No-nonsense car insurance in just a few taps

Underwritten by Hollard

One flat excess

Choose an excess to fit your pocket. No hidden excesses when you claim.

No admin/joining fee

Rose works 24/7 and won’t charge you a fee when you join.

Complete coverage

Full comprehensive cover. For accidents, thefts, hail storms and more.

Comprehensive coverage

Accidents, theft & hijacking, weather damage, fire, damage to others and more are covered by our comprehensive car insurance. Find the full details in our policy wording.

Retail value

Cover up to the typical selling price of a car like yours. You have full cover from the start — no waiting periods.

24/7 Roadside assistance

Stuck on the side of the road and need a tow truck? We’re on it. Includes flat battery and fuel assistance.

Other drivers

Drivers other than the regular driver are covered. Of course they need your permission and a valid driver’s licence.

Simple steps. Instant cover.

car insurance quote in app


Get your final quote in 90 seconds

Paying the right premium? Chat to Rose and find out instantly.

car insurance excess


Customise your quote

Choose your excess and start date. Add car hire if you want and cover for any extra items.

buy car insurance on the app


Get covered instantly

Add your card to activate your car insurance cover instantly or choose a future start date.


Let’s help you cancel your existing cover

We know it's a hassle, so let us help you cancel your current insurance policy.

car insurance when parked

Save up to 50% of your premiums with CoverPause®

Not driving your car for a while? Pause your accident cover and stay protected against theft, hail and other stationary risks.

People love Naked

Luke on Hellopeter

03 Nov 2020

This is exactly how insurance should be, simple and easy when needing to make a claim, none of the usual defensive attitude you get when logging a claim which leaves you feeling bad for an accident which you already feel bad about! I really enjoyed the digital process, not needing to fill in any forms or go out and get quotes to repair the damage all of this was handled by naked and some simple technology which we all have in our pockets. All round amazing!

Duduzile M on Hellopeter

22 Sep 2020

From registration, quick and efficient excellent customer service. Even though everything is done on the App they are always available on call and email to assist. Easiest claim experience with compassionate team no hassles at all. I would definitely recommend it.

Chris S on Hellopeter

14 May 2020

These guys are the real deal. I never wait longer than an hour for a response to my queries. Claim was sorted out quickly. After I sent the photos of my damage after a hail storm, they took everything from there and booked my car in for panel beating. No questions asked.

Dominique B on Hellopeter

07 May 2020

Absolutely blown away by this company. It was the easiest process to register with them. Everything is done through AI tech. It feels personal even though you don't speak to anybody. They also made the transition from my previous insurance to their insurance so easy - they emailed me a letter I could just submit to my previous insurance and all was done. I recently submitted a claim for a chipped windscreen - I just has to take a selfie video explaining the incident and take a picture of the chip - everything was processed and I was contacted within 10 minutes to make arrangements for fixing. Admin and hassle free! Thanks guys!

Snow M on Hellopeter

03 Apr 2020

Naked insurance- very progressive in managing client interactions, via automated platforms, today I submitted my claim and it took me less than 10 minutes from processing it online, submission and also receiving the results [approved!!]. So amazing in the insurance history of this country...!!

Tamarin M on Hellopeter

31 Mar 2020

What a great onboarding experience. So painless and HALF the price of my previous insurer. They have even contacted me to offer me a premium pause during COVID. I cannot recommend them enough. The only reason I have not given 5 stars is that I am yet to test their claim experience, but I will be back to let you know if it's just as good. I have a feeling it will be.

Third party insurance from R50pm

If you don't need full comprehensive cover, you can select Damage to Others cover - also known as Third Party Liability cover. You'll be covered for up to R5m for damage to other people's property. Like when you reverse into that Porsche at the shops.

car insurance when parked | pay less when you drive less on your car insurance


When you are not driving, the simple flick of a switch in the Naked app pauses your accident cover and reduces your premium - saving you money. You still remain protected against theft, hail and other stationary risks.

We use automation and AI rather than call centres or brokers to run and manage your policy, which costs us less and translates into lower premiums for you. Don't forget we take a low fixed fee, and Naked OnePrice ensures we'll never charge you more than we should. Overall this means your Naked price could be considerably lower than what you would pay elsewhere. But why take our word for it? It only takes 90 seconds to a get a final price.

Naked is backed by Hollard Insurance, one of the largest short-term insurers in South Africa. They guarantee that all valid claims will be paid. Naked Insurance is also covered by reinsurance with international reinsurers like Munich Re and Scor Re, ensuring that even if disaster strikes - like a hailstorm or a fire - you will be fully covered.

Via the Naked app, where Jade, our Naked claims bot, will guide you through the simple process. If you have an emergency, also just pop onto the app where you can call for help by clicking on the appropriate emergency button.

insurance claim instantly approved

Claiming simplified

Submit your insurance claim hassle-free with AI Jade on the Naked app (Android & Apple). Your claim may be approved in seconds.

Our fixed fee model means we can’t benefit by not paying claims. And leftover premiums go to causes you care about. Learn more about the Naked Difference here.