I've had a great experience with Naked Insurance so far. Their response time is impressive, they reply quickly and handle queries efficiently. The process is straightforward, and everything feels transparent and easy to manage through the app.
Everything car insurance should be.
Fair prices. Fixed excess. Fast claims.
With Naked, you get all that, plus a final quote in 90 seconds, full control of your cover in the app and real humans when you need them.
Authorised FSP 48822
What does car insurance
actually cover?
It covers the unexpected: a crash, stolen car, hijacking, hailstorm, fire, towing bill or damage you cause to someone else's car or property.
Exactly what's covered depends on the type of cover you choose. Want the full breakdown? Check out our South African car insurance guide.
Comprehensive car insurance. The full package.
For most people, comprehensive is the cover you want. It protects your car when things go wrong from dings and dents to total write-offs. Most banks require it for financed cars and Naked's cover is accepted by all the major ones.
Here's what Naked's comprehensive car insurance covers. From R300pm.
Accidents and write-offs
Car theft and hijacking
Fire and weather damage
Damage to others
Retail value cover
Cover for other drivers
24/7 roadside assistance
Optional car hire and shortfall cover
Or get third-party car insurance to cover damage you cause to others.
If you cause an accident, this covers the other person's car or property, but not your own. A good fit if you'd rather not face a big repair bill for someone else's car, and you're comfortable covering yours. From R70pm.
How much does comprehensive car insurance cost?
Premiums in South Africa depend on things like your car, where you live, your driving history, who drives the car most often and the excess you choose.
Here's what some of SA's most popular cars cost to insure with Naked:
2025 Toyota Hilux
from R1536pm*
2025 VW Polo Vivo
from R525pm*
2025 Ford Ranger
from R981pm*
2025 Suzuki Swift
from R507pm*
2025 Toyota Corolla Cross
from R737pm*
Get your final car insurance quote online in 90 seconds.
Get my quote
For a breakdown of everything that affects your car premium, read: How much does car insurance cost in South Africa?
Why South Africans choose Naked for car insurance.
Naked is built for people who want affordable insurance that’s quick to buy, easy to manage and reliable when they need to claim.
Get a final quote online.
Get covered in seconds.
Tell us about your car, answer a few quick questions and get your final price online. Buy on the spot, get covered instantly and send your cover confirmation to your finance provider straight away.
All in the app, any time, day or night.
Simple, really fast claims.
Submit your claim in the app and you'll know exactly what you need to do every step of the way. Simple claims can be approved instantly, with real people ready to step in when you need help.
Save on car insurance
when you're not driving.
With CoverPause®, you can pause the accident part of your comprehensive cover when your car is parked safely at home to save up to 50% on your premium. Turn it back on in the app before you drive.
Don't just take
our word for it.Hundreds of thousands of South Africans trust Naked with their car insurance.
4.8
4.9
4.7
Car insurance questions
people ask most.
If you still want to know more, dive into the Ultimate South African Car Insurance Guide.
What is excess in car insurance?
Excess is the amount you pay when you claim. Choosing a higher excess can lower your monthly premium, but it should still be an amount you could afford if you need to claim.
Read our full guide on excesses: types, amounts and how to choose yours.
What is a car insurance quote?
A car insurance quote is an estimate of what you'll pay to insure your car. It's calculated from details like your car's make and model, its value, where it's parked overnight, how far you drive and your claims history.
Is car insurance compulsory in South Africa?
No. Cover for your car is not legally compulsory in South Africa. But if your car is financed, your bank will usually require comprehensive cover.
Is the online car insurance quote final?
Yes. The quote you see online is your final quote. If you're happy with the price, you can buy your cover straight away.
Can someone else drive my car?
Yes. Naked does not use named drivers. Anyone with a valid driver's licence and your permission can drive your car. Just make sure the regular driver is updated in the app if that changes.
How do I get my car towed?
Open the app and tap roadside assistance, or call us on 0860 995 125. We're available 24/7 to help arrange the car towing and guide you through what happens next.
Read more about roadside assistance and car towing with Naked.
Does Naked Insurance offer credit shortfall cover?
Yes! If your financed car is written off and you owe more than its retail value, shortfall cover pays the difference. Not sure if you need it?
What's the difference between comprehensive and third-party cover?
Comprehensive covers your own car as well as damage you cause to others. Third-party only covers the damage you cause to someone else's car or property. It does not cover damage to your own car.
How do I make a car insurance claim with Naked?
Open the app, tap the ⚠️ icon and select "Make a claim." We'll walk you through everything from uploading photos, sharing details and submitting your claim. For emergencies, call us on 0860 995 125.