Naked Car Insurance Alternatives

Looking for car insurance like Naked? Compare top app-based alternatives including Pineapple, King Price & more.

We’re fighting the urge to make obscene nudity jokes to tell you the bare details of car insurance in South Africa. Allow Pineapple to uncover the stark naked truth about the future of South Africa’s car insurance industry.

Why Look Beyond Naked? The Future of Car Insurance in South Africa

Looking for car insurance that doesn’t require you to get undressed? Insurance providers like Pineapple and King Price are some alternatives to Naked’s insurance. 

The truth is, South Africans are spoiled for choice when it comes to digital insurance options. Unlike traditional methods, online insurance uses technology to offer streamlined, more personalised and convenient insurance solutions.

But not all app-based insurance policies are made equal. 

So, whether you’re a budget-conscious buyer, looking to compare policies, or just have some time on your hands, we’ve got you covered. 

Here are South Africa’s leading alternatives, with a special focus on app-based insurance providers like Pineapple.

TL;DR – Our version of “I’m not reading all that, *SparkNotes pls.”

*Pricing varies by vehicle and location. Always compare quotes directly.

**Disclaimer: Car insurance prices are subject to change. While we aimed for comprehensive data, some quotes were not readily available at the time of writing (May 2025) and may impact the overall comparison. 

Who is Naked Insurance? SA’s Most Talked-About App-Based Insurer

The streets of Johannesburg are flooded with bright green billboards describing South Africans seemingly undressing in public. This, however, isn’t a promotion of public indecency but Naked Insurance’s above-the-line marketing campaign. 

Founded in 2016, Naked has been on a mission to build insurance people love, “[w]ith sh*t-hot tech and a talented team, we’re flipping the old insurance model on its head to build something that actually does what it’s supposed to”.

Naked enhanced value for money by using technology and an unconflicted business model to help people experience insurance positively.

Their mobile-first approach to insurance has helped simplify complex processes. Instead of insurance feeling like a chore, their digital offering makes coverage possible with a quick tap of a few buttons.

So, how do South Africa’s other insurance providers compare? Let’s investigate.

Top 6 Alternatives to Naked Insurance Compared

The table below shows how South Africa’s other app-based or  

*Pricing varies by vehicle and location. Always compare quotes directly.

**Disclaimer: Car insurance prices are subject to change. While we aimed for comprehensive data, some quotes were not readily available at the time of writing (May 2025) and may impact the overall comparison. 

Pineapple: Online Insurance That’s Accessible, Fast and Fair

Provider Overview

Pineapple has quickly become the fan-favourite in marketing spaces, and their product offering is just as good. 

One of Pineapple’s core beliefs is that insurance should be accessible to everyone, everywhere. That’s why Pineapple is available on every major app store and online and has channels like WhatsApp—this is the multi-channel or all-channel insurance approach.

Pineapple’s CEO, Marnus van Heerden, said, “No matter who you are, where you’re located, and how you would like to buy your policy—a great all-channel provider caters to any preferred method of engagement.”

Coverage Breakdown

Pineapple offers fully comprehensive insurance, providing protection against accidental damage, third-party accidents and non-collision-related events like extreme weather (including hail), fire, theft, vandalism and hijackings. 

Policies also include free 24/7 emergency roadside assistance and Drive Less Get Blessed (30% of your premium back for driving under 300 km per month).

Pineapple is all about offering premium insurance at a fraction of the cost. Clients can also insure individual items (a.k.a. All-Risk Cover), providing flexibility and saving money by not over-insuring. Plus, you get a discount on your monthly car insurance premium for insuring multiple cars. 

Coverage starts from a daringly low R570 per month*; that’s R19-ish a day for fully comprehensive coverage!

If you don’t believe me, get a quote now and see for yourself. As a matter of fact, let me help you out: click here.

*Premium is risk profile dependent.

Unique Features

But convenience is only the beginning. In addition to affordable coverage, Pineapple’s car insurance benefits include:

• Mobile-first experience. You can get a quote, buy a policy, update your details and claim all on your phone. 
• Transparent and affordable pricing. Your monthly insurance premiums are based on your risk profile, making our pricing fair. This means you pay for the cover you need.  
• Pineapple rewards. The Drive Less, Get Blessed benefit is Pineapple’s cash back refund of up to 30% when you drive 300 kilometres.

Looking for affordable comprehensive car insurance? Pineapple’s 100% the insurance for you.

User reviews

“I was worried when I could not get a contact number for Pineapple. The chat option is very worth it and saves a lot of time. Great service received!” —- Nomthandazo, Hellopeter, ⭐⭐⭐⭐⭐ 30 May 2025 

For more, check out Pineapple’s page on Hellopeter.

Dotsure: Flexible Car Insurance Solutions

Provider Overview

Dotsure aims to revolutionise the insurance industry through technology. They offer flexible coverage, allowing you to customise your insurance. Dotsure aims to create seamless insurance experiences by catering to a tech-savvy audience looking for convenience and control in their insurance services.

Coverage Breakdown

Dotsure asks, “Why pay for what you don’t use?”

They allow you to remove coverage you don’t benefit from, such as hail and weekend cover, for example, meaning you only pay for the insurance you need.

Dotsure offers various car insurance coverage options for drivers from all walks of life. Motorists can opt for the classic Comprehensive Coverage (protection against accidental loss or damage to the insured vehicle due to a specific insured event) or the similarly crafted Comprehensive Cash Settlement option (once-off cash payment to settle valid claims). 

‍Other options include Third Party, Fire and Theft, Third Party Only and Total Loss.

Unfortunately, we couldn’t find any ‘starting from’ prices anywhere online. However, Dotsure does offer competitively priced, comprehensive car insurance that clients can further customise to suit their budget.

Unique Features

• Name Your Price. You can set a target premium, and Dotsure will adjust cover to match (within limits).
• Dotsure Car Insurance Benefits. Pothole protection, alerts to new traffic fines and reminders to renew your license.
• Online discount. Dotsure also promises up to a 20% lifetime discount on car insurance premiums when you buy online.*

User reviews

“Very good service and assistance 👍” — Demar, Hellopeter, ⭐⭐⭐⭐⭐ 30 May 2025 

For more, check out Dotsure’s page on Hellopeter.

Santam Switch: Switch Your Cover On and Off

Provider Overview

In 2020, Santam acquired a majority shareholding (51%) in JaSure (established in 2018), an app-based digital insurance provider offering insurance for motor vehicles and portable possessions (cellphones, laptops, photographic equipment, bicycles, musical instruments) among others. The company was rebranded to Santam Switch, thus birthing a new insurtech (insurance technology) company.

Coverage Breakdown

Santam Switch provides comprehensive car insurance with the added benefit of giving you more control. How? You can switch your coverage on/off, depending on your usage.

Santam Switch is ideal for drivers with fluctuating usage patterns. 

You simply pay for what you need, saving you money for the times you’ve opted to switch your coverage ‘off’–thus, the same ‘Santam Switch’. To put this into context, you can turn your insurance ‘off’ when your car is stationary, meaning you save when your vehicle is parked.

Unique Features

• Online Insurance Coverage. No phone calls, no paperwork—everything happens on the app. 
• Toggle Your Cover. Santam Switch allows you to turn your cover on and off based on where you drive and park.

User reviews

“Amazing service by Ebrahim Jamodien, Santam is highly recommended” — Clinton, Hellopeter, ⭐⭐⭐⭐⭐ 31 May 2025

For more, check out Santam Switch’s page on Hellopeter.

Oneplan: Flexible Premiums, Total Control

Provider Overview

Since selling its first policy (a health plan) in 2009, OnePlan has added car and home insurance products to its repertoire. OnePlan believes in simple insurance that’s easy to use, understand and apply.

Coverage Breakdown

Oneplan believes that insurance should make life easier, not more complicated. That’s why they give simple and affordable insurance plans without sacrificing quality. 

OnePlan has designed its car and household insurance to let you choose and manage your premium directly from your smartphone through its app or online self-service portal.

Their car cover, specifically, is adjustable, letting you add as much as you can afford with their flexible cover slider.

Unique Features

• Digital Convenience. To get covered, you snap a selfie of your car and sign up through the Oneplan App.
• Flexible Premium Slider. You can choose how much cover you want and what premium (your monthly payment) best suits your budget.

User reviews

“Recently took a Oneplan insurance. I’m very happy with the service I have received so far. Great service from Palesa.” — Teboho, Hellopeter, ⭐⭐⭐⭐⭐ 30 May 2025

For more, check out OnePlan’s page on Hellopeter.

King Price: Monthly Premium Decrease 

Provider Overview

After thinking, ‘Our cars are worth less each month, so why should we keep paying more to protect them?’ Gideon Galloway founded King Price in 2012. Since then, King Price has introduced more coin-saving products like R1 insurance, pay-as-you-drive cover, and more to help South Africans save.

Coverage Breakdown

King Price offers comprehensive car coverage with a promise that your premium will decrease monthly as your car loses value. This coverage protects you against accident damage, theft and hijacking. 

It also covers damage you may accidentally cause to other cars or property. 

King Price also offers third-party, fire and theft, third-party only, collectable car insurance, and theft and write-off. Then there’s optional extra cover for car hire, car warranty, credit shortfall, sound equipment, and other equipment.

Lastly, King Price promises discounts of up to 20% for comprehensively covering more than one vehicle with them.

Unique Features

• Monthly Decreasing Premiums. King Price promises premiums that decrease monthly as your car loses value.
• King’s Cab. King Price’s designated driver service will safely drive you and your car into your driveway.

User reviews

“The service was wonderful  and I  compared to other insurances I received  a fair deal which made my day thank you King Price” — Mosimo, Hellopeter, ⭐⭐⭐⭐⭐ 31 May 2025

For more, check out King Price’s page on Hellopeter.

Momentum: Rewards for Healthy Habits

Provider Overview

Momentum Insure has taken a holistic approach to safety and short-term insurance. They provide benefits that make you feel safe so you can live confidently.

Momentum Insure offers car insurance solutions, from fully comprehensive coverage to no excess on selected cover options suited to your budget, lifestyle, and stage of life.

Unique Features

Momentum’s short-term insurance options offer tailored protection to fit your lifestyle and keep you and your loved ones safe. Plus, you can earn up to 30% cash back on your paid premiums yearly (even if you claim). 

Coverage benefits roadside, home, medical and legal assistance 24/7/365, plus their Safety Alert’s panic button keeps you and your loved ones safe when feeling unsafe.

• Safety Alert Panic Button. Available on the Momentum App, this button gives you and a loved one unlimited access to 1,800 armed responders.
• Gain Even When You Claim. Momentum allows you to join Safety Returns for free and earn up to 30% cash back on your paid premiums yearly, even if you claim.

User reviews

“I have been so impressed with Momentum. It’s not only [about] what the company does and how they try to help the individuals. I was just on a call with them for some assistance and Tshegofatso helped me. She was a real blessing and made me feel calm and answered all my questions. Thank you.” — Hancke, Hellopeter, ⭐⭐⭐⭐⭐ 30 May 2025

For more, check out Momentum Insure’s page on Hellopeter.

Why Choose Pineapple? Digital Cover That’s Fast, Fair, and Flexible

Since 2018, Pineapple has assisted thousands of first-time drivers and newbie insurance buyers with getting the best car coverage. 

We’re not going to act like insurance isn’t a grudge purchase, as in, “I know I need this, but it doesn’t give me instant gratification.” 

Or does it? 

Car insurance is there to restore you to the economic position you were in before a loss. If your car suffers damage or is a write-off, this small monthly fee will get you back on your feet. 

So, we ask, what could be more satisfying than knowing you can comprehensively cover your car for as little as R589 monthly? Pineapple’s affordable car insurance premiums mean you get the protection you need at a fair price.

Plus, you can get a cashback refund of up to 30% if you drive under 300 k/m per month.

Other Pineapple car insurance benefits include:

• 3rd party vehicle damage up to R5 million
• 24/7 emergency roadside assistance and accommodation
• Weather-related damage, including hail coverage
• Vehicle hire
• Credit shortfall cover

The best part? It only takes 90 seconds to get a quote.‍

Choose Pineapple’s budget-friendly, comprehensive cover for your vehicle insurance needs now. Or don’t, the choice is yours. But the safer option is to have your car insured by Pineapple.

Are you already insured somewhere else? Compare your quote now and see if Pineapple can save you a buck or two.

Frequently Asked Questions About Car Insurance Alternatives

1. What is the best alternative to Naked Insurance?
   Naked Insurance is known for easy insurance sign-ups for people who don’t necessarily want to engage over the phone. Insurance providers like Miway Blink and Pineapple offer a similar process, where your quote, cover, and claims are all app-based. There are no phone calls or paperwork, just simple insurance at your fingertips.
2. Is Pineapple better than Naked?
   While both are relatively new to the insurtech space, Pineapple uses a peer-to-peer insurance method, while Naked focuses on more traditional insurance but with tech. Which is better depends on individual insurance needs and policy references.
3. What car insurance apps offer cashback?
   South African car insurance providers offering cashback include:
   1. Pineapple. Drive Less, Get Blessed: up to 30% cashback refund of your premium for driving under 300 km per month.
   2. MiWay Insure. Micashback™ – get 10% cashback every 2 years on your premiums*.
   3. Momentum Insure. Earn up to 30% cashback on your paid premiums yearly, even if you claim.
   4. ABSA. Activate: Get up to 40% cash back on your driving.

4. How does usage-based car insurance work in South Africa?
   Instead of relying on broad demographic data, or risk profile, like age, location and vehicle type, usage-based insurance (UBI) aims to personalise car insurance. UBI uses technology to monitor your driving habits and mileage, then calculates your premiums based on the information collected. Good driving behaviour will result in a good score and can lower car insurance premiums.

5. Can I switch insurers online without a broker?
   Numerous insurance providers offer online portals and app-based services, so switching insurers is possible without a broker. Switching insurers online without a broker is not only cost-effective and convenient but also gives you complete control over your car’s insurance protection.

Final Thoughts: Your Insurance, Your Way

Ratings and reviews can guide your decision, but ultimately, the best alternative insurance is the one that suits your budget, provides the best protection and has benefits to sweeten the deal just a tad more than its competitors.

Simply, there may not be a “best” online insurance, but there is one that’ll be right for you!

Whether you value simplicity, control, or rewards, insurance should make your life and driving easier. And if cashback rewards are your kind of thing, insure with Pineapple today. 

Get a quote in 90 seconds and insurance in under 5 minutes!

Disclaimer: The information in this article was obtained from the respective insurers’ websites and reflects the status at the time of writing. Please be aware that products, services, and offerings are subject to change and may have evolved since this article’s publication date. We recommend consulting directly with the insurance providers to obtain the most up-to-date and accurate information. The publisher of this article assumes no responsibility for any discrepancies or changes in the information provided or for any reliance placed on this information.

Please note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice. 

Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply.