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Reliable Car Insurance

Get AutoSOS, our in-app impact detection benefit, when you take out Comprehensive Car Insurance with us.

We look after you at home, on the road, and anywhere else in South Africa with our Assist Benefits.

We will cover the towing and storage costs for your car if it has broken down or has been in an accident.

Auto & General Car Insurance

At Auto & General, we believe not everyone is the same. That is why we offer a range of car insurance packages tailored to suit your needs. At the top of our range is our Comprehensive Car Insurance. This cover offers everything you might want in your auto insurance and then some. You get cover against theft and hijacking, loss, accidental damage if you are in a collision, and third-party claims.


We even include hail damage cover as a standard in your policy – no need to add it as an additional extra. Your vehicle’s accessories, like the canopy on your bakkie, are also automatically included up to the limits stated on your schedule. You can add car hire to your policy if you like and we will also cover the costs to tow and store your car if you cannot drive it. 


Next up

Next up is Third Party, Fire & Theft. This cover is ideal if your car is not worth a fortune and is already paid off. That is because this does not cover your car if it is damaged in an accident. It will, however, payout if your vehicle is stolen and not recovered, damaged by fire, or if you damage someone else’s property in an accident.


Third-Party Only Car Insurance gives you exactly what it sounds like. If you cause an accident and damage someone else’s property, say their car, you could be held legally responsible to pay for the repairs or replacement. This product pays for those costs. You can even increase the limit if you want to. This is what experience looks like.




Car Insurance Benefits

Add Cash Back Plus to your car insurance policy and we will pay you out after four uninterrupted, claim-free years.

Over 50s get [email protected], the benefit that lets you remove basic excesses, covers your spouse, and more.

We stand by our Service Promise. We commit to always giving you the reliable service you deserve. If we break any of our promises to you, we’ll pay you R500.

Car Insurance Products

Comprehensive Car Insurance

If you want more out of your car cover, look no further than our Comprehensive Car Insurance. It comes standard with cover against theft, loss, accidental damage, and third-party damages

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Third Party, Fire & Theft

If you don’t need all the bells and whistles, consider our Third Party, Fire & Theft Car Insurance. We will cover most risks, but not damage to your own car.

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Third Party Only

Our most basic car insurance option, Third Party Only cover makes sure you are protected financially if you cause an accident and damage someone else’s property.

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Other Car Insurance products

This is our shortfall product. If your insurance payout is less than what you still owe on your finance in the event of theft or a write-off, Auto Top-Up covers the difference.

Keep those irritating little scratches, dents, and chips at bay with Scratch & Dent. We will pay to repair light damage to the body of your car.

Driving on our country’s deteriorating roads increases the likelihood of damaging your tyres and rims. When that happens, Tyre & Rim Guard is there to repair or replace them.

No matter what vehicle you own, a time will come when an electrical or mechanical part in it will break. This warranty pays a portion of the repair costs.

Frequently Asked Questions

Is there such a thing as cheap car insurance?

You might find car insurance that offers very cheap premiums, yes. However, you might pay for cheap car insurance monthly, but eventually it is going to end up being expensive car insurance.

Beware of cover that sounds too good to be true when it comes to price. You may very well be dealing with an insurer that does not pay out claims or that provides sub-standard service, and that is how they keep their premiums so low.

At Auto & General, we pride ourselves on offering affordable cover that is backed by our Service Promise.


Do I need to install a tracking device?

Comprehensive Car Insurance does not require you to install a tracking device in your vehicle, but it is advisable. Experienced insurers know that vehicle tracking is one of the most effective ways of combating theft as these devices increase the chance of your car being recovered. This reduces the risk your insurer takes when covering your vehicle and therefore your premium. A tracking device not only has the benefit of lowering your monthly premium, but also provides you with the peace of mind that the chances of recovery are high if it is lost to theft or hijacking.

How do I lower my car insurance premiums?

With the current tough economic times, many people are looking for ways to reduce their monthly costs. Instead of cancelling your car insurance altogether, consider the below options for lowering your monthly premiums:


  • Check your current market value of your vehicle against the amount it is insured for. It might help to adjust your premium to account for the depreciation of your car.

  • Opt for a higher excess amount. However, while this will decrease your monthly premium, you will be liable for paying a higher amount for repairs should your car be in an accident.

  • Don’t claim for small incidents. Claiming for minor damages, like scratches or windscreen chips, will increase your premiums. If you can, rather pay for these smaller expenses out of pocket.

  • Install a tracking device in your car. Adding an additional layer of security onto your car will help lower your monthly premium. 

  • Update your personal details. If you have moved to a different neighbourhood, have higher security in your home, or are not travelling as much, it is important to let your insurer know as these factors can lower your premiums. This also goes for any changes to your marital status.

  • Combine your car and household insurance. Bundling your vehicle insurance with your household insurance can often result in a more affordable monthly premium.

  • Avoid high performance cars. Naturally, high performance cars come with higher premiums due to their increased accident risk and high repair costs. Keep this in mind when considering a new car. Choosing a safer car (that is less likely to be stolen) is a better option if you want to keep your insurance premiums low.

  • Always keep your car insured. Gaps in your vehicle insurance history will increase your premiums when you do decide to take out car insurance again.

  • Use a car insurance premium calculator to compare different insurance options. You can then see whether there are any other suitable policies that are more in line with your budget.

What is the best car insurance?

In our experience, what works for one person does not necessarily work for another. Each type of car insurance comes with its own benefits and downsides. Comprehensive Car Insurance, for example, offers full coverage for nearly everything that might go wrong on the road. But it is also the most expensive type of cover. Third Party Only car insurance, on the other hand, is affordable, but it does not cover everything.


The best car insurance is the one that makes you feel certain in these uncertain times. You should feel you can rely on your insurance to pay out if you ever need to make a claim. If the time comes when you have an accident, the last thing you want to worry about is whether your insurance claim will be paid. That is the best car insurance in our books.


Will you pay me out in cash or buy another vehicle on my behalf?

Unfortunately, premiums tend to increase rather than decrease as a car gets older. Even though your vehicle loses its value, it actually becomes more expensive to repair as time goes on. This has nothing to do with your car and everything to do with inflation. As with everything, the cost of repairs and parts goes up over time. This means it costs more and more for us to repair your vehicle. We need to compensate for these rising expenses by raising premiums. This is usually done annually.

Learn more about Car Insurance

If you have your eye on a new vehicle or want to switch to Auto & General, try out our car insurance calculator for an accurate quote.

When you compare car insurance, be sure to take more than the price into account. Learn more about how to compare.

With the different types of car insurance available, how do you know which product is right for you? Use our guide to car insurance types to find out.

Read our Blog

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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.

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