Car Insurance in Cape Town. What are the 5 Best Companies?

Car Insurance in Cape Town. What are the 5 Best Companies?

Cape Town, also known as the Mother City in South Africa, is part of the metropolitan municipality. It is famous for its natural settings and amazing landmarks. Sixty four percent of the population of Western Cape lives there. If you live in Cape Town and are looking for car insurance deals, you should know your options before hand. You will find information about vehicle insurance, quotes, companies that offer classic car insurance, the cheapest vehicle insurance and the best alternatives for you.

Which are the companies that offer car insurance in Cape Town?

There are some companies located in Cape Town that will help you find the car insurance package you need. These are some of the companies:

King Price Car Insurance, choose the excess that best suits your budget.

King Price Car Insurance

Choose the excess that best suits your budget. Emergency assistance 24/7, for when you need to be rescued.

  • IW car insurance

  • Compare GURU insurance

  • Car insurance check

  • Motor plan direct

  • Easyway centre

  • Comprehensive car insurance

  • Insurance loss adjusters

  • Connecta quote

  • Ripsold and associates

  • Car protection services

  • Consortium insurance brokers

  • Insurance unlimited

  • Santam LTD

  • Hollard

  • Bidvest Insurance

  • Budget insurance

  • Pillar financial services

Each of these car insurance companies offers different deals. Some of them give you the possibility to compare different quotes and insurance values. Car Insurance Check, for instance, allows you to get a quote by introducing the value of your vehicle, your full name and cell phone. The company allows you to pick a policy based on your needs. It allows covering for caravans, trailers, cars or motorcycles. Ripsold and Associates is another company that offers you insurance deals, not only regarding vehicles for personal use but also vehicles for commercial purposes. They are short time insurance brokers.

Where can I find the best car insurance in Cape Town?

Car Insurance Check is a company that offers convenient solutions and car insurance deals. It is always difficult to choose or even know the best car insurance in Cape Town. However, Car Insurance Check can be a great option. They have three options which are considered quite convenient since they come with lower premiums. In South Africa, this company is commonly considered by its citizens  because of the variety of options and the commitment towards them. It even offers three options:

  • Vehicle cover

  • Great rates

  • Essential car insurance

What kind of vehicle insurance can I access in Cape Town?

Car Insurance Check offers three main different alternatives in Cape Town:

  • Trailer and caravan cover

  • Motorcycle cover

  • Inspection centers for car insurance

Besides, it should be noted that the company offers too insurance quotas for travelers, campers and adventurers. These packages offer:

  • Limited insurance that includes theft and fire cover

  • Comprehensive car cover

  • Uninsured or under insured

  • PIP, which stands for personal injury protection

  • Third party only

Imagine that you decide to go for a limited package. This option in particular has the following features:

  • Covers accidental damage and loss

  • Third party liability

If the damage is caused by attempted theft, explosion, lightning, or fire, then the insurance companies will be in charge of the costs. It is ideal for those families that live in areas of Cape Town that may be dangerous or where riots take place. It was designed to cover you against natural hazards. If you desire, you can insure luxury items too.

How is the classic car insurance in Cape Town?

When thinking of classic car insurance in Cape Town, you can find it too in Car Insurance Check.  You have to bear in mind that it is considered as one of the most expensive alternatives. It covers:

  • Hijacking

  • Theft

  • Damage caused by natural disasters (hail storms and flooding), fire and accidents

  • Loss

  • Against claims that stem from third parties

Classic vehicle insurance is ideal for family vehicles. When you have comprehensive policy, you have the possibility to insure those highly valued items, especially when you are travelling for long hours. Since the extent of the cover is so wide, classic comprehensive insurance is an expensive option.

Is there cheapest car insurance in Cape Town?

It is hard to choose a single option in the insurance market, since many companies do their best to offer you the best rates and quotes with the lowest premiums. Motor Plan Direct is another company in Cape Town, besides the above mentioned, that has convenient insurance packages for you to enjoy low costs. You can ask for:

  • Service plans

  • Excess waiver

  • Scratch and dent

  • Warranty

  • Tyre and rim

How are the car insurance quotes in Cape Town?

In order to get a quote, all companies in Cape Town have a very similar policy: you first have to submit all your personal information such as the value and model of your vehicles, the product you are interested in, your name and surname, your email address, a telephone number they can reach in order to contact you and some additional requests. In general, the aim is for you to access a quote so that you can have direct access to the description of specific services and goods you would receive from the company and the money you would have to pay in order to get them. All the companies mentioned above offer quotes for customers. However, it is quite hard to simulate a quote without the personal data before.

Is car insurance in Cape Down a possibility?

Car insurance in Cape Town is more than a possibility. You can find the solutions and alternatives you need at any time, in any of the companies mentioned. They all work towards the same goal, that is, to provide you with a complete and efficient service for you to be covered on the road or on your commute to work. If you are not convinced with the classic insurance because it is too expensive, remember that you have other options such as limited insurance, dent and scratch insurance and other types of insurance made to cover specifics of your vehicle.

All in all, you must bear in mind the specific needs your vehicle faces day to day in order to find the most suitable insurance when driving. Then, you need to compare prices so as to choose the best quote.

Preguntas Frecuentes

Can I ask for cover against hijacking?

Yes, this is one alternative

Are there any warranties?

Motor Plan Direct offers warranties

Does Motor Plan Direct tyre and rim?

Yes, you can access tyre and rim

Do you cover import cars without an M&M code, as the car model was not manufactured in South Africa?

It is a little bit complicated to obtain a car insurance for a vehicle without an M&M code, which is imported, as usually the type of insurance required is more expensive than a regular car's insurance as these vehicles are seen as high-risk. Typically, they take more money to repair or to find spare parts. In any case, all vehicles should be registered in the corresponding authority office. 

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Where can I find Car Insurance in Cape Town? Programs and Contact Details

Where can I find Car Insurance in Cape Town? Programs and Contact Details


Do you find yourself in Cape Town at the moment? Would you like to be assisted regarding insuring issues it has? If that is your case, I congratulate you for having arrived here and the reason has to do with the fact that in the article you are reading now I will give you complete data regarding to awesome companies: Mutual and Federal and Santam.

King Price Car Insurance, choose the excess that best suits your budget.

King Price Car Insurance

Choose the excess that best suits your budget. Emergency assistance 24/7, for when you need to be rescued.

 What type of insurances are given by Santam?

1) The comprehensive cover: this happens to be the best insurance for those drivers that are really worried about protecting their cars in the maximum amount of issues that have to do with their care of the safety of the driver.

What are its features?

-Obtaining new keys and remote control

-Obtaining accommodation for free

-Obtaining free therapy or counselling for no cost

-Having access to medical support

-Having access to legal advice

-Being insured in a second country

-Getting access to services of towing and pulling for no costs

2)The limited cover (fire and theft): By paying for this sort of insurance you can for sure receive protection in many circumstances, including those created by mother nature or by another driver. So, if an accident strikes and you don’t know what to do, then with this insurance the other person and you can be protected and receive the assistance needed, apart from the fact that if there is fire or theft present, you get chances of protection too.

3)The third party only cover: this cover is just ideal for those clients that avoid making many payments or paying in excess for the service of an insurance, and the reason is simple: these drivers want to save money. So, this option, with little coverage but effective, was designed just for them.

     Now that you know in detail each of the covers, let me give you some hints you might have to bear into consideration:

+If you have a car that is new or modern, then choose the first option mentioned, the comprehensive

+If you have a car that you bought the last 4 or 5 years, then the third party is just for you

+If you worry about the safety of another passenger, then try the last option.

See? There is one option according to the type of driver or client.

Contacting Santam in Cape Town

In the city of Cape Town residents have the chance of phoning on a line designed for special inquiries: 21 915 7000. This line happens to be available at all times, reason for which it is the preferred means of communication.

But if what you prefer is a face to face interaction with another person, then the office found at Sportica Cres in Bellville Park is just perfect for you. It is open from 09:00 am to 05:00 pm.

Lastly, you can communicate via website that is entering the official webpage of the company which is quite complete and useful.

Mutual and Federal´s car insurance in Cape Town

     Let’s find out the different means through which this company can help its drivers that reside in Cape Town:

1. ALLURE: this is also named Comprehensive and includes many misfortunes you can think of, from the ones related to your health to economic ones. What is more, regardless of the content found inside the person´s vehicle, it is replaced or bought again.

Let’s discover how this company is willing to help you and your car with the support of their four main insurances:

These are the features that make this insurance a good option:

-Protection against another driver

-Protection when accidents strike

-Liabilities in case of another party

-An insurance of R 50 000 which is also present when another driver of the company makes a claim

-Replacement in an effective way of appliances that the client possesses

-Assistance that is medical and legal one regardless of where the client is located

-Financial resources at the expense of the client

-Possibility of financing a credit

-The mechanic labor is given for free, with no exceptions

2. SWIFT CARE: this is the easiest ways to receive assistance from a doctor or a lawyer, someone specialized in the field of protection drivers that have been in an accident or experienced serious traumas. Moreover, the car that is damaged can be replaced by no costs.

3. MOTORSURE: with this sort of car insurance, those drivers living in Cape Town can be protected in a maximum of situations like the ones in which there are explosions and their cars disappear and also where there is a robbery and the driver cannot find the car on its means.

4. SUREWISE: this is the last option offered and at the same time the one that will make you pay the least, since the only case in which the driver gets assistance is while being on the road. With this insurance you have total access to assistance that comes from a doctor or a lawyer.

Contacting Mutual and Federal in Cape Town

Let’s take a look at this chart with complete data about a branch of the company situated in Cape Town:

Email address

Telephone number

0854 001 008

Online services

Calculator and form available


66 Charterland Avenue which is inside the Selcourt in the region od Springs

Working hours

Business times from Mondays to weekends

    One of the other offices of this company in Cape Town happens to be located at the Triangle Hse in 22 Riebeeck Street, in the central area of this region. You can all it by phoning from home 401 6911.

    You can also enter from your laptop the official website of the company with contains all the data you need to possess with you if you are interested in starting the registration procedure or if you have already gotten it and you want another product from Mutual and Federal.

All in all, if you really care about the safety of your car and you live in a big city like Cape Town, you must be insured with a reliable company, which is why I have presented two excellent options that will help you save money.

Preguntas Frecuentes

How can I contact the companies during the weekends?

You can enter their official webpages

How can I send a message to the companies?

You can send them an email from their website

Is it possible to get insurance for buses?

Yes it is!

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