Car Insurance

Yes, you can. As long as you have what's known as an insurable interest in the vehicle, simply put, if something were to happen to the car, it would impact you financially, you're able to insure it under your name. This is common in households where a family member regularly drives a car registered to a parent, spouse, or partner. All we ask is that you're upfront about the ownership details when you take out your policy, so that everything is in order should you ever need to claim. At Auto and General, we make it easy to cover what matters to you, even if it's not in your name.

Comparing car insurance quotes is simpler than you think. Start by gathering quotes from a few different insurers, making sure you compare like for like, check that the cover type (comprehensive, third-party, fire and theft), excess amounts, and benefits such as roadside assistance or car hire are the same across each quote. Don't just look at the monthly premium, pay attention to what's included and what's excluded, as a cheaper premium could mean less cover when you need it most. Consider the insurer's reputation, claims process, and customer service track record, because the real value of your policy only shows when you need to claim. At Auto and General, we make it easy to get a quote online in minutes, so you can see exactly what you're getting and make an informed decision with confidence.

In most instances, occasional or once‑off use of your car by another licensed driver is covered, provided this does not conflict with the noted regular driver on the policy. If the person involved in an accident is not the noted regular driver or spouse, an additional excess may apply. Always refer to your policy schedule for specific terms and conditions.

Getting car insurance online is quick and easy. Simply visit the Auto and General website, enter a few details about yourself and your vehicle, such as your ID number, car make and model, and where you park overnight and you'll receive a quote in just minutes. If you're happy with the cover and the premium, you can accept the quote and finalise your policy right there and then, without any paperwork. Your policy documents will be sent straight to your inbox, so you're covered from the moment you say yes. It's insurance made simple on your terms, in your time.

Car insurance protects you financially when the unexpected happens. It helps cover the cost of vehicle repairs, third‑party damage, and legal liabilities following an accident. Without insurance, you will pay these expenses out of your own pocket, costs that can place serious strain on your finances. With the right cover in place, you can drive with confidence, knowing you’re covered when it matters most. You won’t regret having an insurance policy with us. Here’s why:

• 24/7 access to policy information and documents.
• A mobile app that allows you to capture a claim, manage your policy, access 24/7 emergency assistance, benefit from crash detection, and more.
• Option to add Cashback for customers who are claim-free and have maintained uninterrupted cover.
• A simple, hassle‑free claims process, with your own dedicated consultant supporting you every step of the way.
• Quality repairs done right the first time, backed by a lifetime guarantee on all vehicle repairs after a claim.
• If we don’t deliver on our service promise to you, we will pay you R1000.

• Excess or deductible: This is the initial amount you pay when filing an insurance claim before the coverage begins. For example, the deductible must be paid to the service provider, such as a repair shop, after a car accident, regardless of fault. Your deductible amount depends on your policy terms and coverage.
• Car Write-off: If your vehicle is deemed a write-off following an accident, repair costs exceed the car's market value. The insurer then declares the car a total loss and compensates you for its pre-accident value, minus the deductible and any salvage value.
• Third-party Claim: This refers to a claim made by someone other than the policyholder against the policyholder’s insurance. It involves compensation for damages caused by the policyholder, such as in an accident where the policyholder is at fault.
• Insurance Premium: This is the cost paid by the policyholder to an insurance company for coverage. It can be paid monthly and is calculated based on risk factors, coverage levels, and the type of insurance.
• Liability: This term denotes legal responsibility for damages caused by an individual. Liability coverage shields policyholders from financial loss due to third-party claims or lawsuits resulting from their actions.
• Insured Vehicle Value: This is the maximum payout amount, minus the deductible, to cover vehicle damage. It is generally based on the car's market value or a value agreed upon by the policyholder and insurer.