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.

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.

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.

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.


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.