The half-ton bakkie that built a nation of small businesses. Here\'s what it costs to insure.
Compare NP200 quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| NP200 1.6 SR (safety pack) | 2019–2021 | R430 — R680*estimate |
| NP200 1.5 DCi diesel | 2017–2021 | R380 — R620*estimate |
| NP200 1.6i petrol base | 2015–2021 | R285 — R520*estimate |
Estimates based on a Nissan NP200 at trade value R125,000. Low-risk driver profile. Comprehensive cover.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
|
Pineapple
Lowest
|
R212/mo*estimate | R106/mo*estimate | R42/mo*estimate |
| R276/mo*estimate | R138/mo*estimate | R55/mo*estimate | |
|
Momentum Insure
|
R328/mo*estimate | R164/mo*estimate | R66/mo*estimate |
| R356/mo*estimate | R178/mo*estimate | R71/mo*estimate | |
| R400/mo*estimate | R200/mo*estimate | R80/mo*estimate | |
| R438/mo*estimate | R219/mo*estimate | R88/mo*estimate | |
| R438/mo*estimate | R219/mo*estimate | R88/mo*estimate |
*estimate = modelled from real advert and quote data, scaled to this vehicle's value for a low-risk driver. Actual premiums depend on your age, address, claims history, and vehicle condition. TPFT and third party figures are approximate.
Insurance covers accidents and theft. An extended warranty covers engine, gearbox, and electrical failures after your manufacturer warranty expires. Get both and you're fully covered.
The Nissan NP200 was South Africa's best-selling half-ton bakkie for over a decade before production ended in 2021. Hundreds of thousands are still on SA roads — used as personal transport, small business workhorses, and everything in between. Its low retail price and simple drivetrain make it one of the cheapest bakkies to insure in the country.
With production discontinued, NP200 book values are depreciating steadily. This is good news for insurance costs: lower book value means lower comprehensive premiums. However, it also means owners of older models should regularly review whether comprehensive cover still makes financial sense versus switching to TPFT.
The NP200 is widely used for business. Insurers treat private use and commercial use differently — and the difference matters at claim time. If your NP200 carries goods for business, transports tools, or is used for deliveries, you must declare commercial use. Failing to do so is a common reason for NP200 claims to be rejected. Premiums for commercial use are typically R50–R150/month higher than private use rates.
The NP200 is a depreciating asset. As book value falls below R100,000, the annual comprehensive premium begins to represent a high percentage of the vehicle's value. At that point, TPFT cover — which protects you against fire and theft but not accident damage — may represent better value. Calculate: if your annual comprehensive premium exceeds 12–15% of the vehicle's current book value, consider switching.