SA's Best-rated Insurance

Looking for car insurance but don’t know where to start?

Car insurance is a critical safeguard that ensures both you and your vehicle are protected against unforeseen risks on the road. Whether it's an accident, theft, or damage, having the right car insurance policy can provide peace of mind and financial security.

The three types of car insurance policies

Comprehensive car insurance

This is the most extensive coverage option available in South Africa. It offers financial protection for your vehicle against a wide range of risks, including collisions, theft, fire, and natural disasters. With comprehensive car insurance, you can drive with confidence, knowing that whatever happens, you and your car are financially safeguarded.

Striking a balance between third-party fire and theft

Third-party fire and theft cover is a valuable car insurance option that strikes a balance between basic liability protection and the more comprehensive coverage discussed above. With this policy, you'll have essential third-party liability coverage, ensuring you can compensate others for damages or injuries resulting from an accident you're responsible for. 

Additionally, it protects your vehicle from loss due to fire damage or theft. While it may not cover all the risks of comprehensive insurance, third-party fire and theft cover offers peace of mind for drivers who want essential protection without the higher costs.

Basic cover with third-party-only cover 

While third-party car insurance doesn't cover damages to your own vehicle, it provides liability protection against claims from third parties involved in an accident that you're responsible for. Third-party insurance ensures you can fulfil your financial obligations to others in case of an unfortunate incident.

How much is car insurance in South Africa?

Premiums are influenced by various factors, such as the make and model of your vehicle, driving history, age, and where you live. In addition, the level of coverage that you choose to be comprehensive, third-party, fire and theft of third-party only will also affect your premiums.

Comparing car insurance quotes 

Choosing the right car insurance policy is a decision that deserves careful consideration. Reading the fine print and understanding the policy's coverage and exclusions is crucial. Additionally, checking the insurer's reputation for efficient claims processing and customer service can make a significant difference in your overall experience.

It's essential to shop around and compare quotes from different insurers to find the best coverage at a competitive price that suits your needs and budget - and that’s exactly what we’re here to help you do!

List of direct providers offering Car Insurance in SA

Exploring home contents cover: What's included and why you need it

Home contents cover offers protection and security for your treasured belongings. With this type of cover, you can face the uncertainties of life with confidence, knowing that your home and possessions are well-guarded.

What is covered by home contents insurance?

Home contents cover is an insurance policy designed to protect your personal belongings and possessions within your home.

From furniture and appliances to electronics and jewellery, this type of insurance ensures that your treasured items are financially protected from damage, loss, or theft. It provides you with the confidence of knowing that even in the face of unforeseen incidents, your cherished possessions will be replaced or repaired without significant financial strain.

Comprehensive protection for your belongings

Comprehensive cover offers the most extensive protection, covering a wide range of risks. This includes coverage against theft, burglary, fire, flooding, storm damage, and even accidental damage. With this all-inclusive policy, you can rest assured that your possessions are safeguarded against a multitude of potential threats, offering peace of mind for you and your family.

Extended and optional coverage available

Home contents insurance often offers optional coverage options to provide additional protection for movable possessions, technology, and high-value items.

• All-risks coverage: Extends protection to include accidental damage for portable technology devices.
• Specified Item Coverage: Adds specific coverage for high-value items like jewellery, art, and antiques.
• New-for-old replacement: Replaces damaged or stolen items with brand-new equivalents regardless of age or depreciation.
• Extended coverage for outdoor belongings: Protects items stored outside, such as garden furniture and sports equipment.
• High-tech equipment coverage: Specifically designed for sophisticated home entertainment systems and high-end audio equipment.
• Moving and transit coverage: Provides protection during house relocation or when items are in transit.

List of direct providers offering Home Content Insurance

Life insurance is an invaluable financial tool - and here’s why

Life insurance is a fundamental financial tool that provides a safety net for your loved ones in the event of your passing.

It not only provides financial protection but also offers peace of mind, knowing that your family will be taken care of in the event of the unexpected. It can serve as a crucial tool in estate planning, ensuring a smooth transfer of wealth to your beneficiaries without unnecessary financial burden or complications.

Life cover in a nutshell

By paying regular premiums, you create a financial cushion that will be activated upon your passing. This will be in the form of a lump-sum payout to your designated beneficiaries. This payout can be used to cover various expenses, including home loan repayments, living costs, school or university fees, and other financial obligations. This ensures that your loved ones can maintain their standard of living even in your absence.

Three types of life insurance cover available to you

1. Term life insurance provides coverage for a specific term or period, offering a more affordable option for individuals seeking temporary financial protection.
2. Whole life insurance, on the other hand, provides lifelong coverage and often includes a savings or investment component, offering potential cash value accumulation over time.
3. Endowment life insurance combines insurance coverage with an investment element. It pays out a lump sum at the end of a specified term or upon the insured's passing, providing both protection and a potential savings component.

How your life insurance premiums are calculated

Life insurance premiums are typically influenced by factors such as age, health condition, lifestyle choices, and the desired coverage amount. Evaluating your current financial situation and long-term goals when choosing a life insurance policy is essential to ensure it aligns with your family's specific needs and budget.

Choosing a life insurance provider and policy

When selecting a life insurance policy, it's vital to work with reputable insurance providers who can offer tailored solutions to meet your unique requirements. We’ve collected all the leading life insurance providers to help speed up this process.

List of direct providers offering Life Insurance

Medical aid in South Africa: Your gateway to quality healthcare services

Access to quality healthcare is vital for a healthy and secure life, and that's where medical aid steps in. It’s a vital investment that ensures you and your family have access to quality healthcare services and treatments. It offers financial security and peace of mind, enabling you to face life's health challenges with confidence.

How does medical aid work?

Medical aid is a private healthcare scheme that provides financial assistance for medical expenses. By paying a monthly premium, you gain access to a network of healthcare providers, medical facilities, and specialists.

Types of medical aid plans available

Medical aid plans vary in coverage levels, ranging from basic hospital plans to more comprehensive options that include both hospital and day-to-day benefits.

Medical aid versus hospital plans

Comprehensive medical aid plans offer the most extensive coverage, encompassing hospitalisation, chronic medication, and a wide range of day-to-day medical services such as doctor's visits, specialist consultations, and prescribed medications. With this level of coverage, you can enjoy peace of mind, knowing that your health needs are well taken care of, and that you have the financial support to handle unexpected medical expenses.

Hospital plans typically focus on providing coverage for in-hospital treatments and procedures. These plans may be more affordable than comprehensive options but offer limited coverage for day-to-day medical needs. It's essential to carefully assess your medical needs and budget to choose the most suitable plan that meets your requirements.

Additional benefits, features and optional extras

Medical aid membership benefits extend beyond just financial coverage; many schemes offer additional value-added services, such as wellness programs, preventative care, and access to specialised networks of healthcare providers. These services focus on promoting a healthier lifestyle and preventing potential health issues, contributing to your overall well-being.

How to choose a medical aid 

When selecting a medical aid plan, consider factors such as the network of healthcare providers, waiting periods, exclusions, and whether pre-existing conditions are covered. It's crucial to understand the plan's terms and conditions to make an informed decision that aligns with your specific health needs.

List of direct providers offering Medical Aid

Finding the right funeral policy for your needs and budget

A funeral policy is more than just a financial safeguard. It's a profound gesture of love and care for your family's well-being after you're gone.

What is funeral cover? 

Funeral cover provides financial support to families during times of loss. In the event of the insured person's passing, a lump-sum payout is made. This will help cover the costs associated with arranging a dignified funeral. These may include repatriation, a casket, transportation, catering, and other funeral-related costs.

What are the typical waiting periods? 

While a waiting period of 6 to 12 months may apply for natural causes of death, it's a small sacrifice for the long-term protection it brings. Additionally, after 24 months of having a funeral cover policy, even suicide is covered.

What is the best funeral cover in South Africa?

Selecting the right funeral policy is a crucial decision that warrants careful thought. Comparing benefits, features, cover amounts, and premiums among the top funeral cover providers in the country will empower you to find the best funeral cover in South Africa.

But keep in mind that it's not solely about the numbers. It's also about entrusting your family's future to a reputable funeral cover provider, renowned for exceptional customer service and timely claims payout.

With a funeral policy in place, you can find solace in knowing that your loved ones will be cared for when you're no longer around. Explore the array of options available to you below and make the best possible decision in just a few minutes.

List of direct providers offering Funeral Cover