This is what experience looks like

For over three decades Auto&General have provided individuals, businesses and families like yours with car insurance. Auto & General are pioneers in the South African insurance market and proud to offer services you can depend on. Our range of car insurance policies cover those unexpected costs that arise from traffic accidents that place you and those you love at risk. You won’t regret having a car insurance policy with us, and here’s why:

 

  1. 24/7 access to policy information and documents.

  2. Our mobile app can be used for everything from mobile crash detection to emergency medical assistance.

  3. Cashback for claim-free customers.

  4. In the event of a claim, immediate expenses reimbursed when you follow our claim certainty guidelines.

  5. Access to your own dedicated consultant during any claims process.

We will pay you R1000 if we do not deliver on our promise to you.

Our customers generally score us 9.2 out of 10 when asked how easy it was to interact with us.

Customers rate us
4 Stars | 498 Reviews

Auto&General Car Insurance includes

Comprehensive Car Insurance

Comprehensive car insurance is the best option for those who want all the bells and whistles. Not only will this policy cover you for third-party claims, but it will also cover you for accidental damages to your own car.

Read more

Third Party Fire & Theft Insurance

Third-party fire and theft is a great option for those looking to spend a little less and go without all the perks. This policy does not cover the costs of repairing your own vehicle but will pay the third party for accidental damage to their vehicle or building. Third-party fire and theft also covers you in the unfortunate event where your vehicle is burnt or stolen.

Read more

Third Party Only Insurance

Unlike Third Party, Fire and Theft car insurance, Third Party only doesn't replace your vehicle if it is stolen or damaged in a fire. Third-Party only protects you against claims from third parties if you accidentally damage their vehicle or building.

Read more

BetterCar Insurance

In the unfortunate event where your car is written off in an accident, this policy add-on will make a bad situation better. BetterCar Insurance will cover the costs of replacing your much-loved car, but the younger model.

Read more

Auto Top-Up Insurance

If you drive a financed vehicle, our auto top-up policy covers the difference between your comprehensive insurance payout and what you owe on your vehicle finance agreement.

Read more

Accessory Policies

Potholes are common on South African roads, and your wheels take the brunt of the damage. Add Tyre & Rim Guard Protection to your policy to keep your vehicle in pristine condition.

Unexpected chips, minor dents and light scratches happen, and they can be expensive to fix. Choose our Scratch & Dent Protection cover to help your car look as good as new.

A mechanical breakdown can be extremely inconvenient, not to mention costly. That’s why we offer Mechanical Breakdown Cover to help in the event of mechanical or electrical failure

Personal Accident Cover is there for you when you need it. If you are hospitalised, disabled or pass away as a result of an accident, we will make sure you and your family are taken care of.

 

It Pays to be Loyal

When you choose Comprehensive Car Insurance from A&G, you can rest easy - but it's even better when your careful driving is recognised. Stay claim-free for four years and receive a cash reward from us. To enjoy this benefit, simply add Cash Back Plus to your policy.

Experience you can rely on

Trust the insurer with over 30 years of experience.

Cover for All Lifestyles and Hobbies

Regardless of your preferred motorcycle brand, you are at a higher risk on the road than your four-wheel companions. If you're looking for comprehensive motorcycle insurance for either personal or social reasons, we can help.

You can insure your caravan and the items inside it against accidental damage, loss, and theft with our caravan insurance policy. As this policy is comprehensive, it comes with a bunch of extras so that you can enjoy your holiday to the fullest.

This policy will protect you if you have a breakdown, are involved in an accident, or your trailer is damaged or stolen. Get third-party damage coverage up to R1 million, as well as towing and trailer repair or replacement.

A special type of insurance designed for off-roaders is called Offroad Adventure Insurance. As an added bonus, not only will you be covered from the typical risks, we've also included benefits to satisfy all your needs, giving you the off-road advantage.

Our Watercraft Insurance covers vessels used for social, domestic or pleasure purposes. We will also cover a watercraft that is used for accredited regattas. This policy insures you against theft, loss and damage.

Frequently Asked Questions

How much is car insurance?

Your insurance premium is influenced by many factors. For example, if you have a new car, some insurance companies might offer you a discount. At Auto & General, our car insurance policies start from ** per month.

Can I insure a car that is not mine?

Although you cannot insure a car that does not belong to you, you can be added as a named driver to the existing policy held by the owner. Speak with the owner of the vehicle about setting up a policy with Auto and General, and we will talk you through the rest.

Do you need car insurance?

Although insurance for cars is not currently compulsory in South Africa, traffic accidents happen everyday and covering yourself against the financial implications is very wise. Auto & General offer you one guarantee, and that is our service promise. You’ll receive expert advice and will be immediately reimbursed for any claims when you follow our claim certainty guidelines. Experience an impeccable service right from the initial car insurance quote through to accident claims. Our knowledgeable advisors are here to help you. 

 

H3: How to calculate car insurance?

 

Before you get started on a quote, it is helpful to know how your car insurance is calculated. Here are some of the things that will influence the cost of your car insurance:

  • Make, model, age, color, condition, and resale value of the vehicle

  • The risk factor associated with the vehicle - for example, cars that are regularly targeted for theft will have a higher premium.

  • Gender, age, marital status, place of residence, occupation, and financial background are also taken into consideration. 

  • Your premium may also be higher if you have a history of past accidents or claims. 

  • A car's security features and where it is parked will also affect the cost of your insurance.

Use our online car insurance calculator to get an estimated cost of your car insurance.

How to compare car insurance quotes

If you are comparing car insurance quotes in South Africa, there are a lot of things you need to know. When searching for a car cover, here are some questions you should ask yourself:

  • How many quotes should I compare?

  • Which insurers should I quote with?

If you’d like to find out how to compare insurance quotes so that you can decide on the best provider for you, check out this short guide.

Does car insurance cover scratches and dents?

The cost of repairing scratches and dents is covered in our comprehensive car insurance policy. If you have a different type of policy, we recommend taking a look at our add-on product - Scratch and Dent Protection.

Does car insurance cover someone else driving your car?

In most instances, unless that person is on the policy as a named driver, then they will not be insured whilst driving your car.

How to get car insurance online?

It’s very easy to get a car quote online. By gathering only the essential details, we provide accurate quotes that are tailored to your lifestyle.  ‘Here’s what we need from you in order to get started:

 

  • Your vehicle information (registration number, make, model, year of manufacture, type and colour)

  • South African identity number

  • Your personal details (name, address and date of birth)

Read our Blogs

Why SUVs are the most sought after family vehicles in SA

Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?

Myth or fact: Families pay less for car insurance than singles

Anyone who has had a bad experience on the road knows that car insurance is an absolute necessity. Paying for repairs to your car or having to buy a new one if yours is written off is simply not an affordable option for most people. However, even though you know you need it, you might still begrudge paying for it a little bit. That is why looking for ways to lower your monthly insurance premium could bring some relief. There are many factors that affect your insurance costs, but did you know your relationship status is one of them?

A family's practical guide to car insurance during COVID-19

The COVID-19 pandemic has thrust us into uncertain times and caused widespread financial strain - but your car insurance does not have to be a financial burden. Given we are living with a high level of unpredictability, now might be a good time to review your existing car insurance policies or think about taking one out if you do not already have one.

Learn more about car insurance

A car insurance calculator is a useful tool that enables you to estimate the premiums you will likely pay for your motor vehicle insurance.

The three types of car insurance offered in South Africa are: comprehensive; third party, fire and theft; and third party. Each of these offer a different degree of cover.

An online car inspection allows you to perform your own inspection by photographing predetermined aspects of your vehicle and submitting the images along with other details to your insurer.