Insurer Review

Naked Car Insurance Reviews (2026)

Written by Chloe Adams Managing Editor Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 25 July 2026 Our editorial standards →

Is Naked good for car insurance?

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.

At a glance

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.
Products: Car, Home contents, Buildings, Single item

Overview

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.

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

How much does Naked car insurance cost?

Naked does not publish a fixed price. Like every South African insurer it rates each driver individually on the car, where you live and park, your age, driving history, the cover and excess you choose, and security features such as a tracker. The only way to know what Naked would charge you is to get a quote and compare it against other insurers for your exact profile.

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Frequently asked questions

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.

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This review is general information based on each insurer's publicly stated positioning and is not financial advice or an endorsement. Always confirm current cover, benefits and pricing directly with the insurer.