Car Insurance South Africa 2026
Naked Insurance
Naked Insurance
Car Insurance
South Africa's app-first insurer. Transparent pricing, no-claim cashback, and a genuinely different model.
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South Africa's app-first insurer. Transparent pricing, no-claim cashback, and a genuinely different model.
Compare our panel →Fully app-based — quote, manage, claim entirely on your phone
Transparent fee model: Naked takes a fixed slice; surplus goes back to policyholders
Instant cover activation and cancellation
Strong reputation among tech-savvy younger drivers
App-only model suits digital-native users; less accessible for non-smartphone users
Newer brand — shorter claims track record than established players
Not on the Compare Car Insurance quote panel
Naked Insurance launched in South Africa in 2018 as the country's first fully digital insurer. Built mobile-first, Naked lets you get a quote, activate cover, and submit a claim entirely through its app — without speaking to a human if you don't want to. It is underwritten by Hollard and backed by institutional investors including International Finance Corporation.
You can get a quote directly from Naked at naked.insure.
Naked operates on a transparent fee basis: it takes a fixed percentage of your premium to cover operating costs and profit. The remainder is held in a claims pool. At year-end, any surplus in the claims pool that wasn't used for claims is donated to a charity of the policyholder's choosing — rather than retained as insurer profit. This structure is designed to remove the conflict of interest between paying claims and generating profit that exists in traditional insurance models.
Naked also offers CoverPause: if you are parking your car for an extended period, you can pause accident cover (keeping theft and fire cover active) and pay a reduced premium for that period. This is unique in the SA market.
Naked is best suited to drivers who are comfortable managing insurance entirely through an app, value transparency in how their premiums are used, and are attracted to the no-frills digital model. Its pricing is competitive for lower-risk profiles and newer vehicles.