Car Insurance Providers in South Africa

Car Insurance Providers in South Africa

Hippo

Not an insurance company, but a quotes provider. Gives clients up to 17 quotes on the requested car model, allowing for the client to compare the quotes side to side and make an informed decision. This helps as the client does not need to go all the insurance companies websites, but simply get a quote from Hippo just by filling out a form.

MiWay

One South Africa’s most sort after insurance companies. One of the things that makes MiWay so popular is that they offer rewards on their policies, whether a client claims or not. MiWay also promises its clients fixed car insurance for at least 3 years.

As a car insurance provider, they offer 3 main types of policies. These are comprehensive cover; third party and theft and third party only. Unlike other providers, MiWay gives its clients the privilege to select how much their vehicle should be insured for.

Discovery

Discover a whole world of car insurance with Discovery. In their words, “Discovery Insurance has a client-centric approach that drives the way they conduct their business.” They offer 3 cover options. Comprehensive which is the widest form of car insurance cover, which covers the clients car as well as third parties even in the event of an accident. Third party, theft and fire, will cover the damages caused by theft, fire, and other natural disasters. Third party only covers a client if the accident that they cause leaves them legally liable to pay compensation for damages, legal costs or medical expenses.

Overall benefits, regardless of the car insurance policy include, towing, smartphone app, recovery of keys, locks and remote controls; delivery of the stolen vehicle; recovery after hijacking or theft.

Outsurance

Well known for their catch phrase, “You Always Get Something Out” Outsurance is also one of South Africa’s most popular car insurance companies. Part of the benefits that come with buying an insurance policy from them are, 10% of insurance premiums back if you do not claim in three years.

They offer two types of car insurance, comprehensive cover and essential car insurance. Comprehensive covers basically everything, whereas essential cover, clients can choose between a combination of theft, liability and accident.

Momentum

Momentum offers three main types of car insurance, comprehensive cover, limited or third party. Cars are insured under retail value, clients also have the option to insure under market value. The cover also comes with 24/7 emergency road side assistance. Premiums are fixed for a year.

Momentum also offers commercial, trailer, caravan or light delivery vehicle insurance.

Budget

Launched in 1998, Budget Insurance aims to provide low budget and low premiums for short term insurance premiums. Budget Insurance is part of the Telesure Group which includes: 1Life Direct; 1st for Women; Auto and General; Dial Direct; Hippo Insurance; AA Insurance.

Budget Insurance offers a wide range of low budget and low premium cover policies. They also offer cover for small possessions as well. They offer the typical insurance cover policies. They have comprehensive cover, third party, fire and theft and third party only.

AA

AA has been in the car insurance business for over 80 years. The car insurance providers offer three types of insurance options for clients. Comprehensive vehicle insurance, third party, fire and theft and third party only. Their cover also includes accidental damage, theft, hijacking, damages caused to third party property as well as accessories. Their cover also gives the clients the option to claim accident damage, as well as damage caused to you by other parties. Part of package includes towing, storage, car hire as well discounts.

Alexander Forbes

Alexander Forbes South Africa is also among the leading car insurance names in Mzansi. They offer a wide range of policies that can be paid monthly or annually as a lump sum. Depending on the security features of the car, clients can be given discount premiums. Alexander Forbes also gives the clients the option of increasing excess in exchange for reduced premiums. The car insurance company offers new vehicle replacement in the event of loss within the first 12 months. Third party cover is also included in the car insurance options.

Dial Direct

Dial Direct is an online car insurance providers. Being online eliminates all the paper work that is involved with insurance purchases. Another advantage of this car insurance company is that there are no broker so clients dial directly to get assistance.

Car insurance policies that can be taken under Dial Direct include comprehensive cover, third party, fie and theft and third party only. Clients are also given the option to purchase insurance for car’s sound system.

Hollard Insurance

Hollard Insurance is South Africa’s largest privately owned insurance company. Here are few reasons that make Hollard Car Insurance one of the most sort after insurance company. They offer their clients an accidental death coverage of up to R10 000 000, for third party liability cover. 24 hour emergency assistance by phone. They have optional coverage for car rentals, loss caused by fire, explosion, as well as natural disasters.

ABSA

ABSA is not only a leading name in banking but in car insurance as well. They offer three types of policies for their clients and these are comprehensive cover, third party and theft as well as third party only.

The terms and conditions of each of these policies are different. The overall benefits regardless of the policy taken include 24 hour access to roadside and medical assistance.

Auto and General

Auto and General was established in 1985 and generally focuses on short term insurance. They offer 3 main insurance policies: comprehensive cover, third party fire and theft, and third party only.

Policies for comprehensive cover and third party fire and theft come with a few more benefits at no cost. Entertainment assist, Medical assist, Road assist, Accident assistance covers and Trauma assist. These are however not available for third party only.

1st for Women

Established in 2002, 1st for Women is an insurance company that specifically deals with the insurance needs for women. These include life as well as car insurance.

They offer 3 main policies, these are comprehensive cover, which is inclusive cover. This policy comes with medical costs up to R500 in an accident, towing as well as an excess cover of up to R20 000 000.

3rd party, fire and theft covers the third party should you cause an accident. Your vehicle is however not covered. It also covers damages caused by fire as well as natural disasters. Third party only covers damages that you caused to a third party. The clients car is not covered at all. With a small additional fee, 1st for Women can cover medical expenses of up to R500.

Zurich

The company was officially opened in 1965. Zurich offers various car insurance policies from individual to commercial to cooperate level. A few of the polices offered cover farmers, marines, car insurance among other policies. One of the advantages of Zurich is that they offer tailor made car insurance for their clients. This means that individual has different set of polices from the one. The car insurance that is offered by Zurich is comprehensive cover. A few of the benefits include car replacement if the vehicle is written of or stolen within the first year of registration. They also offer replacement of keys and locks of up to about R5 000 as well as a standard car hire.

1. iWyze (Old Mutual)
2. Santam
3. Prime Meridan
4. FNB
5. Standard Bank
6. Mutual and Federal
7. Affinity
8. NedBank
9. King Price
10. Regent
11. Sanlam
12. Virgin
13. Unity
14. Anderson
15. WoolWorths
16. Infinity
17. Liberty
18. Oakhurst
19. Western National
20. Aon
21. Sau
22. Amsure
23. PSG
24. Winchester
25. Unison
26. Warwick
27. New National
28. Quicksure
29. Prosper
30. Llyods
31. Amway
32. Frank
33. Capitec

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