U Covered Insurance Solutions aims to stand out from its competition by offering something new. They have three types of car insurance: Classic, Essential, and Purple. 

As most of us expect, the Classic Plan is their basic offering, which provides protection against most risks like accidents, theft, or vandalism.

Meanwhile, Essential is similar to Classic, except that it also provides coverage for your home.

As for their Purple Plan, it’s their most comprehensive plan providing coverage of up to 5 million rand. It even provides you with your own Discovery Insure Service Executive who will always be ready to answer your queries (pretty cool!).

Moreover, all these plans provide access to their Vitality Drive, a programme that incorporates modern tech like automated emergency calls if it detects an accident.

Of course, all these features don’t come cheap.

My claim was handled timeously

“I had a good experience with Didi Museri, very professional, quick and exceptional service. My claim was handled timeously. They kept me updated on the status of my claim.”

-Beatrice Mbawu, Google Reviews

Best service I’ve ever experienced!

“Best service I’ve ever experienced! I am just thankful that I got to speak to someone who is patient, Nkosinathi. I have asked over 1000 questions and he still answered without getting irritated. This is honestly the first time I get such great service. Thank you Nkosinathi.”

-Nthabiseng Phosa, Google Reviews

iWYZE, a subsidiary of Old Mutual, is a good choice if you’re looking for cheap car insurance that doesn’t skimp on coverage.

I say that because they are known for their affordable insurance policy called DriveWYZE Lite. Available to fully paid cars, this policy has up to R20,000 coverage for accidents and damages plus R1,000,000 coverage for third-party liability. It costs half the price of traditional car insurance, which is quite good!

In case you’re still paying for your car, iWYZE still has the usual insurance option available. However, they made sure to add a couple of perks to sweeten this one, like 24/7 roadside assistance and hotel expense subsidies if your car needs a day’s worth of repairs. 

Still, they’ve got some kinks to work out, like their poor customer support, which sometimes forgets to respond to calls and emails.

Processed their claim quickly with no unnecessary waiting or delays

“My mum and dad were involved in an accident and Gloria Machete was the consultant that handled their claim. She was very professional, courteous and helpful, and processed their claim quickly with no unnecessary waiting or delays. Would definitely recommend”

-Senica Chetty, Google Reviews

Overall I am happy with the service I received

“Mr Comfort Hlungwani has assisted me greatly and has been very helpful throughout the claim process, I would definitely prefer being assisted by him in future. Overall I am happy with the service I received.”

-Nkosingiphile Marcus, Google Reviews

If you’re someone like me who’s not a big fan of insurance add-ons, you might want to check out dotsure.co.za, a George-based insurance company founded in 2011.

What makes them different is that they allow clients to disable any add-ons they don’t want, like windscreen coverage, weekend coverage, and night driving coverage. Of course, every option you disable reduces the price of your insurance premiums.

Once you’ve disabled the add-ons, you’re still left with a good range of benefits that’ll pay for any damages or hospitalisations incurred from things like potholes and car accidents.

Another thing I love about them is their speedy claim submission system. My friend had to use it once, and he told me it only took him a minute to fill out the form online.

Sadly, the same couldn’t be said when it came to processing the claim itself. 

Probably the best service i’ve received

“Friendly, fast concise information, knows her product well.

Dotsure, like all insurance companies, will be judged on payouts. But initial contact is probably the best service I’ve received from insurance companies.”

-Ryno Potgieter, Google Reviews

It was an absolute pleasure to deal with someone so efficient and enthusiastic

“I received outstanding service from Thapelo Mbebe. The process was simple and it was an absolute pleasure to deal with someone so efficient and enthusiastic.”

-Chantel Gomes, Google Reviews

Santam Insurance, founded in 1918, is one of South Africa’s oldest and largest insurance companies. With that long of a presence in the industry, they’d become a trusted name when it comes to non-life insurance products.

One of those is their car insurance, which I’m a big fan of thanks to its SmartPark feature. Simply put, this feature will grant you an automatic 20% discount on your premiums if you drive less than 15,000 kilometres every year.

Aside from that, they also offer a couple of neat perks, like 24/7 roadside assistance. They even have home-drive assistance, which will send a driver to you if you have had too many drinks to drive safely.

Sadly, most of these perks are offered only if you opt for comprehensive coverage, which costs slightly more.

Getting my insurance policy updated was both fast and easy

“Nontlahla was incredible. She took the time to explain everything to me, was efficient, and the process of getting my insurance policy updated was both fast and easy. Great service!”

-Susan, Hellopeter Reviews

I am very happy with their excellent service

“They are the best I was insured with Santam before but when I bought a new car I’ve changed to my biggest regret I re insured with Santam and I am very happy with their excellent service Also the consultant Nokuthula helped me very good with her professionalism”

-Allister H, Hellopeter Reviews

PPS for Professionals is an insurance company in Parktown that was founded in 1941. Initially founded to cater to graduate professionals, they now offer their services to everyone in South Africa.

What I believe makes their car insurance stand out from the rest is that it has a profit-sharing programme. Here, you can continuously earn a share of their profits throughout the years and claim it as soon as you reach the age of 55.

Sounds neat, right? Think of it as an addition to your retirement portfolio.

Furthermore, their car insurance also has some amazing perks, like roadside assistance and full coverage for damages incurred on luxury cars.

However, please take note that their profit-sharing programme has limited slots, and they’ll first have to check whether you’re eligible. Some clients told me that they had to wait weeks before their claims were approved.

Best insurance options for graduate professionals

“Best insurance options for graduate professionals. Life, provident and pension funds, short term and investment options all linked in a mutual fund structure. The PPS have regular events for members in its own events facilities”

-Tony Simmons, Google Reviews

These guys are a cut above the rest

“Best insurance company for the discerning professional. These guys are a cut above the rest.”

-CarFan Hilton, Google Reviews