Back to blogUpdated · 1 min read


The South African Special Risks Insurance Association (Sasria) is a government-owned, non-life insurer that covers a number of special risks that other insurers are not allowed to cover.

What does Sasria cover?

Sasria provides special risk cover, against loss or damage caused by politically motivated malicious acts, riots, strikes, terrorism and public disorder, to all individuals and businesses that own assets in South Africa, as well as government entities.

Is Sasria cover automatically included in my car and home insurance?

Sasria does not sell directly to the public but they rather partner with other non-life insurers and the broker market to add their product onto insurance products, like comprehensive car, home and contents insurance. However, it is always best to double check with your insurer that Sasria cover is included.

How much Sasria cover do I have?

If a specific event is covered by Sasria the amount of cover you have will be exactly the same as what you have under the car or home policy that it was added to. For example if your home is insured for R2-million with your insurer, it will also be covered for that amount if it is damaged as a result of something that is covered by Sasria.

You might also like



A pre-inspection (or selfie in Naked terms) is when you have to show your insurer the item that you have insured.

1 min read

Wear and tear

Wear and tear is damage to an item that is caused over time through use. For example, every time you drive your car the tread on your tyres slowly wears down. Wear and tear is usually not covered by insurance policies or warranties.

1 min read

Trade-in value

Trade-in value is the amount a car dealership would pay you for your car if you were to trade it in. This is usually the lowest of the three values for which you can insure your car.

1 min read