Get faster quotes in just 2 minutes. Before you commit, Hippo it!
South Africans who Hippo-compare everything can save R7,000* a year!
You can find it all with Hippo.
We’ve partnered with some of the leading car insurance companies in South Africa,
so you can compare some of the top names in the industry.
We make it easier than ever to find the right deal for your ride.
1st for Women stands out for its dedication to female drivers and offers specialised benefits like trip monitoring, panic buttons and crash detection on their comprehensive car cover. With their “BetterCar” benefit, they’ll pay out the equivalent of the same model car but one year newer if your car is written off due to an accident.
Learn moreAbsa Bank offers car insurance in two ways: through their app-based Activate plans or iDirect, which you can purchase via their call centre. They have an easy-to-use self-service portal as well as value-adds like credit shortfall cover, scratch and dent cover and mechanical breakdown warranty.
Learn moreAuto & General offers comprehensive coverage tailored to your needs, with an emphasis on hassle-free claim processing. They’re also known for their Young@Heart benefit for members over 50, which covers your spouse, gives you the option to remove basic excesses, and more.
Learn moreBudget Insurance is renowned for its affordable coverage that doesn’t compromise on quality. Their streamlined processes and online tools make claims easy, while additional benefits like flexible payment options and 24/7 customer support make them a top choice for budget-conscious drivers seeking reliable protection.
Learn moreDialdirect is all about less ‘YADA YADA’ and more of what you need. Their bundled deals give you more bang for your buck: for instance, their Streetsmart Combo gives your car, pothole and cell phone cover in one. Their unique benefits include same-day claim payment on certain claims and cash back after four years of consistent and claim-free cover.
Learn moreDiscovery offers motorists market-leading cover at great prices. Their members enjoy benefits such as paying no excess on certain claims, the option to write off their car at a lower level of damage, and the opportunity to join Vitality Drive, the driver behaviour programme that rewards good driving habits.
To keep your ride on the move, choose FNB car insurance. FNB lets you apply for insurance on their app and you can earn up to 15% of your premium back in eBUcks every month. Their comprehensive plan includes a repatriation benefit if you break down in certain African countries outside South Africa, as well as roadside and emergency medical assistance.
iWYZE car insurance provides affordable yet comprehensive coverage, with a focus on simplicity and transparency. A product of Old Mutual, it distinguishes itself with its "Cash Back Plus" feature that rewards safe driving behaviour with moneyback incentives.
Learn moreKing Price's customer-centric approach is evident in their "Royal Service," offering personalised assistance and support tailored to each person’s needs. They’re also known for their "Decreasing Premiums" model, where premiums decrease monthly as the value of your insured vehicles go down.
Learn moreMiWay offers comprehensive plans, affordable premiums, great customer service, and easy-to-understand excess amounts. Policyholders get free roadside emergency assistance plus the use of their “WeDrive” service, which gets you home safely in your own car if you can't drive.
Learn moreWith Momentum's car insurance, you can get up to 30% cashback and discounts at their retail partners when you join their Multiply rewards programme. Momentum is known for their flexible payment options, personalised service, and a user-friendly claims process
Naked makes insurance simple. In under 90 seconds, you can get car insurance online—no calls or hassle. Insure your car for its retail value and choose your excess on their app. Their “CoverPause” feature allows you to save up to 50% by pashing your accident cover on the app—you’ll still be covered for theft or damage caused by nature and other stationary risks.
Enjoy the freedom your wheels give you with Nedbank. Nedbank covers all kinds of vehicles, including motorcycles, trucks, vans, SUVs, boats, caravans, and trailers, and has various car hire options to suit your needs and pocket. Home and roadside assistance services are available as well as 4x4 off-road cover and cover for classic cars.
Learn moreOld Mutual car insurance stands out with its "DriveSave" program, which leverages telematics technology to reward safe driving behaviour with discounts of up to 20% for its policyholders. The brand is also committed to sustainability through their "Greenlight" initiative, where policyholders who drive eco-friendly vehicles are eligible for discounts.
Learn moreOUTsurance offers standard car insurance with a wide range of benefits. This includes a fixed excess no matter how large your claim is and 12 months of unchanging premiums even if you submit a claim during this time. Policyholders also enjoy a cash OUTbonus, which gives them 10% of their premiums back after a three-year claim-free period.
Pineapple car insurance disrupts the industry with its unique "Insure with Friends" model, allowing policyholders to form groups with friends and share unused premiums at the end of the year. Their innovative self-service platform lets customers manage their policies independently, from quote generation to policy adjustments.
Learn moreSantam's slogan, 'Insurance good and proper,' sums up the kind of service you can expect from them. They guarantee that you’ll be paid out should your vehicle be written off or stolen and provide 24/7 emergency services for free to their clients.
Standard Bank offers personalised premiums to ensure you pay for cover that’s based on your unique risk profile. Policyholders enjoy added benefits including emergency help on the road or at home, and UCount Rewards members get 50 UCount tiering points allocated each month with their car cover.
Virseker bied onblusbare motorversekering in Afrikaans. Hulle het vier hoof motor produkte en bied n betalingspouse wat polishouers die buigsaamheid gee om een premiebetaling per jaar oor te slaan sonder om hul geen-eisbonus te verloor.
Leer meerThe best car insurance company in South Africa depends on your needs, but you can look for a few key factors to choose the right one:
Affordability: Compare premiums to find a policy that fits your budget.
Customer service: Check reviews to see if the company is responsive and helpful when you need assistance and how easy or complicated their claims process is.
Rewards for safe driving: Some companies offer discounts or rewards if you’re a cautious driver.
Ultimately, it’s about finding a balance between cost and the quality of coverage offered. Always compare quotes before making a decision.
Yes, car insurance companies do investigate claims. When you file a claim, they want to check if everything matches up with what happened. They might ask for details like photos, repair estimates, or witness statements. If the claim seems unusual or large, they could take a closer look by talking to people involved or even reviewing police reports.
It’s just their way of making sure everything is accurate before they pay out.
They do this based on its market value. This means they look at how much a similar car, with the same age, mileage, and condition, would sell for.
They also consider factors like:
Make and model: Some cars hold their value better than others.
Mileage: The more you've driven the car, the less it's worth.
Condition: If the car has any damage or wear and tear, it affects the value.
They use this info to decide how much they'd pay out if your car is written off or stolen.
When the cost to repair it is higher than the car’s value. This usually happens after a major accident or severe damage.
For example, if your car is worth R100,000 but the repairs would cost R120,000, they’ll consider it a total loss or "write-off." In this case, they’d pay you the car’s value instead of fixing it.
Yes, a car insurance company can refuse to pay a claim if certain conditions aren’t met. Common reasons include:
Policy exclusions: If the damage isn’t covered by your policy (like wear and tear).
Invalid license: If the driver didn’t have a valid license at the time of the accident.
Late payments: If your premiums weren’t up to date.
Fraud: If the company suspects false information or dishonesty in the claim.
Always check your policy details to know what’s covered and keep your information accurate to avoid any issues.