Budget insurance

About Budget insurance

At Budget Insurance, we know it’s hard to budget. The cost of living goes up and up while your bank balance goes down and down. But just because your budget’s a little tight doesn’t mean you should have to go without cover. Rather switch to an insurer that gives you a range of choices, so you can get the cover you need without breaking the bank.

With insurance options for Car, Home, Buildings, Portable Possessions, Life, and Business – and one of SA’s lowest insurance quotes* – you CAN budget. And, when you take out cover with us, you get a whole bunch of benefits such as accident and home assist, discounts for bundling, and more!

Affordable, ‘cos you can’t afford not to.

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Our products

We want to see everyone in South Africa insured so they’re never stuck without cover when something goes wrong. That’s why we have a wide range of insurance types to make sure you get only what you need and don’t waste your budget on things you’d never use.

With our Car Insurance, you can take Comprehensive, Third-party, Fire and Theft, or Third-party Only. And, if our standard Car Insurance options aren’t right for your car, we’ve also got Budget Lite, limited cover,  for paid off cars valued under  R100k.

You can also get affordable cover for Motorcycle, Caravan, Trailer, Watercraft, Home Contents, Buildings, Portable Possessions, Business, Life, and an array of value-added products.

Plus, if your budget is a little too strapped, you can take out a Personal Loan with us.

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Our benefits

Get cover with us and we’ll give you benefits that boost your cover without wrecking your budget.

If you add our Cash Back Bonus, you’ll get 15% back after only two claim-free, years. Two more claim-free years and you’ll get 10% back. It doesn’t end there, though you’ll get 10% back every claim-free year after that!

With our Car, Home Contents, and Buildings Cover, you also automatically get our Assist Benefits for your road, home, medical, trauma, legal, and entertainment needs. So whether you need an emergency plumber or roadside assistance, we’re here to help you.

Our Expo-Sure benefit ensures you and your family can get confidential HIV  testing and treatment after accidental exposure.

If you’ve got our Business Insurance, you can bet on our Biz Assist benefit, where you automatically get free 24/7 online and telephonic support for your business and access to a network of suppliers to give you the best deals.

Nice, hey?

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Budget beaters

Even with all that, we know it’s still hard to budget, so we’ve got a few extra things that will make sticking to your budget a breeze. Like, if you switch your car insurance to us, you can save up to R408pm*!

And, if you insure multiple items, we’ll give you discounts – bundle your car, home contents or building cover and save! We’ve got insurance options for every budget, ‘cos you can’t afford not to be covered!

Business insurance

We cover tradesman, professionals, guesthouses, funeral parlours, retailers, beauty salons, shuttle services, delivery services and so much more! 

Business legal expense

Cover for legal expenses when defending labour-related proceedings and civil matters relating to contractual and non-contractual disputes.

Specialised liability 

Directors and Officers

This product provides coverage to directors & officers for legal liability arising from claims or lawsuits filed by shareholders, regulators, employees and others.

Errors and Omissions

This product covers you if you are found legally liable to pay damages and expenses to one of your clients because of your negligence in performing work for them which causes them financial loss.

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*Based on 2020 independent research. Claim based on 2020 independent research. Terms and conditions online. Budget Insurance is an authorised financial services provider (FSP license number: 18178). Long-term policies underwritten by 1Life, FSP: 24769.