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More comprehensive cover means higher premiums. Which means that third-party car insurance will be the cheapest cover for your vehicle in South Africa.

Although it’s tempting to save more on your car insurance so that you have more to spend on things you love, remember that you’ll get what you pay for. The cheapest car insurance might leave you wanting more if you happen to get into an accident. If you want complete peace of mind, comprehensive car insurance cover will do it for you.

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Stats show that out of 10 million motorists in South Africa, 65% are uninsured. That means more than half of the drivers you see on the road aren't covered to pay for your vehicle to be repaired if they cause an accident. Scary stuff! Don't be another statistic.

Plus, accidents, vehicle theft, and breakdowns can happen when you least expect them to. Right now, can you afford the costs of towing, replacing or repairing your car, or paying for the damage to someone else's vehicle?

Also, most insurers offer an array of added benefits, like emergency response to an accident, or help getting your keys out the car when you've locked them in there.

All of these reasons are why you need a car insurance policy—it can assist with paying towards these costs and help you when you're in a bind.

Rather enjoy complete peace of mind by getting car insurance that will cover you in a variety of situations. Luckily, your favourite Hippo is here to help you to find the best deal by comparing a range of quotes from 11 different insurers, so you know you've really done your homework on car cover quotes.

Hippo.co.za is free to use for all South Africans. There are no hidden charges and we do not add any fee to the price you see. You can compare car insurance quotes for FREE today!

No, we do not. Your details are held securely and we do not share or sell your details to any 3rd parties. As South Africa's go-to for free car insurance quotes, we pride ourselves in treating customers fairly (TCF) and protecting your data and the way we deal with you.

No, you're under no obligation at all. After choosing a brand's online quote, you will simply get an obligation-free call from a consultant from that company to find out more about their offer. They will also help to arrange your cover and requirements therefore over the phone if you do choose to continue with them.

This depends on the insurer, as they all have different policies around how long a quote is valid for.

No—remember, we ask you as much information as we can in as short a time as possible, because we know you have other things you'd much rather do with your time. Once you've selected a car insurance quote from us, the insurer will be in touch with you to conduct a much more thorough quotation process. During this, additional questions might be asked, and your answers may change the premium from the one you were quoted on our website. Having said that, the quotes shouldn't differ too much, as we try to get accurate prices for you.

You sure can! You'll just need to complete a separate quote on our website for the each separate car you want to cover.

In addition to your personal details, there are some other factors that licensed insurers consider when calculating your premium. This includes the insurance type (comprehensive, third-party, fire & theft, and third-party only), the age of the car being insured, security features, and any modifications you've made to the vehicle.

Calculating Car Insurance

There are three types of values at which you can insure your car—retail, market, and trade. The lowest (and therefore most affordable insurance premiums) will be trade value, followed by market value, and lastly (and most expensive) is retail value.

Your insurance plan provider can advise you what the different premiums will be when you're getting a full quote from them.

Excess is an amount that providers charge when you make a claim. It's there mainly to stop fraud from happening. It's a set amount you'll need to pay in order to claim. Your insurer will make you aware of the figure upfront. Sometimes, there can be additional excesses, such as if you have an accident within the first six months of the policy, or if an accident occurs in the early hours of the morning.

Most providers will allow you to toggle the price between what you pay monthly and what you pay for excess. The higher your excess, the lower your monthly premiums will typically be. The opposite is also true; the lower your excess, the more you'll pay for your cover every month.

How excess affects your Car Insurance premium

Yes, unfortunately, age is on your side when it comes to getting quotes. Usually, if you're 27 or younger, your premiums are going to be higher as you're considered to be at greater risk of having an accident.

Car Insurance for Under 25s

Many (not all) insurers offer a cash-back programme that rewards drivers for not claiming. Some make it a year of no-claims, while others require you to remain claim-free for four years before collecting your cash back.

This depends on the arrangements you have made with the insurance provider. If you plan to have someone else drive your car, say your 18 year old child, you need to inform the insurer of this, as they'll note it in your policy. If you don't do this and your child gets into an accident in your car, you might not be paid out.

When you take out vehicle insurance, it's the car that's covered, not you. You're simply the main driver on the policy. If you drive someone else's car and are involved in an accident, their insurance will have to cover the cost of the damage, not your own.

Every company is different, but the process typically goes like this: report any accidents, theft or hijackings at the police station. The police will open a case and give you a case number. You'll then call your insurer, or submit a claim online or via an app (depending on the provider) with the case number. They'll send an assessor around, or ask you to take your car to an assessment centre if its drivable. Once this is done, you'll find out if you're covered, and for how much.

How to Make a Car Insurance Claim

Do you know the difference between the retail value and the market value of your car? Many people are not aware that you can insure your car under four different value options.

What are the different value options I can insure my car for?

The purpose for which a vehicle is used gives insurance providers an indication of how much time the vehicle will spend on the road, and in what traffic conditions it will be driven. A vehicle that is driven in rush hour traffic is usually at greater risk of being involved in an accident compared to a vehicle that is regularly driven during off-peak periods.

The difference between personal and business vehicle use

One of the easiest ways to do this is to find cheaper car insurance that still offers quality cover. Just because you find more affordable insurance doesn’t mean you have to sacrifice your peace of mind. As long as you know what kind of cover you need and diligently compare car insurance options, you can make a big difference to your budget.

Get peace of mind with cheaper car insurance