Protect your vehicle with flexible, affordable car insurance designed for South Africans.
Flexible car cover that fits your budget
Fast, fair claims you can track online
Extra benefits like roadside assist included
When it comes to car insurance, there are many options out there. But only one offers premiums that actually decrease monthly as your car loses value. That’s right.
At King Price Insurance, our comprehensive car insurance is designed to be fair, logical, and super simple.
You pay less every month for the same royal service. Lekker, right?
Whether you want full cover for your car, just the basics, or something in between, we’ve got you covered.
We’re the only insurer in South Africa that offers decreasing premiums monthly.
We offer 6 types of vehicle insurance to suit all needs.
Optional extras? Of course. Like scratch & dent, car hire, R1 insurance and more.
You can save up to 20% when you insure multiple cars.
Our royal client service is available 24/7/365.
Scratch and dent insurance: Covers minor cosmetic damage.
Tyre and rim insurance: For damage caused by road hazards.
R1 insurance: Insure your bicycle, hearing aids, golf clubs, or motorbike gear for only R1/month when you have comprehensive car or motorbike insurance.
Car hire: Get a rental car while yours is being repaired.
Shortfall cover: Covers the difference between your car’s value and what you still owe the bank if it’s written off or stolen.
Specified radio: Keep your sound system safe and covered.
Car insurance is a financial product that protects you, your vehicle, and others from the financial consequences of accidents, theft, or natural disasters. At its core, it’s an agreement between you and your insurer where you pay a premium in exchange for cover against specific risks. Depending on your chosen policy, it can include repairs for damage to your own vehicle, damage to other vehicles or property, replacement in the event of total loss, or cover against fire and theft.
South Africa has one of the highest vehicle accident rates in the world, and yet, there is no legal requirement for car owners to have insurance. This puts many drivers at risk of large, unexpected costs. With high crime rates, including vehicle theft and hijacking, plus expensive repair costs and frequent natural disasters like hailstorms, car insurance is not a luxury, it’s a necessity. Without it, even a minor accident could set you back financially. Having reliable car insurance gives you peace of mind, financial protection, and practical support when the worst happens.
At King Price, we don’t believe in one-size-fits-all cover.
That’s why we offer 6 tailored car insurance options that match different lifestyles and budgets:
Ideal for: New, high-value, or financed vehicles. Comprehensive cover protects you against a wide range of risks: accidental damage, fire, theft, hijacking, third-party liability, hail, and natural disasters. The standout benefit? Your premium DECREASES monthly as your car’s value depreciates.
Ideal for: Classic or collectable vehicles. Agreed value car insurance locks in your vehicle’s value upfront for three years. That means, in the event of a total loss, you’ll receive the full agreed value, even if the market value of your car drops. It offers stability and certainty for high-value car owners.
Ideal for: Cost-conscious vehicle drivers looking for essential protection.
This car cover covers total loss scenarios such as theft, hijacking, or if your vehicle is declared a write-off. Note: It does not cover minor car accidents or repairable car damage unless it’s a total loss.
Ideal for: Older cars not worth insuring for accident damage. It covers fire, theft, hijacking, and damage you cause to someone else’s property, but not damage to your own vehicle. It’s a smart option for cars with lower resale value that are still on the road often.
Ideal for: Budget-conscious vehicle owners and students. It’s the most affordable car insurance cover option from the king of insurance. It only covers the cost of damages you cause to other people’s property. Great if you need to meet legal obligations as a driver or drive infrequently.
Ideal for: Rare or vintage cars. This flexible car cover option insures high-value, seldom-driven cars and charges premiums based on how much you drive your collectable car. The less you drive, the less you pay. It includes car accidents, theft, hijacking, and third-party liability. Find out more here.
We’ve simplified the insurance process to just three easy steps:
Use our online tool or WhatsApp to receive a customised quote in minutes.
Pick the car insurance option that suits your lifestyle and set your preferred excess level to adjust your premium.
Our car insurance claims process is transparent and supported by 24/7 assistance. Our average claim payout time is just 5 days for cars.
Understanding what drives your premium can help you make cost-effective decisions:
The type, make, model and age of your car
Where you live and park (security features matter!)
How far and how frequently you drive
Your past claims history
Your chosen excess (higher excess = lower premium)
Use of the car (private vs. business use)
Who the regular driver is (this must be accurate)
Optional extras you include (car hire, R1 cover, etc.)
Updating your personal details regularly
We’ve simplified the insurance process to just three easy steps:
Your monthly premium drops as your car’s value depreciates (exclusive to King Price).
24/7 roadside, accident and medical assistance nationwide.
Get towed to a safe, approved panel beater after an incident.
Hail, storm and other natural damage is covered (if selected).
Add cover for golf clubs, hearing aids, bicycles, and more for just R1/month.
Stay mobile while your vehicle is being repaired.
Use our app, website or WhatsApp to view or edit your cover anytime.
Saving on your car insurance doesn’t have to be complicated. Follow these expert-backed strategies to keep your premiums low and still enjoy robust cover:
Opt for theft and write-off insurance:
Ideal for budget-conscious customers, this can reduce your costs by up to 53%.
Remove non-essential extras:
Skip add-ons like car hire if you don’t need them.
Bundle up:
Insure more than one car and you could receive up to 20% off.
Update your policy:
Check for old, irrelevant items still listed that may be inflating your premium.
Adjust usage details:
Inform us if your vehicle is now used less often or has shifted from business to private use.
Switch to fire and fury home contents insurance to reduce your household policy and save up to 48%.
Review and revise your details:
Changes in marital status, residential address, or car usage affect your premium.
Go digital:
Manage your policy online or via WhatsApp and take control of your car insurance in real-time.
R8 million paid out DAILY in claims
Industry-low 5% overturn ratio at OSTI (95% claims accuracy)
Over R332 million saved through decreasing premiums
10/10 trust score on HelloPeter with over 130,000 reviews
Award-winning service: Best of Pretoria winner 2024 & 2025
Refer friends and get R1,000 cash per successful sign-up
Fully digital policy management for your convenience
Fast, fair, reliable claims support with average 5-day turnaround
No, but considering the risks, it should be. You could face huge financial losses without it.
Comprehensive covers your vehicle and others. Third party covers only what you damage.
Yes, if they’re licensed and approved by your policy.
It’s based on your risk profile, vehicle, location, driving behaviour, and more.
It’s the amount you contribute when claiming. Choosing a higher excess lowers your premium.
Absolutely. Contact us anytime to adjust your cover as your needs change.
That’s considered business use. Let us know so we can adjust your policy accordingly.
Yes! Earn R1,000 per successful referral. There’s no limit to how much you can earn.
Start today and enjoy complete peace of mind, every time you hit the road. Quote. Set. Go.