Insurance
Compare Car Insurance in South Africa
Explore South African car insurance providers, compare cover options, understand premiums and excesses, and review important policy exclusions before choosing cover.
Premiums, excesses, contributions and cover depend on your circumstances and the policy or scheme rules. Confirm the final terms before you buy. Information checked 29 October 2026.
Compare providers
The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not a quote and not an application.
10 of 10 products, in provider name order. A missing premium, contribution or excess is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.
Auto & GeneralCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Brand / distribution; verify issuer in policy
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Motor and home options including selected higher-limit plans
- Official premium cover materials describe optional add-ons
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Budget InsuranceCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Brand / distribution; check insurer in quote
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Multiple motor cover levels
- Buildings and home contents products included in product documentation
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Discovery InsureCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Car, buildings and contents offering across plan levels
- Home cover provides home-assistance and valuables options on selected plans
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
King PriceCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. King Price Insurance; licensed insurer, FSP claim on brand page That number is copied from the recorded provider page. WiT Money has not checked it on a register.
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Publishes car, buildings and contents product information
- Different motor premium model; check eligibility and annual review
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
MiWayCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Published car cover levels from third-party to comprehensive
- Flexible car excess/cover selection described
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Momentum InsureCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Momentum insurance group; confirm contracting insurer
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Official car, building and contents quote information
- Select cover has optional extensions and emergency assistance features
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
- Naked. No official logo is shown.Naked
Car Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Platform/brand; official site states Hollard Specialist Insurance underwriting
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Digital quote, policy management and claims
- Officially describes car, buildings and contents cover
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
OUTsuranceCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. OUTsurance Insurance Company Limited identified in official documents
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Official product document library covers motor and home
- Direct-to-consumer quote and servicing options
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
PineappleCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Platform/FSP; official site states Old Mutual Alternative Risk Transfer Insure underwriting That number is copied from the recorded provider page. WiT Money has not checked it on a register.
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Digital car quotation and contents access
- Official disclosure identifies underwriting entity
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
SantamCar Insurance cover / quote
Insurer / brand / intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Licensed insurer / insurer group; confirm exact issuer
What the product line describes. Comprehensive; third-party/fire/theft; third-party only where plan offers; towing/roadside, car hire and credit-shortfall may be optional
Advantages
- Multi-line personal insurance brochure describes motor and property cover
- Broad building and household contents risk categories
Considerations
- Excesses, theft/security conditions, driver restrictions and vehicle value basis may differ
- Third-party cover does not protect your own vehicle like comprehensive cover
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Compare selected products
Choose up to three from this page. A missing benefit is not treated as excluded. Confirm it in the wording.
No products selected.
Not shown as a current product
- 1st for Women. Car Insurance cover / quote. Confirm with the provider before treating it as available.
- Dialdirect. Car Insurance cover / quote. Confirm with the provider before treating it as available.
- dotsure.co.za. Car Insurance cover / quote. Confirm with the provider before treating it as available.
- Old Mutual Insure. Car Insurance cover / quote. Confirm with the provider before treating it as available.
- Hollard. Car Insurance cover / quote. Confirm with the provider before treating it as available.
Estimate your insurance cost and claim excess
Type the amounts you want to test. The result uses those amounts only. It does not fetch a quote, and it does not decide a claim.
How to read this comparison
Comprehensive cover can include damage to your own vehicle as well as liability to other people, on the wording of that policy. Third-party, fire and theft is a narrower set of events. Third-party only is about liability to other people, and it does not replace cover for your own car. Insurers do not all use these names in the same way, so the schedule decides what is included.
An excess can be a fixed rand amount, a percentage, or both, and more than one excess can apply to the same claim. A young driver, an unnamed driver, theft or a windscreen can each add an excess. A lower monthly premium is not proof of a lower excess. This page does not print a rand premium or a rand excess unless the product line already states one.
Comprehensive cover is the policy most financed cars must have. It can pay for damage to your car, theft, and your liability to other people, subject to the excess and the exclusions. Third-party-only cover pays for the harm you cause to other people, not for your own car.
The premium is a price for a contract. The contract is the schedule and the wording. WiT Money does not publish a monthly premium until it is a real, dated example from an insurer, and even then it is not your quote. Your age, address, claims and security change the price.
How the cover works
The schedule
It names the car, the regular driver, the use, the sum insured, the excess and the extras such as car hire. If your son drives the car every day and is not the regular driver, say so. Non-disclosure is how claims are refused.
The excess
The excess is the part you pay. There can be a basic excess and extra excesses for young drivers, named events or a first claim. A low premium with a huge excess is a different product.
Claims
You report the incident, often within a short time, and the insurer chooses repair or payment under the wording. A tracking device, if it was a condition, has to have been fitted and working.
What to check
Cover
Comprehensive, third party, fire and theft, or third party only.
Excess
Every excess that would apply to you, in rand.
Use
Private, business, or e-hailing. E-hailing is often excluded unless you bought it.
Insurer
The underwriter on the schedule, which may not be the brand that sold it.
FSCA
The insurer or FSP, checked before we describe them as authorised.
Risks
- Driving for a purpose the policy excludes.
- An undeclared regular driver.
- Leaving out a modification or a tracker that was a condition.
- Assuming third-party cover will fix your own car.
Claims and complaints
Report a claim to the insurer, scheme or administrator named on your documents, in the way the policy or scheme rules describe. WiT Money does not decide the claim. If you have complained to that organisation and you are still not satisfied, the National Financial Ombud Scheme handles certain financial complaints, and the Council for Medical Schemes handles medical scheme complaints. Take the policy schedule, the rejection letter and the claim documents with you.
How WiT Money compares these products
Products stay in provider name order. A car excess, a funeral benefit, a medical scheme contribution and a pet plan are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the policy. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark. An FSP number or a scheme registration number is not printed unless the recorded page already states it, and it is not a register check by WiT Money.
Questions readers ask
Is third party enough?
It covers your liability to others, not your car. If the car is financed, the financier will almost certainly want comprehensive cover. If the car is old and paid off, third party can be a considered choice. It will not replace the car.
Why did a comparison site show me a lower price?
Because it used different assumptions. Your quote depends on the risk you actually present. Compare schedules, not banners.
Do you take commission on car insurance?
No referral is active. If one is added later it will be labelled, and it still will not be your quote.
Related products
Guides
Other insurance pages
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- SASRIA
SASRIA SOC Ltd · checked 29 October 2026
- National Financial Ombud Scheme South Africa
National Financial Ombud Scheme South Africa · checked 29 October 2026