Car prices are up. Interest rates are up. Fuel is… You guessed it, up. So, it’s no surprise that all South African drivers (well, almost everyone) are looking for ways to cut costs. It’s even less surprising to learn that car insurance is the cost that’s most often heaved onto the chopping block. But if you’re tempted to ditch your comprehensive cover, let’s hit pause and look at what you’d really be giving up.
Here’s what the king’s comprehensive car insurance still offers in 2025, and why it’s more
valuable than ever.
First check: Theft and hi-jacking risks aren’t going anywhere
It might sound dramatic, but here’s the truth. If you drive in South Africa, you’re at risk of having your car stolen. The South African Police Service (SAPS) reported 4,533 hi-jackings between January and March 2025 alone. That’s slightly down from the previous year, but it’s still more than 1,500 incidents every month. So yes, the risk is real. And if you don’t have cover for theft and write-off, you could be left without a car… And still owe the bank.
Not ideal.
The value? Comprehensive car insurance from the king covers theft, hi-jacking, and attempted theft. If your car is stolen or written off, you won’t be left to deal with the financial woes on your own.
Second check: The problems are still problemming
South African roads are brutal in some areas, or most areas. Potholes, missing signs, and damaged traffic lights aren’t just inconvenient… They actually play a real role in increasing your chances of an accident. And if you’re only covered for third party damage, you’ll be paying to fix your own car after a nasty bump.
You’d think that these problems would get fixed, decreasing your risk. But no. The problems like loadshedding and potholes still be problemming, and they’ll probably be problemming in the future.
The value? Comprehensive car insurance pays for accident damage to your car, even if the accident was your fault and your claim is valid.
Third check: Weather-related claims are on the rise
Spring and summer might sound like a good sunny time in South Africa, and for sure these seasons are amazing. But ja, it’s also peak time for hailstorms, flash floods, and strong winds.
This kind of weather is what causes things like trees falling on cars, downpours flooding garages, and hail piercing windshields and bonnets.
None of the third party and theft only car insurance options are going to help you.
The value? Comprehensive car insurance covers damage from natural disasters, whether you’re on the road or parked at home.
Check numero 4: Covered parking
A reckless driver clips your car door in a parking lot, or a kid (maybe it’s your kid) sees your rear screen wiper and decides to hang off it. Or a kid (again, maybe it’s your kid) throws stones near your driveway and hits a home run that breaks through your passenger window.
And then there’s the classic scenario involving your neighbour reversing into your bumper.
These things happen. A lot. And they’re usually not your fault.
The value? The beauty of comprehensive insurance is that it doesn’t matter who caused the damage. If your car’s bumped or scratched, you can log a claim and get back on track.
Final check: There’s more flexibility than you think
For all the value we’ve highlighted here, you should know that not all comprehensive policies are created equal. With King Price, you can choose the extras that matter to you.
Like car hire after a valid claim when your car needs to be repaired. Or tyre and rim cover for navigating dodgy roads. You can also choose your excess (and influence your monthly premium), which is a big win.
The king has your back
Sure, there are cheaper cover options out there. But saving a few rand now could cost you thousands later. With our royal comprehensive car insurance, you’re not just protecting your car and your wallet, you’re also buying peace of mind.
Want royal cover that doesn’t cost a king’s ransom? WhatsApp us on 0860 50 50 50 or click here for a commitment-free quote. No pressure. Just good advice.
FAQs
- What’s the difference between comprehensive and third party car insurance?
Comprehensive covers your car and third parties. Third party only covers other people’s cars if you’re at fault.
- Does comprehensive insurance include theft?
Yes. Theft, hijacking, attempted theft, and vandalism are included in King Price’s comprehensive cover.
- Will my premium go up if I claim?
It could. But that depends on your claim history, the type of claim, and whether you were at fault.
- Can I choose to exclude some extras?
Yes, King Price offers optional add-ons like car hire, scratch and dent, and credit shortfall. This way, you only pay for what you need.
- Does my cover apply if someone else is driving my car?
Yes, as long as the person driving has a valid SA licence and your policy doesn’t restrict cover to nominated drivers only.