A guide to Naked

Anything that risks damage to your home or its fixtures, and needs urgent action. For example, water flooding from a burst pipe, a broken window after a break-in, or damage to a garage door you can’t close. The app is your direct line to us, so don't hesitate to use it.

Open the app, go to your building policy, scroll down and tap “Confirmation of Cover.” You’ll be able to email the proof directly to yourself or your bank.

Yes. If it bursts or leaks and damages your home, that’s covered. The geyser itself is only covered if you’ve added Geyser Boost in the app, which takes care of repair or replacement.

Yes, just make sure your insured amount includes the cost of the system and its installation. You can update this in the app any time. Here’s a quick guide to insuring your solar panels.

Your policy includes you, your partner, and any financially dependent family members living with you, plus up to R10,000 cover for domestic workers.

Your policy protects your property from fire, flood, theft, and other insured events. It covers the permanent structure, outbuildings, driveways, walls and fixtures — basically anything you couldn’t pack up and take with you. Want to protect what’s inside too? Add a home contents policy.

Yup! Just open the app, tap on your building policy, and update your insured amount to match your home’s rebuild value.

Yes, you're covered. If your furry friend gets a bit too enthusiastic, your personal liability cover covers incidents like these.

No. The excess you choose is the one you pay — no surprises or hidden fees.

You’ll need to pay your excess when you claim. It’s your contribution towards the cost of fixing the damage, and we’ll take care of the rest, up to your cover limit.

It means no matter what you claim for, or how many things are affected, you’ll pay just one fixed excess amount. It keeps things simple and predictable.

Yes! Life changes, and your excess can too. Head to the app, select your policy, and adjust your excess amount whenever you like.