✅ 100% digital process: quote, buy and claim from your phone in minutes
✅ Competitive monthly premiums starting from R15 for single items
✅ Pause your car accident cover anytime with CoverPause and save up to 50%
✅ Fast, fair claims, often approved directly through the app
✅ The “Naked Difference”: unused premiums donated to causes you choose
Why do we recommend Naked insurance?
Naked is changing the way South Africans think about insurance. Forget long calls and complicated paperwork, everything happens through their sleek mobile app. You can quote, pay, and claim in just a few taps, with full transparency on every step.
Their model is refreshingly fair: Naked takes a fixed fee from your premium and uses the rest solely for claims. If the total amount collected is higher than claims paid, the surplus goes to charities you help select. It’s a win-win for customers and the community.
The combination of AI automation, user control, and ethical pricing makes Naked one of the most trusted and forward-thinking insurance providers in the country.
Types of insurance offered by naked
Car insurance: Naked’s car insurance lets you choose the coverage that fits your lifestyle, comprehensive, third-party, fire & theft, or third-party only. You’re protected against accidents, theft, weather damage, and more. Plus, their exclusive CoverPause feature allows you to pause accident cover when your car isn’t in use, reducing your monthly premium by up to 50%.
Home insurance (contents and buildings): Protect both your home and what’s inside it. Building cover safeguards your property structure from fire, storms, and vandalism, while home contents cover ensures your furniture, electronics, and valuables are protected from theft or damage. Many customers combine both for full peace of mind.
Single-item insurance: Perfect for protecting individual high-value items such as smartphones, laptops, or cameras. Coverage starts from only R15 per month, and you can easily add or remove items in the app whenever you want, no paperwork or waiting periods.
These three flexible options make it easy to protect what matters most, your car, your home, and your personal possessions, all managed in one place.
Writer’s view
From a financial perspective, Naked represents the new face of general insurance. It’s reliable, backed by Hollard, one of South Africa’s biggest insurers, and its AI-driven model reduces overhead costs, making premiums more affordable.
Customers love the simplicity: no middlemen, no upselling, and no fine print. The claims process is among the fastest in the industry, with payouts often processed within hours. Transparency and fairness are the cornerstones of Naked’s reputation, a rare quality in traditional insurance markets.
Suppose you insure your car valued at R250,000 with a monthly premium of R800 and an excess of R5,000. If it’s stolen or written off, you’ll pay the excess and receive the remaining balance at full retail value. For home contents, you might pay R90/month for R150,000 in coverage, while a single-item gadget like a laptop worth R20,000 could cost as little as R25/month.
Take the next step!
Protect what matters, the smart, fair way. If you’re ready to experience digital insurance that’s easy, transparent and community-driven, visit Naked today. Get a real quote in under 90 seconds, no agents, no paperwork, just total peace of mind.