Car, home & buildings bundles
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What is included in Combo Insurance?
Combo Insurance bundles the following insurance products into one policy:
Car Insurance
Protects your vehicle against theft, accident-related damage and damage caused to third parties.
Home Contents Insurance
Protects the movable belongings inside the home, including; furniture, appliances, valuables and more.
Buildings Insurance
Protects the physical structure of your house, such as; walls, roof, fixtures and outbuildings from fire, natural disasters, etc.
Get a better deal with combo cover
How to compare insurance quotes
Hippo simplifies the process by letting you compare car and home combined cover options side by side, so you can find one that works best for you and your budget.
1
Get started
Head to the top of this page to get started with your quote.
2
Answer a few questions
Fill in a few details about your vehicle and the replacement value of your home contents and building.
3
Get your quotes
Compare plans from 5 insurers. No need to enquire with each one separately.
4
Pick your plan
Choose an insurer, then a representative will get in touch to finalise your cover.
Real reviews and real savings
South Africans think we’re lekker. But don’t just take our word for it. See what they have to say:
Getting quotes from various companies was such a quick process — something that would have taken me hours to do on my own. Hippo made it feel less overwhelming and very efficient. The insurer I selected even called me immediately after I submitted my choice. I really appreciated how seamless it all was.
Anonymous
Hippo is a great website to compare car insurance and gives you a variety to choose from no scrolling for seconds they just recommend tailored insurance to satisfy your car needs.
Anonymous
I loved that I was not flooded with calls after I applied for quotes on Hippo. I chose the insurer I was interested in and they calll immediately. I am also happpy they I got premium similar but lower to what I got on hippo.
Anonymous
Independent Service rating based on 20 704 service ratings.
Understanding Combo Insurance in South Africa
Combining multiple insurance products into one policy is common practice across South Africa’s insurance industry.
Why should you consider Combo Cover?
There are benefits to bundling your cover with a single insurer. Having one policy allows for fewer gaps and overlaps in cover between your insurance products. Over and above that, insurers often offer reduced premiums when opting for Combo Cover.
Factors that can impact your premium
Your premium depends on the combined risk factors associated with each insurance product included in your bundle. This may include (and is not limited to) your vehicle’s details, your usage, where it parks, your age or years driving as well as your Home Contents value, security features, past events and rebuild cost. Other factors may also include your claim-free years and the level of cover you require.
Market value vs replacement value
Car Insurance usually pays market value, what your car would sell for today. Home Contents Cover and Building Insurance use replacement value, the cost to replace items or rebuild, so it is advisable to insure for that amount, not what they would sell for.
What to watch out for
Combo Insurance can be a convenient option but there are a few things to keep in mind:
Excess amounts
Every claim comes with an excess, which is the amount you pay out of pocket before your insurer covers the rest. Excesses vary between policies, so compare them alongside your premium before choosing the cover that suits your budget best.
Exclusions
Read what isn't covered before you buy. Limited insurance options may exclude theft or break-in damage, and some policies exclude certain natural disasters or specific damage caused by negligence. Familiarise yourself with the exclusions so a claim doesn't catch you out.
Additional costs & add-ons
Cover such as roadside assistance, car hire after an accident or towing may cost extra or may only be available on comprehensive Car Insurance plans. Check what's included and what's priced separately before you commit to a policy.
Underinsurance & average clause
Underinsurance means your cover amount is lower than the replacement value of your property. If your policy has an average clause, your insurer may reduce any claim payout in proportion to the shortfall, so you receive less than the full amount.
Bundle your cover and save more
The ins ‘n outs of Car and Home Insurance
Hippo’s top tips to getting more out.
Combo Insurance FAQs
What is a Car and Home Insurance combo?
Combo Insurance is exactly what it sounds like: multiple insurance products, typically Car Insurance, Home Contents Insurance and Building Insurance, that are bundled in one policy. Instead of taking out cover with different insurers and potentially creating gaps (or overlaps) in your cover, Combo Insurance allows you to combine your cover. Depending on the insurer, bundling multiple insurance products can also result a cheaper premium.
Differences between Buildings and Home Contents Insurance?
Both fall under the umbrella of Home Insurance, however, they are two different products. Building Insurance covers the structure of your home, such as walls, roof, floors and fixed fittings. Home Contents Cover protects what’s inside it, such as furniture, appliances and valuables. Building Insurance covers the structure, while Home Contents Cover covers your belongings.
What does Comprehensive Car Insurance cover?
Comprehensive Car Insurance is the most complete level of vehicle insurance available. It covers theft and hijacking of your car, accidental damage to your vehicle, fire damage and damage caused to other vehicles or property in an accident. Many comprehensive policies also include emergency assistance and towing as standard. It's the right cover if you want full protection for your own vehicle, not just cover for damage caused to others.
Does Home Contents Insurance cover theft after a break-in?
Most comprehensive Home Insurance policies do cover theft following a break-in. However, it could affect the cost of your premium or some limited cover options may exclude theft or attempted theft, which means you'd pay out of pocket for stolen belongings. Always check your policy schedule to understand exactly what your insurer will and won't pay out on. If your home has security features like an alarm, burglar bars or electric fencing, these can positively influence your cover options and premium.
Can I insure my Car and Home Contents under the same policy?
Yes, that's exactly what Combo Insurance does. Rather than managing separate policies with different insurers and payment dates, you consolidate your Car Insurance, Home Contents Insurance and Building Insurance under one policy. Using a single insurer for multiple products can also reduce gaps or overlaps in cover, simplify your monthly cash flow and may come with added benefits and a lower premium, depending on your insurer.
How do insurance claims work for Combo Cover?
The claims process depends on your insurer, but in most cases you can submit a claim through your insurer's app, website or by calling or emailing their claims department. For Car Insurance claims, you'll typically need details of the accident or incident, a case number if theft is involved and your policy number. For Home Insurance claims, you'll need to document the damage or loss, as well as a case number if theft was involved. Another benefit of bundling is that some insurers offer streamlined claims processing across all your products through a single service channel.
Do I need Building Insurance if I rent?
Building Insurance covers the physical structure of your home, including the walls, roof, floors and fixed fittings, against damage caused by fire, natural disasters, storms and other insured events. If you own your home and have a bond, your bank will almost certainly require it as a condition of your home loan. If you rent, Building Insurance is your landlord's responsibility - which is why it is offered as a separate insurance product. As a tenant, what you need is Home Contents Insurance to protect your own belongings as your landlord's policy will not cover your personal property.
Compare more than just Combo Insurance
With Hippo we make it easy to find great deals across multiple products.
Funeral Cover
Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.
Personal Loans
Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.
Medical Aid
Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.
Car Insurance
Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.
Medical Gap Cover
Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.
Medical Insurance
More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.
Business Insurance
Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.
Travel Insurance
Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.
Life Insurance
Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.
Building Insurance
Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.
Home Contents Insurance
Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.
Motorbike Insurance
Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.
Pet Insurance
Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).
Travel Insurance
Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.
Home Fibre
Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.
Motor Warranty
Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.
Scratch and dent cover
Covers minor cosmetic damage to your vehicle without affecting your Car Insurance claims record. Compare plans to keep your car looking good without paying out of pocket.
Tyre and Rim cover
Covers the cost of repairing or replacing damaged tyres and rims. Compare plans to find affordable cover that protects you against one of South African motoring's most common expenses.
Motor Warranty
Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.
Service Plans
Covers the cost of scheduled vehicle maintenance, including parts and labour. Compare service plans alongside your Car Insurance for a complete picture of your motoring costs.
Vehicle Tracking
Helps protect your vehicles by assisting with recovery in the event of theft. Many providers also use Vehicle Tracking to flag when your vehicle is in an unfamiliar area.
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*Based on independent research by Kaufman Levin & Associates 2025.
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