Naked Insurance vs Santam vs Hollard

Cyrus_Omerta

Cyrus_Omerta

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Hi everyone, Thanks in advance for reading and helping.

Im shopping for new car insurance for my Nissan micra, after getting tired of Discovery insure shafting me almost double the average for my vehicle (R922 with Vitality Drive).

I received comprehensive car insurance quotes from Naked and Santam.
Naked: R412 pm w R3000 excess
Santam: R455 pm w R4500 excess

Now I know Santam is very good at what they do, I've heard from clients, but is Naked any good, has anyone had any car claims experience with them?

Still waiting on Hollard to get back to me (though Naked is underwritten by Hollard)
 
No issues with Naked but I haven't claimed yet.

The feedback on the forum seems to be positive regarding their claims...
 
claimed windscreen from naked, excess was a bit weird,
from R2K and above you pay the difference up to 1K, after 3K, excess is 3K,
4K I think is covered free.

in my case claim for a chip, not a very big one even.
was 421 ZAR's, and they wanted to replace my Windscreen, for a tiny chip.

went to PG glass, was R300 odd zars for a Chip repair, talked to naked, gave me the cash to do a chip repair directly.

otherwise never had anything bigger to claim.
 
eg2505 said:
claimed windscreen from naked, excess was a bit weird,
from R2K and above you pay the difference up to 1K, after 3K, excess is 3K,
4K I think is covered free.

in my case claim for a chip, not a very big one even.
was 421 ZAR's, and they wanted to replace my Windscreen, for a tiny chip.

went to PG glass, was R300 odd zars for a Chip repair, talked to naked, gave me the cash to do a chip repair directly.

otherwise never had anything bigger to claim.
Click to expand...
You could have bought an entire new windscreen for your car for R1 000.
 
I got a quote from Naked, R1200p/m cheaper, no excess and way more cover than I have now. Going to switch over as soon as.
 
If you're going with insurance companies like Hollard and Santam, do not go direct. Rather go through an insurance broker as they get better deals.

When I was with Hollard I went through RBS (https://www.rbs.co.za/) and got better pricing through them. Also they handle all your claims for you. The other important factor is that for a small extra monthly fee, I did not have to pay any excess on the car insurance should I claim. They call it an excess waiver fee. Only things I claimed with them was for 2 cellphones which was handled speedily and without any fuss.

I moved over to Santam but through PSG Insure about 3 years ago (https://www.psg.co.za/bergrivierboulevardshortterm) only because I got even better pricing from them and not because of bad service from RBS. Not even a month after switching over my TV died due to loadshedding. PSG handled it fast and again without any fuss. Here, too, I don't pay any excess should I ever claim car insurance. I just recently received an update on my policy that stated the value of my vehicle has increased but they will be keeping the premiums the same.

I played with the online quote application from Naked but they couldn't beat what i was getting from either RBS or PSG Insure.
 
Have been covered with Naked for over 6 months, no issues to date and no claim.
 
Claimed with naked once before, went pretty smoothly
 
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