Personal insurance
Think you're paying too much for car insurance?
Let's find out. We compare South Africa's leading insurers — on price, yes, but also on what they actually cover.
- Comprehensive cover
- Theft & hijacking
- Accident damage
Most people only review their car insurance after a premium increase, buying a new vehicle or hearing about somebody else's claim nightmare. That's usually when the questions start: Am I paying too much? Do I have the right cover? And will my insurer actually pay if something goes wrong?
As independent brokers, we compare South Africa's leading insurers — not just on premium, but on what's actually in the policy. Whether you're looking for comprehensive cover, third-party insurance or just better value than you're currently getting, we'll help you make sense of the options.
What Car Insurance covers
Comprehensive cover
Damage to your own car plus theft, hijacking, fire and third-party claims — the widest protection available.
Theft & hijacking
Replacement or a cash settlement if your vehicle is stolen or hijacked, a very real risk on SA roads.
Accident damage
Repairs after a collision, whether the accident was your fault or someone else's.
Third-party liability
Damage your vehicle causes to other people's cars or property, which can run into the millions.
Weather & fire
Hail, flooding, storms and fire damage — increasingly common with SA's extreme weather.
Optional extras
Car hire while you're off the road, roadside assistance, and cover for sound systems and accessories.
Who car insurance is for
- Drivers wondering whether they're paying too much
- People buying a new vehicle
- Anyone who wants to compare their current cover
- Drivers who want real support when they need to claim
Car Insurance FAQs
Do brokers make car insurance more expensive?
Not necessarily. In many cases, the premium is exactly the same as going direct. Some brokers charge a broker fee, which must be agreed with you upfront. That's the easy cost to see. The expensive cost is finding out after a claim that you had the wrong cover all along.
Why did my car insurance premium go up when I didn't claim?
You're not imagining it. Premiums can increase even if you haven't claimed. Inflation, vehicle theft trends, repair costs, weather events and where you live all play a role. The good news? That's exactly why using a broker helps. We compare insurers regularly to make sure you're still getting the right cover at the right price.
I've been with the same insurer for years. Should I shop around?
Maybe. Loyalty is great in relationships. Insurance is a little more complicated. Cover, pricing and insurer appetite change all the time. If you haven't reviewed your insurance in a few years, it's worth checking whether you're still getting good value.
Do I really need a broker for car insurance?
That depends. If you enjoy comparing policies, reviewing cover, negotiating premium increases and spending time on hold with call centres, you probably don't need a broker. If you'd rather have someone do that for you, that's where we come in.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related personal cover
Not sure if you're paying too much?
Send us your details. We'll do the comparing.
Send us your details and one of our brokers will review your current insurance, compare your options and get back to you. No bots. No call centres. No obligation.
- Call us0861 112 466
- Email us[email protected]
- Office hoursMon–Fri, 08:00–16:30