Insurance

Compare insurance in South Africa

Compare South Africa's biggest insurers across car, home, life and funeral cover — editor scores, claims record, pricing and value-added benefits.

Written by

MoneyWise Editorial Team

SA Personal Finance Desk

Fact-checked

Faatimah Hendricks, CFP®

Independent reviewer

Last updated

3 August 2026

4 insurance providers

Methodology

How we review

50+ data points scored

DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.

What matters most

What to look for in a insurance provider

1Editor score across price, cover and customer service.
2Independent customer-satisfaction data (SAcsi, Ombudsman).
3Transparent fees and no lock-in clauses.
4Match to your situation — best-for tags reflect real use cases.

Editor's awards

Best insurance for…

Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.

Best overall

Discovery

4.7

Why it winsHighest editor score (4.7/5) across cover, value and service.

Best for peace of mind

Santam

4.6

Why it winsTrusted SA name with strong claims handling and comprehensive cover focus.

Sort

ProviderRatingBest forMonthly est.Action

Editor's pick
Discovery
Vitality across car, life and health
4.7
Rewards
Varies by product
Santam
Largest short-term insurer in SA
4.6
Comprehensive cover
Varies by product
OUTsurance
Car, home and business in one
4.5
Bundling
Varies by product
Old Mutual
Life, funeral and short-term
4.3
Life and legacy cover
Varies by product

Ready to compare insurance?

Spec sheet

Side-by-side comparison

Compare the exact insurance features that matter — prices, cover, rewards and more — column by column.

Highlight best per rowSort

Insurance providers	D Discovery 4.7 Editor	S Santam 4.6	O OUTsurance 4.5	O Old Mutual 4.3
Best for	Rewards	Comprehensive cover	Bundling	Life and legacy cover
From / month	R596	R502	R511	R485
Claim turnaround	3–5 days	3–5 days	Same day	Same day
Standard excess	R6000	R6500	R5500	R5500
Rewards programme	Included	Included	Included	Included
Roadside assistance	Included	Included	Included	No
App rating	4.2	4.8	3.9	4.5
Apply

Discovery

Rewards

4.7

From / month: R596
Claim turnaround: 3–5 days
Standard excess: R6000
Rewards programme: Included
Roadside assistance: Included
App rating: 4.2

Santam

Comprehensive cover

4.6

From / month: R502
Claim turnaround: 3–5 days
Standard excess: R6500
Rewards programme: Included
Roadside assistance: Included
App rating: 4.8

OUTsurance

Bundling

4.5

From / month: R511
Claim turnaround: Same day
Standard excess: R5500
Rewards programme: Included
Roadside assistance: Included
App rating: 3.9

Old Mutual

Life and legacy cover

4.3

From / month: R485
Claim turnaround: Same day
Standard excess: R5500
Rewards programme: Included
Roadside assistance: No
App rating: 4.5

Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.

Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.

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