If there’s 1 thing South Africans love, it’s security. We gate it, we lock it, we track it, we neighbourhood-watch it… And then, because we actually want to sleep at night, we insure it.
Insurance might not be as exciting as a Saturday braai or a Sharks vs. Bulls derby, but it’s right up there with the great South African essentials. If you’ve ever felt the panic of misplacing your phone, reversing into a pole that definitely wasn’t there yesterday, or watching a hailstorm approach like a team of toddlers running full speed at you, then you already know why.
Today, we’re unpacking the most insured things in Mzansi and giving you a proper laugh while we remind you why insurance isn’t just smart… It’s survival.
And don’t worry, the king’s got your back every step of the way.
Cars: The crown jewel of SA insurance
South Africans insure their cars like they’re part of the family. And honestly, can you blame us? With potholes that could swallow a bakkie whole, taxis that appear out of nowhere, and hailstones that fall like they’re trying to make a point, our cars deserve royal protection.
It’s no surprise that car insurance sits at the top of the list. In Mzansi, your car isn’t just a car. It’s your school-run shuttle, your grocery getter, your weekend escape steed, your traffic-jam companion, and sometimes even your therapist.
King Price clients have a range of car insurance options to choose from, like comprehensive, third party, fire and theft, agreed value and more. That’s because Saffas know that if something’s going to go wrong, it’ll go wrong spectacularly. Better to be covered, hey?
Home contents
We take our couches, TVs, appliances, and mismatched Tupperware very seriously. Home contents insurance is massive for us, because we all know 1 golden rule: If you love it, insure it. If it costs more than R200, definitely insure it.
Think of everything you’d lose if your house was turned upside down… Then insure all of that. That’s literally how home contents insurance works.
Buildings: Because bricks are expensive
If home contents covers what falls out when you flip the house, buildings insurance covers the stuff that stays put… The walls, floors, ceilings, roof, garage, taps, fitted items and all the lovely bits that cost actual real-life money to fix.
Buildings insurance is 1 of the most insured categories in South Africa because homeowners know a single storm can turn a roof tile into a frisbee headed straight for your bank account.
And let’s be honest… After hearing the cost of replacing a burst pipe, most of us phone our insurer faster than we phone our mothers back.
Cellphones: Because if you lose your phone, you basically lose your whole life
Do you know what South Africans can’t live without?
Wi-Fi? Yes.
Biltong? Also yes.
But the real treasure? Our phones.
Cellphones are among the most insured personal items in the country. Why?
Because we take them everywhere, and we drop them on everything. Tiles. Pavements. Shop floors. Parking lots. Braai areas. Toilets (don’t lie, it’s happened).
And if someone so much as jogs past you too quickly in public, your hand grips your phone like it’s a national treasure. With portable possessions insurance, South Africans keep their phones protected both inside and outside their homes. Smart move, because a screen replacement can cost more than a weekend away.
Laptops, jewellery and other portable treasures
Next on the list of Mzansi’s most insured things: Personal goodies we’d panic being without.
This includes:
- Laptops.
- Watches.
- Jewellery.
- Cameras.
- Sporting equipment.
- Designer sunglasses.
- Random gadgets that we swear we need but actually don’t.
These items travel with you, which means the odds of something happening increase dramatically… The king knows this, which is why portable possessions insurance is such a firm favourite.
Also, nothing humbles you faster than realising your laptop bag fell off the car seat and smashed on the floor. Insurance saves the day again.
Trailers, caravans and holiday gear because we love a road trip
If there’s 1 thing that unites us, it’s packing enough holiday luggage for ‘just a weekend away’. Trailers and caravans are often insured because they carry everything from camping kits to kids’ bicycles to your entire boot overflow.
A trailer mishap on the N1? Not today, Satan. That’s why trailer insurance is such a popular add-on for holidaying families.
The king’s surprise hit: R1 insurance items
We absolutely love a bargain… And nothing screams bargain like insuring your bicycle, golf clubs, hearing aids or motorbike gear for R1 a month when you have comprehensive car or motorbike insurance. That’s R1. Yebo, 1 Rand. Less than the price of a Chappie.
These items are surprisingly common on insurance policies because, let’s face it, we adore anything that makes us feel like we’re winning in life.
And if someone asks how you got such a good deal? You just smile and say, ‘I’m in with the king’ and then send them our way.
So… Why do South Africans insure so many things?
Because we know life happens. And when it does, it usually arrives loudly, dramatically and right when you’ve just been paid.
The wise folk in Mzansi insure because:
- Things are expensive.
- Repairs are expensive.
- Replacing things is even more expensive.
- And we’d rather phone the king than sell a kidney.
There’s bravery, and then there’s walking around uninsured. Don’t be that person.
Where King Price fits into the picture
Whether it’s cars, homes, laptops or the occasional golf club, King Price knows what South Africans love to protect. And we make it super simple.
From decreasing comprehensive car premiums to home contents to buildings to portable possessions to R1 insurance, there’s a royal option built for every client.
When things go wrong, you want someone in your corner… Preferably someone with a crown and a call centre that actually answers the phone.
Ready to cover the things you love?
If it matters to you, it matters to the king. And if you want insurance that’s simple, affordable and #UnapologeticallySouthAfrican, you’re already in the right kingdom.
Chat to us, get a commitment-free quote, or call us on 0860 50 50 50. Your things will thank you.
FAQs
What do South Africans insure the most? Cars are the top insured items in Mzansi, followed by home contents, buildings, cellphones and portable possessions.
Why is car insurance so important in South Africa? Because traffic, potholes, storms and surprises happen often… And repairs aren’t cheap.
What’s the difference between home contents and buildings insurance? Home contents covers belongings inside your home, while buildings covers the actual structure and fixed fittings.
Is portable possessions insurance worth it? Yes. If you carry something around and it would break your heart (or your bank account) to lose it, insure it.
What’s the deal with R1 insurance? If you have comprehensive car or motorbike insurance with King Price, you can insure certain items like bicycles or golf clubs for just R1 per month.