Naked does not work, think or make money the way traditional insurers do.

Often to get something right, our head and heart need to work together.

people, dog, standing together.
desk, lamp, laptop, computer and booksdesk, lamp, laptop and books

Naked’s revolutionary business model does just that, and in doing so, breaks the age-old cycle of distrust between insurers and their customers.

Unlike other insurance, we charge a fixed percentage of your premiums to do everything. No hidden fees or hidden agendas (that’s why we’re called Naked!). Our flat fee means that our income doesn’t depend on how much we pay out in claims, so we have no reason to make claiming difficult.

When claims are low, premiums left over at the end of the year go to causes you care about, supporting positive change in South African communities, rather than growing insurance company profits.

That’s the Naked Difference and it changes everything about insurance.

Naked Causes

You get to choose where your Difference payment goes.

Baby Box

Baby Box

The Baby Box Project is a response to the desperate need seen in public hospitals, where mothers of newborns were often taking their babies home in old t-shirts or towels. The Baby Box Project fills hampers with new baby clothes, toiletries and other necessities, and personally delivers these hampers to needy moms of newborns, in partnership with registered social workers of public hospitals in South Africa.



CHOC is a non-profit organisation working to support children and teenagers diagnosed with cancer or life threatening blood disorders and their families. CHOC aims to save lives through early detection and making the journey of those who are affected by childhood cancer less burdensome through the comprehensive support programmes we offer.



JAM is dedicated to helping vulnerable children and communities across South Africa. They feed children in pre-schools and increase food security by empowering families and individuals. Their programmes meet the immediate needs of malnutrition and address development through multi-level training and extensive agricultural programmes. JAM will not rest until they realise a South Africa without vulnerable people. Children deserve a better future!.

Kolisi Foundation

Kolisi Foundation

The Kolisi Foundation was founded by Siya and Rachel Kolisi with a vision to change narratives of inequality in South Africa. The foundation’s mission is shaped around three programmatic areas: Food Security, Gender-Based Violence, Education and Sports Development to support people living in under-resourced communities.



Surfpop builds a sustainable future for children from disadvantaged communities through a powerful formula of surfing, education and nutrition. They aim to give the children the best chance at living life to the fullest, guiding them towards sustainable employment after school to lift themselves out of poverty and positively impact their community.



TEARS offers 24-hour, national, assistance for victims of gender-based violence. We help people in their moment of trauma, regardless of their age, race, gender, religion, or economic status. Our assistance is diverse, from working on exiting a dangerous relationship to helping to obtain a Protection Order, opening a police case and long-term counselling – ensuring their safety is our first priority.

The Beach Co-op

The Beach Co-op

The Beach Co-op focuses their efforts on conservation at community and ecosystem level to ensure individual and community investment in protecting and regenerating ocean health. Their beach clean-ups are designed as an experiential learning process where the issues related to plastic and their impact on marine environments are understood through hands-on experience.

Child picking crayons


Cotlands is a non-profit early childhood development organisation addressing the education and social crisis by establishing early learning playgroups and toy libraries in under-resourced communities to serve vulnerable children aged birth to six.

Schoolgirl carrying textbooks

Christel House

Christel House transforms the lives of impoverished children at their non-profit school in Cape Town, breaking the cycle of poverty and building self-sufficient, contributing members of society. Robust education and a strong character development programme are complemented with regular healthcare, transport, nutritious meals and guidance counselling.

Baby smiling

Door of Hope

Door of Hope cares for abandoned babies, finding homes for them and making sure they are loved for however long it takes. Our strong desire is to save children and help them to not only survive, but to thrive.

Child planting tree


The Greenpop Foundation is a registered NPO who works to restore ecosystems and empower environmental stewards through reforestation, urban greening, sustainable development, and environmental art projects across Sub- Saharan Africa. Since its inception in 2010, Greenpop has planted over 115,000 trees.

Children posing with soccer ball

Living Legends

Living Legends was created to contribute to the improvement of South African communities who are negatively affected by poverty and unemployment. We implement sport and life skills amongst the youth with the aim of improving their decision-making and skills.

Dog adoption

Oscars Arc

The WOOF Project is a pop-up dog adoption initiative, developed by Oscars Arc, aimed at accelerating dog adoption by providing an unrivalled dog adoption experience. The pop-up was developed to transform the lives of shelter dogs by taking them to the people. Since its inception in March 2017, WOOF Project has successfully homed 2254 dogs.

Walking in nature

Jozi Trails

Jozi Trails develops, maintains and protects public nature trails in the Joburg metro. The main trail is the 37km long Braamfontein Spruit, one of the world’s largest urban forests. This natural resource is a major asset for outdoor leisure, health and education used by thousands of cyclists, runners, walkers and other community members. Jozi Trails work to ensure that the trails are clean, accessible and safe and work to involve all communities in helping conserve green spaces.


We use automated 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 our app :-). If you have an emergency, the app will help you to call for help. For normal claims, Jade, our Naked claims bot guides you through the simple process and will ask you some questions. He can approve some claims instantly; for others, someone will call you back to get more detail.