I'm buying a car. Does getting Naked make it easier?
Absolutely. With Naked’s simple online process, you can insure your new car in minutes. Get a quote, customise your cover, activate your policy, and send proof of cover to your bank or dealer — all in the app, anytime.
Is Naked accepted by banks/finance houses/dealers?
Yes, Naked’s comprehensive car insurance is accepted by all major banks and finance providers in South Africa. When you buy a car on finance, your bank needs proof of comprehensive cover. With Naked, you can add your bank as an interested party and instantly send them your confirmation of cover via the app.
Does my insurance premium decrease with my car value?
Here's the thing: cars lose value over time, but repair costs still increase over time due to inflation. So while your car may be worth less, the cost to fix it can increase, which is why your premium doesn’t always go down over time.
How does car insurance work?
Car insurance protects you financially if your car is damaged, stolen, or if you’re responsible for damage to someone else’s vehicle or property. It’s about covering life’s “what-ifs.” Here’s everything you need to know about car insurance.
Where do I get help if I am stuck?
For roadside or accident emergencies, you can also call our 24/7 assistance line: 0860 995 125. Or you can pop us an email at help@naked.insure. Our team is always here to help.
I'm moving. How do I change my home address on my policy?
Open the app, select your car, go to the ‘Details’ tab, scroll to the bottom and update your overnight address there.
What happens if I miss a payment?
We’ll try to collect the premium again automatically. You can also pay manually through the app. There’s a 30-day grace period and if the payment isn’t made within that time, your policy will be cancelled.
I need confirmation of my cover. Where do I get it?
Straight from our app. Tap on your car, scroll down to ‘Confirmation of Cover’, and send it to yourself or your bank in a few taps.
Do I need to take my car somewhere for an inspection?
No! That’s the beauty of Naked. You hop onto the app, do your selfie and our team will let you know if we need anything else.
What qualifies as a roadside emergency?
Things like running out of fuel, locking your keys in the car, flat tyres, and breakdowns that leave you stranded. You can request help via the app by tapping the ⚠ icon, or call us directly through the emergency line: 0860 995 125.
How do I take my selfie?
Open the app, select your car, and hit “Go” to start the selfie process. Rose will guide you through each step.
Am I covered for business use when I drive my car?
If you told us during the quoting process that your car is used for work (beyond just commuting), then yes, you’re covered for business use. Just note that commercial use, like courier driving or ride-hailing, isn’t included. You can easily update your usage type in the app under your car’s 'Details' tab.
Read this blog to learn when you might need commercial insurance for your car.
What are ‘Extras’ and are they covered?
Extras are add-ons like upgraded sound systems, tow bars, and mags. You need to list them in the app to make sure they’re covered. You can do this during your quote or anytime after by editing your car’s details in the app.
Can I insure a car if I’m not the regular driver?
Absolutely! During the quoting process, we’ll ask who the regular driver is. They just need a valid licence. If the regular driver changes, update it in the app under your car’s ‘Details’ tab.
What is comprehensive car insurance vs third-party insurance?
Comprehensive car insurance protects your car from accidents, theft, fire, natural disasters, vandalism and more. It also covers damage you cause to other vehicles or property.
Third-party insurance only covers damage you cause to other people’s vehicles or property. Your own car isn’t covered.
How much is my car insured for?
We insure your car for retail value, what it could sell for at a dealership, giving you maximum cover. Some insurers only offer market (less than retail value) or trade-in value (less than market value).
When do you pay excess on car insurance?
You pay excess when you claim, even if the accident wasn’t your fault. If someone else is responsible, we’ll do everything we can to recover the excess from them. For more info, read our article: Car insurance excess: Everything you need to know.
Does Naked have any additional excesses?
Nope. The excess you pick is what you pay, no hidden surprises.
What is CoverPause?
CoverPause® lets you pause accident cover when you’re not driving. You’ll still be protected against things like theft, hail and fire, but your monthly premium could drop by up to 50%. You can unpause cover anytime in the app before you hit the road again.
How does CoverPause billing work?
Here’s how it works:
- On your billing date, we check your cover level. If CoverPause is off, we collect the full monthly premium.
- If CoverPause was active during the billing cycle, we calculate the time it was paused and either:
- - Reduce your next month’s bill, or
- - Issue a partial refund if it makes more sense.