
What is Comprehensive Car Insurance?
Comprehensive insurance provides the highest level of protection for both you and your car. It covers your vehicle against theft as well as accidental, hail, or fire damage. You're also covered for claims made against you if your vehicle accidentally causes damage to other people or their property.
This type of insurance covers damage to your car and third party vehicles regardless of who is at fault, making it ideal for drivers seeking complete peace of mind.
In our experience, the extensive nature of Comprehensive Car Insurance means that it is the ideal policy type. Get a quote and find out how much Comprehensive Car Insurance costs today.

Fire, theft and hijacking cover
In South Africa, nearly 50 cars are stolen every day. With our Comprehensive Car Insurance, you can claim the cost of replacing your vehicle if it’s stolen or hijacked.
You're also covered if a fire causes accidental damage or destruction to your vehicle, in which case we'll pay to repair or replace it.

Accident Cover
Comprehensive insurance protects your vehicle against accidental or intentional damage caused by a third party. In the event that your vehicle is written off, your policy covers the costs of repairing or replacing it.
When you add our BetterCar Value option to your Comprehensive policy, you will be paid for an equivalent model that is one year newer .
Road Assist
Comprehensive cover includes rapid roadside emergency solutions so you’re not at a loss when things go wrong. If you’re involved in an accident, you can rest assured that we will tow your vehicle from the scene and cover the costs of subsequent storage.
We also have you covered if your car has a flat tyre or battery, or if you lock your keys inside the vehicle. We provide up to three call-outs per year for mechanical or electrical breakdowns. If we can’t fix the problem at the roadside, we can tow you to the nearest dealer. And if you're left stranded more than 100 km from home, we'll arrange and pay for transportation, accommodation, or a car hire for you and up to six passengers.

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



Comprehensive Car Insurance Benefits

You automatically get AutoSOS, an impact detector available through the Auto & General app that sends medical help in a severe accident.
How does a Third-Party Insurance claim work?
You must report the event to your insurer and provide the necessary details and documentation. Submit supporting documentation, including a police report, if relevant. The insurer will investigate the claim, determine liability, and compensate the third party for their damages or injuries, excluding coverage for your own vehicle.
Why should I get comprehensive insurance?
Comprehensive Car Insurance offers broad protection, covering your vehicle for accidents, theft, fire, natural disasters, and vandalism. It’s ideal if you want peace of mind and financial security, especially for newer or high-value cars.
Will comprehensive insurance cover vehicle engine failure?
Generally, comprehensive insurance does not cover mechanical breakdowns, such as engine failure, unless they are caused by a covered event, such as flood damage or fire. Routine wear and tear or poor maintenance are also excluded.
Will comprehensive insurance cover theft?
Yes, theft is typically covered under Comprehensive Car Insurance. If your car is stolen or damaged during a theft attempt, your insurer will usually pay out based on the vehicle’s insured value, minus any excess.
The Best Cover Gives Back - Get Cash Back Plus
Being covered is great, but it feels even better when you get rewarded for loyalty. Stay claim free for four years, and enjoy a cash back perk on us! Simply add Cash Back Plus to your policy to feel the benefits.

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