Top Sites>Naked | Affordable Car, Home, Building & Single Item Insurance

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# Naked Insurance
[www.naked.insure](https://www.naked.insure)

## Overview
- Naked offers comprehensive insurance for cars, home contents, buildings, single items, caravans and trailers.  
- Instant, simple, stress-free: No call centre required. Quotes, cover management, and claims are all handled in the app.  
- Affordability through automation: Competitive premiums due to automation and low overheads. No hidden fees, or misleading discounts.  
- Premiums and excess: Fixed monthly premiums, reviewed annually (not dynamically). Customers choose a flat excess upfront. No hidden or age-based excesses.  
- Reputation and credibility: Among South Africa's top-rated car insurers. 4.44-star HelloPeter rating from 6,750+ reviews, 9.2/10 TrustIndex rating. Strong customer feedback on fast claims, clear communication, and a seamless digital experience. Policies underwritten by Hollard Specialist Insurance Ltd (licensed non-life insurer, authorised FSP). Naked is a licensed FSP (48822). Reinsured by global reinsurers (Hannover Re and Scor). Raised R700 million in Series B funding (January 2025) to support growth and claims reliability.  
- Human support available: help@naked.insure or 0860 995 125.  
- Policy transparency: Policies in plain language. Exclusions, limits, and optional extras surfaced upfront. Customers can cancel or update cover anytime without penalties.  
- Transparent pricing model: Naked takes a fixed fee from premiums; the rest goes into a pool to pay claims. Any surplus at year-end is donated to causes chosen by customers, not retained as profit.  

## Claims
- Claims submitted through a guided, paperless process in the Naked app.  
- Jade, Naked's AI assistant, can instantly approve many claims.  
- Some claims are paid instantly.  
- Our vetted, countrywide network of trusted service providers and repairers meets strict quality standards, ensuring reliable support and hassle-free claims across all products.  

## Products

### Car Insurance [Learn more →](https://www.naked.insure/car-insurance)  
- Comprehensive cover: accidents, theft, hijacking, fire, weather events, and third-party liability.  
- Optional extras: sound systems, car hire, accessories, canopies, roof racks, and credit shortfall cover.  
- Includes 24/7 roadside assistance (towing, jump-start, fuel delivery, tyre change).  
- Cover accepted by banks, finance houses, and dealerships.  
- Cars insured at retail value by default (dealer floor price).  
- Personal and business use included (e.g. visiting clients). Excludes commercial use (e.g. delivery driving, ride-hailing).  
- Additional benefits:  
  - Customers can reduce accident cover when a car is not in use, helping lower monthly premiums.  
  - Keys and remote replacement.  
  - Cover up to 90 days per year while you are travelling in: Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Eswatini, Tanzania, Uganda, Zambia, and Zimbabwe  
  - Emergency repairs.  
  - Transit cover when cars are transported by road, sea, rail, or air.  
  - Trauma counselling after an insured event.  

### Single-Item Insurance [Learn more →](https://www.naked.insure/single-item-insurance)  
- Covers individually specified items: phones, laptops, tablets, cameras, bicycles/e-bikes, jewellery, watches, instruments.  
- Protection against theft, accidental loss, accidental damage, and travel-related damage (local/international, up to 6 months).  
- Each item has its own insured value and excess set in the app.  
- Worldwide cover for up to 6 months per 12-month policy period.  

### Home Contents Insurance [Learn more →](https://www.naked.insure/home-contents-insurance)  
- Covers possessions inside the home against: theft, fire, explosion, smoke, burst pipes, flooding, storms, hail, wind, and lightning.  
- Includes personal liability cover for injury to others or damage to their property.  
- Items valued above R5,000 (e.g. phones, laptops, jewellery, cameras) can be specified individually to ensure full protection both inside and outside the home.  
- Home Contents Insurance is designed for personal use. It does not cover stock or equipment used for business or commercial purposes. Office furniture or standard home-office equipment is covered if used for admin work from home, but specialised or business-critical equipment should be insured separately.  
- Additional benefits:  
  - Temporary accommodation if the home becomes uninhabitable after a covered event.  
  - Cover for guests' or domestic employees' belongings inside the home.  
  - Security guard hire after a break-in.  
  - Replacement of keys, locks, and remote-control units.  
  - Cover for gifts kept inside the home.  
  - Cover for important documents (ID, passports, wills, education certificates, etc.  
  - Power surge protection for electrical and electronic goods.  
  - Cover for theft of certain outdoor items (patio furniture, braai equipment, pool accessories.  

### Building Insurance [Learn more →](https://www.naked.insure/building-insurance)  
- Covers the structure: walls, roof, floors, garages, outbuildings, driveways, gates, fences, permanent fixtures (kitchens, cupboards, solar panels, swimming pools).  
- Protection against: fire, smoke, explosion, storms, hail, wind, lightning, burst pipes, water damage, impact damage, and theft-related damage.  
- Geysers: damage to ceilings/floors covered; the geyser unit itself covered only with optional Geyser Boost.  
- Use: Building Insurance is intended for residential use. It does not cover properties used primarily for business or commercial purposes. Cover remains valid if part of the home is used as a home office or for light business activity (e.g. admin work), but excludes risks related to stock storage, client visits, or industrial activity.  
- Includes liability cover for injury to others or damage to their property.  
- Cover accepted by all South African banks and finance houses.  
- Note: Building insurance does not cover your home's contents. To insure furniture, appliances, and personal possessions, buy Home Contents Insurance separately.  
- Additional benefits:  
  - Professional fees (architects, engineers).  
  - Debris removal after an insured event.  
  - Alternative accommodation or loss of rental income.  
  - Leak detection and repair costs.  
  - Replacement of keys, locks, and remote-control units.  
  - Security guard hire after an insured event.  
  - Trauma counselling after an insured event.  

### Caravan and Trailer Insurance
- Covers caravans, trailers, and permanently fitted accessories.  
- Protection against theft, hijacking, accidental damage (road, storage, parked), fire, storms, hail, wind, and lightning.  
- Optional extras: fixed accessories like bike racks or roof racks.  
- Each caravan/trailer insured separately at replacement cost (today's value).  
- Cover accepted by all South African banks and finance houses.  
- Can be standalone or combined with other Naked products.