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List of Top 10 Car Insurance Companies in South Africa

Purchasing car insurance is one of those decisions we should not make lightly. If you choose wisely, your insurer can spare you from many inconveniences. Requesting the services from a well-known company will mean that whatever happens with your car, the company will give you timely answers.

However, there are a great number of insurance companies in South Africa and this might bring some confusion and indecision among our readers as to where to go. For this reason, we decided to help you by providing you with a list of good car insurance companies in the country. The idea was to show you the top 10 of the best insurers available. Also, we will let you know about reviews made by other people about these companies, types of car insurance covers and more.

Is it Possible to Find Lists of all Car Insurance Companies in South Africa?

Throughout the web, you might find several lists of car insurance companies in South Africa. However, this does not mean that all of these companies are trustworthy or that are acceptable in terms of the quality of service they offer. This is the reason we’ve set ourselves in the search of the best insurers of the country, so that you can choose with the peace of mind of knowing these companies are reliable. Along this text, you will find the results of our search.

Before we move on, we want you to give you some tips on to how to spot a reliable company. You should check if the insurer has these characteristics:

  • The company has been providing its service for a number of years. A company with a proven history of services for over ten years, for instance, is one that you can definitely trust.
  • You can easily find them online and find reviews from their clients.
  • Usually, reliable car insurance companies are recommended by friends and relatives or people you know.

If the company you are considering meets these requirements, then you might be on the safe side with them.

Ranking of the 3 Most Reputable Car Insurance Companies in South Africa

A famous publication on news about the different technological industries published an analysis of the most reputable car insurance companies in South Africa. This study was performed on the basis of comments and complaints performed by clients about the different insurance companies. The comments were analysed and divided in different categories; for example if they were positive or negative, if the client was paying a compliment to the company or if, on the contrary, the client was making a complaint.

After analysing these comments, the study reached to the conclusion that the 3 most reputable car insurance companies in South Africa were the following:

Of course, this does not mean that the three companies listed above are the ONLY reliable companies in South Africa where you can buy your car insurance. Below, we will show you a list of other reliable companies that are an excellent choice in terms of the coverage offered.

Which is the Best Car Insurance Company in South Africa?

We’ve come across this question several times. Some of you are happy with the information we provide you with here, but you say, ok, I want to know which one is the absolute very best. This is extremely hard for us to do since what is the best might vary according to what you are looking for.

Many of you consider that the best company is the one that offer car insurance with the most complete coverage packets. Others think that to be the best, a company has to offer affordable prices. See? Not so easy.

For this reason, below we will list some of the best car insurance companies in South Africa in terms of reliability and coverage offered:

  • Santam
  • Old Mutual
  • Momentum
  • King Price

What are the Worst Car Insurance Companies in South Africa?

Answering this question is also highly tricky. Based on the study we told you about above, we could consider as “the worst” vehicle insurance companies those with higher percentages of complaints by clients. However, this could be somehow unfair. This poll divided comments in terms of if they were compliments or complaints. But, in the end, these comments are just that: opinions. All the companies included in the study are companies that comply with regulations established by governing bodies in our country, so, in our opinion; it would be unfair to name a company as “the worst”.

Are there Black Owned Car Insurance Companies in South Africa?

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Although there are a great number of black owned insurance companies all over South Africa, we are not aware of a car insurance company that is 100% black owned. However, this should not be a problem since most insurers offer a great variety of coverage products to every South African.

There have been some allegations that certain companies charge different quotes based on race. This should not be so and if you ever find this is the case, you should definitely speak out and make a claim before regulatory authorities.

2 Ways to Find Car Insurance Reviews

When we want to make sure that we are making the right decision about a purchase, we usually want to know what other people say about the product we are about to buy. How many times did you find yourself asking your friends if they liked those pairs of jeans, for instance?

Car insurance is a bit more complex than buying clothes, though. This is the reason we wanted to show two ways to finding reviews about car insurance. The first one has to do with making a bit of research: which companies are most recommended by your friends, for instance. Also, you can find reviews online made by actual clients. Here we would like to add a word of caution, though. You do not know these people, so you should take their words very carefully.

The second way is looking for car insurance ratings. You will find several online publications that post car insurance ratings based on client satisfaction and complaints.  

Which is the Best Car Insurance according to Mybroadband?

Mybroadband is an online publication specialized in IT. This magazine posts news on business and tech. Also, you might find advertising on Mybroadband. Hence, you will not find an article telling you which is the best car insurance company and if you do find it, you should think of that as an advertising piece.

This publication does have a section where readers can leave comments and questions that other readers answer. There you might find opinions about car insurers; but be careful, opinions are subjective. Remember that we told you that saying that this or that company is the best car insurance company is a far-fetched claim. When you hear someone say this car insurance is the best, you should ask yourself who is this person, why does he or she values most in car insurance: price? Quality?

We believe that you should go about this by analysing what a company should offer you in order to consider it the best option. Once you have that figured out, you can choose from three or four from our list of reliable companies we shared with you above and start comparing them. For instance, if you think that the best company is the one that offers the most comprehensive coverage packages, that’s what you should be comparing.

What are Mybroadband tips on finding Cheap Car Insurance?

One of the most interesting tips we could find on Mybroadband is that you should try to upgrade your risk profile. This has to do with how risky it is for the car insurance company to provide you with its services. For example, if you park your car overnight on a highly busy street, the insurer will find that the odds of your car suffering from an incident are great. However, if you park your car at your house or in a parking lot, then your risk profile is lower. This could translate into a cheaper car insurance premium.  

How to use Price Check to Compare Car Insurance in South Africa?

Price Check is an online platform that allows users to compare prices of different goods and services in many industries. You can also use Price Check to see which car insurance offers the best coverage packages and compare their premium fees.

This kind of tool is one that can be very useful to evaluate which company to choose as we talked above. If you are looking for a car insurance with the lowest premium, with Price Check you can run a search to find it.

The process is super easy and quickly; you will be able to do it online by entering your personal information, such as your name, e-mail address and phone number. After that, you will be shown a list of the different car insurance companies available and the different premiums you can choose from.  

However, you should know that this platform only compare prices from the following car insurance companies:

  • Hollard
  • AIG
  • OLDMUTUAL
  • Iwyze
  • King Price

The whole point of this article was to show you which are the top 10 best car insurance companies in South Africa. But also, we aimed at letting you know that this concept is strictly relative since what is best for you might not be so for someone else. Therefore, we taught you how to compare prices from different companies and how to find reviews. Now you are ready to choose the best car insurance for you and drive your car with the peace of mind of knowing you are covered. 

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Questions and answers

Can I quote online?

Most of the car insurance companies we have mentioned in this article will allow you to quote online. For this, you will have to fill in a form with your personal information and the technical specifications of your car. You might also be asked where you live. Once you enter that data, the system will let you know the different options available with prices.

Is age a factor for the car insurance quote?

Yes, as a matter of fact, age is a factor affecting the price of car insurance premiums. This has to do with risk management. Insurers make analysis to evaluate these risks. One of these risks is age, for instance, it has been proved that younger drivers tend to be less careful when driving. So, if you are 19, for example, your premiums might be higher than the ones offered to a forty-year-old.

Will my car be inspected when I buy car insurance?

This will depend on the car insurance company you choose. However, this is a standard procedure in most insurers. They need to know how your car is working and the only way to know it for sure is by having it inspected by a technician. This inspection is at no cost for you, though.

Leave your rating about List of Top 10 Car Insurance Companies in South Africa

I agree, Dial Direct is the best car insurance in the country.

To me, the best insurance for my car is the one that covers every little detail.

Santam is also a good option. At least in my experience; I’m happy with them.

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