident cover : If you have an accident, we’ll pay out the value of the damage in cash (up to 40% of the vehicle’s retail value).
Take charge of repairs : We pay out claims in cash, less R2,630 first amount not covered. This puts you in control of the repair process!
Outsurance Comprehensive Car Insurance
This car insurance package is ideal for any car, motorbike, trailer, caravan or watercraft. Details of this policy are provided below
Best price guarantee : Get R500 if we can’t beat your current premium. R1500 if you haven’t claimed for three years.
OUTbonus : You’ll get 10% of your premiums paid back in cash after three claim-free years.
Help@OUT : Call on us for emergency roadside assistance, whenever you need it, 24/7.
12-month guarantee : Your premium is guaranteed not to change for 12 months at a time, even if you submit a claim during this period.
Low flat excess : Irrespective of the size or value of your claim, your excess remains fixed.
Top panel beaters : Your vehicle will be repaired by one of our approved service providers and your repairs are guaranteed for a 12-month period.
Liability cover : We pay up to R5 million (or more if you choose) if you’re legally responsible for damage to a third party. You’re even covered when you drive someone elses car.
Lost and stolen keys : You’re covered if your car key is lost or stolen, or if they are damaged in an accident.
Medical expenses : In the event of an accident, this will cover medical costs for injured passengers, including transportation to hospital.
Comprehensive car insurance addons at Outsurance
- Car hire
- 4×4 Insurance
- SmartDrive
- Legal and medical assistance
- Credit shortfall
- Sound equipment
- Bicycle insurance
- Watercraft insurance
- Personal accident insurance
- Exclusive extras for women
Webiste: https://www.outsurance.co.za/
3. MiWay Car Insurance
MiWay offers four car Insurance policies, these are, Comprehensive car insurance, Third-Party, Fire and Theft, Third Party Only Car Insurance and Total Loss Car Insurance. This company is third on our list of top car insurers in South Africa.
MiWay Comprehensive Car Insurance
This package provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods. Comprehensive insurance cover also includes damage to the vehicle’s windows and liability to other parties as a result of an accident, as well as intentional damage to your vehicle.
- Affordable insurance premiums to suit your budget;
- Great customer service – as well as the ability to manage your own insurance policy online;
- An easy, hassle-free claims process – submit your claim online or via our App;
- An easy-to-understand claims excess structure;
- 24-hour roadside emergency assistance; and
- The use of WeDrive (MiWay’s take-me-home driver service).
MiWay Third-Party, Fire and Theft Car Insurance
This cover provides insurance cover for your car against theft, fire-related damages, and damages you may have caused to another person’s vehicle during an accident.
MiWay Third-Party Only Car Insurance
This insurance cover provides liability cover for any damage you may cause to the property of another person. Damage or loss to your own vehicle is not covered.
MiWay Total Loss Car Insurance
This provides insurance cover to clients for the total loss of their vehicles only due to write-offs, theft or hijack, as well as limited third-party liability. Accidental damage that does not result in a total loss is not covered.
Website: https://www.miway.co.za/
4. Dotsure Car Insurance
Dotsure is fourth on our list of top car insurers in South Africa.
Pothole Protect
Potholes got you (and your rims) bent out of shape? We’ll recover the costs of pothole damage on your behalf.
Fines Protect
We’ll alert you to new fines, facilitate seamless payment, and negotiate fine reductions for you.
Accident Protect
Unless you’re a sucker for punishment, you don’t want to deal directly with the Road Accident Fund. We’ll do it for you.
License Protect
We’ll remind you when your licence is about to expire, facilitate the renewal, and deliver your new licence on time.
Emergency Medical
If you’re injured in your car, we’ll cover road and/or air transportation to get you to the nearest medical facility as fast as possible.
Emergency Roadside
Stuck and stranded? We’ll find you, top up your tank, charge your battery, pick you up, and tow your car.
What you are covered for
- Accidental damage
- Damage to others
- Fire, Theft or Hijacking
-
Key replacement
-
Riots & warfare
-
Non-standard accessories
-
Vehicle credit cover
What you aren’t covered for
-
Pre-existing damage
-
Drinking and driving
-
Maintenance of parts
-
Criminal activity
Website: https://www.dotsure.co.za/
5. Iwyze Car Insurance
Iwyze is fifth on our list of top car insurers in South Africa. This firm is underwritten by Old Mutual Insurance Limited.
Your Old Mutual iWYZE Car Insurance cover goes beyond just your vehicle to also include yourself and your precious cargo, providing additional protection against unforeseen road emergencies.
- Emergency medical expenses should any passenger in your vehicle be injured as the result of an accident.
- Trauma counselling if you or a member of your family is the victim of a hijacking, armed robbery, or violent or attempted theft.
- Vehicle keys, locks and remotes compensation in the case of loss or damage.
- Emergency accommodation expenses for you and one passenger for up to two days, should you have a car accident more than 250km away from home.
- Road and Home Emergency Services cover, available to you 24 hours a day, 365 days a year and automatically included with your iWYZE car or home insurance policy.
Our car insurance includes affordable cover options, including comprehensive, third party, fire and theft and third party only insurance.
DRIVE WYZE LITE
Get car insurance at 50% of the price of traditional car insurance with Drive WYZE Lite, a unique insurance option, specifically designed for vehicles that are fully paid up, valued up to R75,000.
VALUE-ADDED PRODUCTS THAT ARE WORTH IT
- iWYZE Scratch & Dent Cover takes care of minor dents and light scratches to keep your car looking brand-new.
- iWYZE Tyre & Rim covers tyre and rim damage, not normally covered by your standard car insurance as it falls within your excess range.
Website: Iwyze.co.za
6. Santam Car Insurance
The Santam car insurance comes in three policies. These are Comprehensive, Third Party and Limited car insurance. This car insurance is one of the best in South Africa. Below is a breakdown of the coverage each policy offers.
Comprehensive
- Accidental loss or damage
- Tow-in cost and safeguarding
- Emergency repairs ( R5000)
- Delivery after repairs
- Tow-in cost and safeguarding after mechanical breakdown ( R1000)
- Vehicle transfer cover
- Replacement of your vehicle
- Difference in excess for rental vehicle
- Keys, locks and remote control units (R2500)
- Medical expenses of passengers
- Emergency accommodation (R5000)
- Emergency costs
- Recovery costs
- Medical expenses of passengers (your family) (R20000)
- Trauma treatment (R5000)
3rd Party Only Insurance
Limited ( Fire and Theft )
- Tow-in cost and safeguarding
- Replacement of your vehicle
- Keys, locks and remote control units (R2500)
- Emergency accommodation (R5000)
- Emergency costs
- Recovery costs
- Trauma treatment
4X4 Insurance
- Accidental loss or damage
- Tow-in cost and safeguarding
- Emergency repairs (R15000)
- Delivery after repairs
- Tow-in cost and safeguarding after mechanical breakdown (R2500)
- Vehicle transfer cover
- Replacement of your vehicle
- Difference in excess for rental vehicle
- Keys, locks and remote control units (R10,000)
- Medical expenses of passengers
- Emergency accommodation
- Emergency costs
- Recovery costs
- Medical expenses of passengers (your family) (R25,000)
- Trauma treatment (R6,000)
Luxury Vehicle Insurance
- Accidental loss or damage
- Tow-in cost and safeguarding
- Emergency repairs ( R15,000)
- Delivery after repairs
- Tow-in cost and safeguarding after mechanical breakdown (R2,500)
- Vehicle transfer cover
- Replacement of your vehicle
- Difference in excess for rental vehicle
- Keys, locks and remote control units (R15,000)
- Medical expenses of passengers
- Emergency accommodation (R10,000)
- Emergency costs
- Recovery costs
- Medical expenses of passengers (your family) (R20,000)
- Trauma treatment (R 5,000)
Website: https://www.santam.co.za/
7. Absa Car Insurance
The Absa car insurance is one of the best in South Africa. Below is a breakdown of the coverage each policy offers.
idirect
- Personalised call centre experience
- Competitive premiums guaranteed for 12 months
- Fixed excess from as low as R3 000
- Open driver policy
- 24-hour road emergency assistance
- Escalating cash back payments after 3, 4 and 5 claim-free years
Activate
- Buy a policy online in under 5 minutes
- Free telematics device with stolen vehicle recovery
- Get up to 40% of your motor premiums back for driving well
- Log claims via the Activate app
- 24-hour emergency assistance
- Drive-me-home service
What you can expect
What you get with Comprehensive car insurance
Loss or damage from insured events to the vehicle caused by:
- Fire, explosion, lightening, hail, storm, flood or snow
- Theft and attempted theft
- Accidents and deliberate acts intended to cause loss or damage (excludes deliberate acts caused by you, the regular driver or members of your household)
- Towing and storage charges after an insured event
- Limited medical expenses
- Responsibility to others (Legal liability)
Benefits:
- Optional car hire – Absa Insurance company offers car-hire at competitive rates
- Flat excess structure – select your basic excess up front and get peace of mind when you have to claim
- Jump start service – Assistance is also provided at non-roadside locations for example at your home
- Remote vehicle inspection – Digital onboarding inspection in the comfort of your own home
- Cash back peace of mind – no excess payment for windscreen chip repair and your cash back remains unaffected
8. Momentum Car Insurance
Momentum Select
We keep you protected and give you peace of mind on your journeys.
- Cover for your vehicles including motorcycles, trailers, caravans, and watercraft.
- No excess on windscreen repair, and loss or damage of sound equipment.
Momentum Priceless
Customised cover options, value-added benefits and rewards with a dedicated personal service consultant.
- Comprehensive cover for your vehicles including motorcycles, trailers, caravans, and watercraft.
- No excess on windscreen repair, and loss or damage of sound equipment.
Momentum Envoy
Comprehensive cover for all your vehicles.
- Includes collectors cars, motorcycles, trailers, caravans, and watercraft.
- Delivery of your vehicle after a repair following an incident that you’re insured for.
- Convenient assessment of your vehicle at your residence or workplace.
Website: https://www.momentum.co.za/
9. Old Mutual Car Insurance
- Whether you drive a private car, goods vehicle, 4×4 or 4×2, we’ve got you covered, get your quote.
- We also offer Road Emergency Services as part and parcel of your policy – protecting you against any unforeseen incident. This benefit covers up to a total cost of R4,000, or two events per year.
- The services include: a flat tyre or battery, keys locked inside your vehicle, running out of fuel, mechanical/electrical breakdown (excluding accidents), towing services and we send urgent messages to your loved ones.
- Affordable premiums
- We take care of towing costs
- We’ll replace damaged keys, locks or remotes
- Get access to 24/7 Emergency Assist
- There is optional car hire
More than just your vehicle
We cover emergency medical expenses if you or any of your passengers are injured in an accident.
Overcome the trauma
You are not alone. We also provide trauma counselling in the event of a hijacking, armed robbery, attempted or violent theft.
Far away from home
Get emergency accommodation expenses for you and one passenger for up to two days. It only applies if you have been involved in an accident more than 250 kilometers from home.
Website: https://www.oldmutual.co.za/
10. Budget Car Insurance
Comprehensive Cover
We’ll cover you for theft, loss, and damage to your car, and third-party damages in case you cause an accident because your eating-while-driving skills are lacking.
Third-Party, Fire & Theft Car Cover
A good option if your budget is a little tighter. We’ll cover your car if it’s stolen or damaged in a fire (hey, it happens), and third-party damages.
BetterCar Value Cover
Get the same perks as our Comprehensive Cover. However, if your car is written-off in an accident, we’ll pay you out for the same model car but one year newer with lower mileage.
Scratch & Dent
Keep your car looking like you just drove it off the showroom floor with Scratch & Dent. Cover your vehicle for those small and pesky scratches, dents, and chips.
Budget Lite
For the smallest budgets, We’ve also got Budget Lite for small budgets and cars worth less than R250 000. With three affordable options, there’s a lite and lekker version for everyone
Third-Party Only Cover
A good choice if your car is paid off and its nickname is ‘skedonk’. Third-Party Only Insurance covers the cost of any damages you cause to a third-party’s property.
Tyre & Rim Guard
Hit a pothole again? Accidently mount the curb? Fix or replace your damaged tyres and rims right up with our Tyre & Rim Guard.
Auto Top-Up
If your car is written off or stolen, will your payout cover the outstanding balance on your finance? It will when you add Auto Top-Up to your car insurance.
Motor Warranty
Don’t let a mechanical or electrical fault in your car mess with your budget. Our Extended Motor Warranty and Pre-Owned Motor Warranty will help keep your car running like it should.
Website: https://www.budgetinsurance.co.za/
