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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 Young@Heart, 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

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.

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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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.

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