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Can I Apply for Car Insurance in Western Cape? Queries and Phone Numbers

In the following article, we are going to see some of the best insurance companies that operate in Western Cape. The companies offer a wide variety of insurance products for personal and commercial use and have some of the best rates in the market. We hope you find this information useful for your next insurance policy for your car if  you reside in Western Cape area.

A) Budget Insurance

Budget Insurance is a South African financial services company that has been operating in the country for more than a decade, providing its customers with high quality insurance products at the lowest premium rates. Budget insurance offers several insurance products, such as car insurance, home insurance, building insurance, business insurance, funeral expenses coverage, personal accident coverage and even lending products like personal loans. Budget Insurance has an efficient network of customer service representative that will be more than happy to assist you. You can contact the customer service line at the number 0861 00 13 47, from Monday to Friday, from 8 am to 6 pm and on Saturday from 8 am to 1 pm. For new policies, you can contact the number 0860 25 25 46. You can complete your application online through the website If you have any trouble while filling out the application, you can contact the online support center via e-mail to the address Now, we are going to briefly describe the vehicle insurance options you can have access to with Budget Insurance.

> Car Insurance: Budget Insurance offers several coverage options for your car. You can get full coverage with the Comprehensive Insurance, a standard coverage with the Third-Party, Fire and Theft option or the basic coverage with the Third-Party Only option. Budget covers for up to R20 million on your Third Party Liability, depending on the coverage and premium you choose.

> 4x4 Insurance: Budget also offers comprehensive insurance for your adventure vehicles that covers for accidental damage, theft and third party liability. The coverage includes up to R10000 to cover for standard accessories. It also includes an anti-theft system, key replacement, spare wheel replacement in case of loss, extended geographical coverage (Tanzania, Angola, Zambia and many others), windscreen replacement, and up to R20 million in third party liability.

> Motorcycle Insurance: You can insure your motorcycle, whether you use it for social, work or domestic purposes. Comprehensive insurance is also available for your motorcycle and it will cover for any loss or damage due to accidents or theft and also for medical and legal assistance.

> Caravan, Trailer and Insurance: Budget Insurance also covers for the damage or loss of your recreation vehicles.

B) Santam Insurance Company

Santam is an insurance services provider that offers insurance products across the country. Some of the insurance products offered by Santam are the following ones: cars insurance, delivery vehicles insurance, trailer insurance, caravan insurance and motorcycle insurance. As regards coverage options, Santam offers Comprehensive coverage, Limited Coverage and Third Party Only Coverage. Here, we are going to briefly describe what each coverage option implies.

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>Comprehensive Coverage: This option pays for any damage made to your vehicle after an accident or any other even, even if you are at fault. Comprehensive Coverage is the most complete coverage option offered by Santam and it also includes car replacement in case of theft.

>Limited Coverage: Limited coverage pay for damages to your car resulting from fire or theft and also includes third party liability. Some of the adverse events that are included are: fire, theft, explosions, natural disasters, and lightning.

>Third Party Only: This coverage only includes third party liability and Santam will not cover any expenses to repair your car and will not replace it if it is stolen.

Additionally, you can choose to include other coverage options into your policy with Santam, such as vehicle replacement as a result of theft or complete damage, locks/keys/remote controls replacement, emergency accommodation, and medical expenses.

Santam also offers insurance policies for our recreations vehicles, 4x4, luxurious vehicles, caravan or trailers.

You can contact the company through their website, by entering your city and province. You can also contact the company over the phone; their customer service line for personal insurance is 0860 444 444. If you have general questions or concerns, you can send them an e-mail message to You can get an instant online car insurance quote by entering into their website

And remember that Santam has some of the best personal, commercial and agriculture insurance policies in the country.

C) Bay Union Western Cape (Pty) Ltd

Bay Union Western Cape is another insurance services provider that operates in the area of Western Cape. Bay Union offers a wide variety of insurance products which include personal insurance, business insurance, home insurance, car insurance and household insurance. Within personal insurance products, Bay Union offers car insurance for your vehicle. Bay Union also has a 24/7 roadside assistance program in case you are in an emergency in the middle of the road and you have a flat tire, you need extra fuel or towing. The main office is located at 125 Main Road, Bergvliet, Cape Town and their mailing address is PO BOX 52, Steenberg, 7947. You can contact Bay Union Western Cape Insurance Company over the phone to their customer service line number 021 712 1236 or via e-mail, to their e-mail address Bay Union has a well-trained group of representatives that can assist you any time 24/7 and they can help you find the best coverage for you and your family. You can have a look at all the insurance products available at Bay Union Western Cape on their website

Leave your question

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Questions and answers

Where can I find a close Bay Union branch?

You can search for branches on their website. Their main branch is in Cape Town but you will find some other branches and representatives across the country.

Where can I insure my customized car?

You can insure it at any of these companies; however, some companies may charge you a higher monthly rate to be able to insure the non-original parts.

How can I can make the payments for my auto policy?

You can make the payments for your auto policy online, over the phone or at a branch, depending on the company.

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