South Africa’s very own Budget Insurance

This is very much a personal choice. At Budget Insurance, we like to think we offer some of the best car insurance options in South Africa. We certainly offer one of the widest ranges of products. We have seven different cover options for all and every type of budget. Our highest level of cover starts with Comprehensive Car Insurance. The next step down is Third-Party, Fire & Theft insurance. After that, we have three Budget Lite options. Finally, we have Third-Party Only Cover, our most basic insurance plan, ideal if your budget is small and your car is older.

There is no single cheapest car insurance in SA. Your insurance quote depends on numerous factors that are out of our control, such as your age, gender, where you work, where you live, how you park your car, your credit record, your driving behaviour, and your claims history. Having said that, we are proud to offer one of SA’s lowest insurance quotes.* Try out our car insurance calculator today to get your quote and see how much you can save when you switch to Budget Insurance.

What your car insurance covers depends on the plan and insurer you choose. Every insurance company has its own products, each a little different and unique from the others. The most common things covered by car cover are theft and hijacking, accident damage, and third-party damage. However, not every plan offers cover for all of these risks.

Some insurers in SA, including us, allow you to add extra items to your policy to boost your cover. This can include car hire, hail damage and sound system cover, scratch & dent and tyre & rim policies, motor warranties, and more.

If you don’t own a car, you usually can’t get auto insurance in South Africa – even if you regularly drive somebody else’s car. This is because car insurers cover the vehicle and not the person. If you drive someone else’s vehicle, let’s say your parents’ or boss’s car, the owner of the car will need to take out cover themselves and add you as the regular driver on the policy. With Budget Insurance, this is easy enough to do. Simply log in to your online profile and you can update your policy yourself.

In South Africa, no one really knows exactly how many cars are not insured, but estimates put it at around 70%. That means for every 10 cars you see on the road, only three of them have cover! If someone crashes into your car and neither of you have car insurance, you’ll have to pay for all repairs from your own pocket. Couple this with the country’s high accident rate and it’s only a matter of time before you’re involved in a collision.

If you don’t have car insurance and cause an accident with someone else, that person can hold you legally liable to cover the costs of the repairs. Now imagine crashing into a Maserati and paying to fix it.

You need car insurance in South Africa ‘cos you can’t afford not to!