Drive With Confidence
Compare vehicle insurance and VAPS offers from South Africa's top brands. Comprehensive, third-party, and value-added products — all in one place.
Cover Options
Choose the Right Level of Cover
From full comprehensive protection to essential third-party cover — we'll match you with the right policy for your vehicle and budget.
Comprehensive Cover
Full protection for your vehicle — accidents, theft, fire, natural disasters, and third-party liability. The most complete cover available.
- Accident damage (own & third-party)
- Theft and hijacking
- Fire and natural disasters
- Windscreen and glass
- Emergency roadside assist
Third-Party, Fire & Theft
Mid-range cover that protects you against third-party claims, plus fire and theft of your own vehicle.
- Third-party liability
- Fire damage
- Theft and hijacking
- Legal liability cover
Third-Party Only
Essential, affordable cover for damage you cause to other people's vehicles or property.
- Third-party property damage
- Third-party bodily injury
- Legal liability cover
Value-Added Products
Enhance Your Cover with VAPS
Add-on products designed for South African roads and drivers — from pothole tyre protection to 24/7 roadside assist.
Roadside Assistance
24/7 emergency roadside help — towing, battery jump-start, tyre changes, and fuel delivery anywhere in South Africa.
Tyre & Rim Protection
Cover for tyre damage and rim repairs caused by potholes, kerbs, and road hazards — a must for SA roads.
Scratch & Dent Cover
Cosmetic damage repair without affecting your no-claim bonus. Keep your vehicle looking its best.
Vehicle Tracking
Real-time GPS tracking and stolen vehicle recovery. Many insurers offer premium discounts when you add a tracker.
Credit Shortfall Cover
If your vehicle is written off, this covers the gap between the insurance payout and your outstanding finance balance.
Extended Warranty
Mechanical and electrical breakdown cover beyond the manufacturer's warranty — peace of mind for older vehicles.
Our Partners
Compare Offers from Top SA Insurers
Why Cover Now
The Smarter Way to Get Insured
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See multiple quotes side by side in minutes — no phone calls, no waiting.
Trusted SA Brands
Only authorised, reputable South African insurers on our platform.
Customised Offers
Quotes tailored to your vehicle, location, and driving profile.
No Hidden Costs
Transparent pricing with no broker fees or surprise charges.
What Our Customers Say
"Saved over R400 a month on my car insurance by comparing through Cover Now. The process was so simple."
Thandi Mokoena
Johannesburg
"Added tyre protection and roadside assist to my policy — best decision I made. Already used it twice on the N2."
Sipho Dlamini
Durban
"Switched insurers without any hassle. My no-claim bonus transferred and my premium dropped significantly."
Anri van der Merwe
Cape Town
FAQ
Common Questions
What affects my vehicle insurance premium?
Your premium is influenced by your vehicle's make, model, and year; your driving history; where you live and park; your age and claims history; and the type of cover you choose. Adding safety features like a tracker can reduce your premium.
Do I need vehicle insurance in South Africa?
Comprehensive and third-party insurance are not legally required, but third-party liability cover is strongly recommended. If you finance your vehicle, your bank will typically require comprehensive cover.
What is a VAPS product?
VAPS stands for Value-Added Products and Services. These are add-on products that complement your core insurance policy — such as roadside assistance, tyre protection, and scratch & dent cover.
How quickly can I get covered?
Most FSPs we connect you with can activate cover within 24 hours of acceptance. Some offer same-day cover for urgent situations.
Can I switch insurers without losing my no-claim bonus?
Yes. Your no-claim bonus is portable and can be transferred to a new insurer. You'll need a letter of experience from your current insurer.
Ready to Get Your Vehicle Covered?
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