Naked Car Insurance

Naked car insurance in South Africa

Written by Lerato Molefe Personal Insurance Writer Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

Naked car insurance at a glance

Key takeaways

Known for: Fully app-based cover with CoverPause to pause your cover when you're not driving..
Best for: Tech-savvy drivers who want digital control and transparency..
No insurer is cheapest or best for everyone - your price depends on your car, area, age and history.
Comparing Naked against other insurers is the only way to know if it's right for you.

About Naked

Naked is a digital-first insurtech offering car, home and single-item cover entirely through its app. Features like CoverPause (pause accident cover when your car is parked) and a transparent, fixed-fee model appeal to tech-savvy customers.

What Naked car insurance covers

Like most South African insurers, Naked offers car cover at three broad levels. The right one depends on your car's value and your budget:

Comprehensive

The widest cover - accident damage to your own car, plus theft, fire and third-party liability.

Third-party, fire & theft

Third-party damage plus fire and theft of your own car.

Third-party only

The cheapest cover - damage you cause to others, not your own car.

Naked also offers: Car, Home contents, Buildings, Single item.

What affects your Naked premium?

Naked prices each driver on risk, so two people can pay very different amounts. The main factors are the same across insurers:

The make, model, age and value of your car - and how likely it is to be stolen
Where you live and where the car is parked overnight
Your age, driving history and previous claims
The cover level and the excess you choose
Security features such as an approved tracking device

See our premium indicator to understand what raises or lowers your price.

How to get a Naked car insurance quote

You can approach Naked directly, but a single quote tells you little on its own. The smart move is to compare Naked against several insurers at once for your exact car and profile - that's how you find out whether it's genuinely competitive for you, or whether another insurer offers the same cover for less.

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Naked: pros and cons

Pros

Fully app-based, quick to set up
CoverPause to save when not driving
Transparent, fixed-fee pricing model

Cons

App-only - no branch or broker
A newer brand than the large insurers

Want the full breakdown? Read our in-depth Naked review.

Frequently asked questions

Is Naked car insurance good?

Naked is an app-based South African insurtech that uses AI to offer fully digital car cover. Its CoverPause feature lets you pause cover when you're not driving, and it's known for a transparent pricing model. Read our full Naked review for the detail, and compare quotes to see how it fits your profile.

How do I get a Naked car insurance quote?

You can request a quote from Naked directly, but the best way to know whether it's competitive is to compare it against several insurers at once for your exact car and profile. Get a free comparison to see where Naked lands.

Is Naked car insurance cheap?

No single insurer is cheapest for everyone - Naked may be competitive for some drivers and not others, depending on your car, area, age and history. Compare quotes to find your best price rather than assuming.

What is Naked's CoverPause?

CoverPause lets Naked customers pause their accident cover through the app when the car isn't being driven, so you can save on days you don't drive.

Is Naked fully online?

Yes. Naked is an app-based insurer - you get quotes, manage cover and claim entirely through the app.

Naked head-to-head

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