The flagship brand of the Telesure group. Broadest cover options, strongest brand, premium pricing.
Compare quotes now →Flagship Telesure brand — SA's largest personal lines insurance group
Comprehensive cover options including agreed value and accessories cover
Strong claims reputation and nationwide repair network
Roadside assistance and emergency benefits included as standard
The most expensive product in the Telesure group for the same risk profile
Premium increases at renewal can be significant
Direct model — no independent broker for claim disputes
| Vehicle | Approx. trade value | Est. monthly premium |
|---|---|---|
| VW Polo Vivo | R145,000 | ~R510 |
| VW Polo | R265,000 | ~R930 |
| Suzuki Swift | R235,000 | ~R825 |
| Toyota Starlet | R225,000 | ~R790 |
| Hyundai Grand i10 | R215,000 | ~R755 |
| Suzuki Fronx | R295,000 | ~R1,035 |
| Toyota Fortuner | R560,000 | ~R1,960 |
| Toyota Hilux | R520,000 | ~R1,820 |
| Ford Ranger | R500,000 | ~R1,750 |
Premium estimates are indicative only and based on a low-risk driver profile. Actual premiums are risk-profile dependent, reviewed annually, and will vary based on your age, address, vehicle condition, and claims history.
Auto & General Insurance is the flagship brand of the Telesure/BHL group — South Africa's largest personal lines insurance group by premium income. Founded in 1985, it has built one of the strongest brand names in SA personal insurance over four decades of continuous operation. The group also owns Budget Insurance, Dial Direct, and First For Women.
Where Budget is positioned on price, Auto & General is positioned on brand, cover breadth, and service quality. Its products are typically the most comprehensive — and the most expensive — in the Telesure stable.
Auto & General uses the same sophisticated risk model as the other Telesure brands. For the same vehicle and driver profile, Auto & General will generally quote R100–R300/month more than Budget Insurance and R50–R150/month more than Dial Direct. This premium reflects the broader cover terms and stronger brand positioning rather than materially different claims service, since all three share the same underlying infrastructure.
For drivers who want the widest cover options — agreed value, accessories, specified items, enhanced car hire — Auto & General's product range is the most comprehensive in the group.
It is worth understanding that Budget, Dial Direct, Auto & General, and First For Women all use the same risk engine. If you receive a quote from one, you can generally predict the others: Budget is cheapest, Dial Direct is second, then Auto & General and First For Women at a similar price point. Comparing across all four is straightforward — and comparing against non-Telesure options like King Price is where the real spread often lies.
Auto & General is the right choice if you want the Telesure group's strongest brand, the broadest cover terms, and are willing to pay a modest premium above Budget or Dial Direct for that positioning. For straightforward vehicle cover where price is the primary driver, Budget will often serve you equally well at a lower monthly cost.