Insurance Glossary

Collision cover

Last reviewed 25 July 2026 · by the Savvy Insurance editorial team

What is collision cover?

Collision cover pays to repair or replace your own vehicle after an accident involving another vehicle or object, regardless of who was at fault. In South Africa this is part of comprehensive car insurance rather than a standalone product, and is subject to your excess.

Example

After reversing into a pole, collision cover under your comprehensive policy pays for the bumper repair, minus your excess.

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