Car Insurance Guide

How to switch car insurance in South Africa

Written by Chloe Adams Managing Editor Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

How do I switch car insurance?

To switch car insurance, compare quotes for the same cover, take out the new policy first, and only then cancel the old one - so you never have a gap in cover. Give your current insurer the required notice, ask for proof of your claims history to keep your no-claim bonus, and make sure the new cover starts the moment the old one ends.

Key takeaways

  • Line up the new policy before cancelling the old one - never leave a gap.
  • Compare like-for-like cover and excess, not just the premium.
  • Ask for proof of your claims history to keep your no-claim bonus.
  • Give your current insurer the required notice to cancel.
  • Check for any outstanding pro-rata premium or refund.

When to switch

Renewal is a natural time to compare, but you can switch any time on a month-to-month policy. Good reasons include a premium increase, poor service, a change in your car or circumstances, or simply finding better value elsewhere.

How to switch without a cover gap

  1. Compare quotes for the same cover and excess
  2. Take out the new policy with a start date
  3. Only then cancel the old policy, timed so cover is continuous
  4. Confirm the new cover is active before the old one ends

Keep your no-claim bonus

Ask your current insurer for a letter or record of your claims history. Many insurers recognise it and carry your discount across, so you don't lose the benefit of years of claim-free driving.

Frequently asked questions

Can I switch car insurance any time?
Yes - most South African car insurance is month-to-month, so you can switch whenever you find better value, giving the required notice. Always start the new policy before cancelling the old one to avoid a gap in cover.
Will I lose my no-claim bonus if I switch?
Usually not. Ask your current insurer for proof of your claims history; most new insurers recognise it and carry your no-claim discount across, so you keep the benefit.

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