Naked Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Naked Insurance is a South African insurer bundling car, home, renters, pet and gadget cover behind a single app and a single monthly bill. It suits households wanting a single insurer with monthly payments, and its entry price ranks 143 of 252 on this site.
Key facts
- Best for
- A single monthly insurer for car, home, renters, pet and gadget cover in South Africa.
- Premium from
- ZAR 180 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Renters, Pet, Gadget (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- ZAR 500 (Source, checked September 26, 2026)
- Cover limit
- Pet insurance annual limit R15,000 to R120,000 (Source, checked September 26, 2026)
- Claims channels
- App, Phone, Email (Source, checked September 26, 2026)
- Legal entity
- Naked Financial Technology Pty Ltd (Source, checked September 26, 2026)
- Headquarters
- South Africa (Source, checked September 26, 2026)
- Founded
- 2018 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- naked.insure
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Monthly payments are available and the pricing model is monthly, so the cost of cover is spread over instalments.
- Cover spans auto, home, renters, pet and gadget from a single provider: auto, home and renters.
- Claims can be filed in the app, by phone or by email: app, phone and email.
- Support runs on email, phone and chat, so help is not limited to a single route.
Cons
- Premiums start at ZAR 180, so a tight monthly budget calls for a different provider.
- The car excess starts at ZAR 500, so a claim can still leave a bill for the policyholder.
- Cover is offered in a single market, ZA, so it does not follow you abroad.
Who it suits
- South African households who want auto, home, renters, pet and gadget cover from a single insurer rather than separate providers such as Good Sam Insurance Agency.
- Drivers who would rather claim in the app, by phone or by email: app, phone and email.
- People who prefer monthly payments and a monthly pricing model over settling a premium in one go.
Who should look elsewhere
- Buyers chasing the lowest entry price may want to look at bunq first, which lists premiums from €0.
- Anyone needing life, health or travel cover, which sits outside auto, home and renters, fits Good Sam Insurance Agency better with auto, home and renters.
- Shoppers outside the ZA market can weigh up Euroasia Insurance, which lists premiums from UZS 60,000.
How your money is protected
Naked is an insurer rather than a broker, so it underwrites the policies it sells. It is authorised as a Financial Services Provider in South Africa under 48822, and it is also registered as a licensed non-life insurer and authorised Financial Services Provider in its underwriter capacity under 25511.
The company behind it
Naked Insurance is run by Naked Financial Technology Pty Ltd, founded in 2018 and based in South Africa, so the business serves a single market. It holds an authorised Financial Services Provider licence in South Africa under 48822, and it is also registered there as a licensed non-life insurer and underwriter. Support runs on email, phone and chat.
How Naked Insurance compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.3- 9.0 vs 9.3
9.0 vs 9.3Max Life Insurance
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2- 9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6- 9.0 vs 8.4
- 9.0 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
mtu24
Where Naked Insurance is available
- Available
- South Africa
- Licence in South Africa
- authorised Financial Services Provider (South Africa) (48822), checked September 26, 2026
- Licence in South Africa
- Licensed Non-Life insurer and authorised Financial Services Provider (South Africa), underwriter (25511), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Naked Insurance cost?+
Premiums start at ZAR 180 and the pricing model is monthly, so treat that figure as a monthly starting point rather than a fixed quote. The starting price ranks 143 of 252 among the brands compared here, which leaves room for cheaper-looking entry points elsewhere.
Can I pay monthly instead of one lump premium?+
Yes. Monthly payments are available and the pricing model is monthly (monthly), so the cost of cover is billed in instalments across the year. That structure suits anyone who would rather spread the premium than settle it in a single payment.
What excess would I pay on a car claim?+
The car excess starts at ZAR 500. An excess is the share of a claim you carry yourself, so a lower starting figure keeps more of a small claim out of your own pocket. The excess sits on top of a recurring monthly premium rather than a single yearly bill.
How much can I claim for my pet?+
Pet cover runs to an annual limit of Pet insurance annual limit R15,000 to R120,000. Treatment costs above that ceiling come out of your own pocket. The band is wide, so the amount you can claim depends on the level you choose, which matters most if your pet needs costly surgery.
How do I make a claim?+
Claims can be started in the app, by phone or by email: app, phone and email. A claim therefore does not depend on a single channel, and the app route suits people who prefer to file and track it themselves while phone suits those who would rather talk it through.
What can I insure with Naked?+
Naked lists auto, home, renters, pet and gadget cover: auto, home and renters. Lines such as life, health and travel are not among those listed, so a buyer who needs them would need a broader provider, while a household with a car, a home and a pet can keep everything with one insurer.
Who runs Naked Insurance and where is it based?+
The company is Naked Financial Technology Pty Ltd, founded in 2018 and based in South Africa. It is an insurer rather than a broker, authorised as a Financial Services Provider in South Africa under 48822, and registered as a licensed non-life insurer and underwriter under 25511.
Sources
- naked.insure checked September 26, 2026
Backs: Headquarters, Insurance types, Premium from
“9 Gordon Hill, Parktown, Johannesburg, 2193”
- naked.insure/about-us checked September 26, 2026
Backs: Founded, Legal entity, Licences
“The 2018 launch team”
- naked.insure/car-insurance checked September 26, 2026
Backs: Claims channels
“Open the app, tap the warning icon and select "Make a claim." ... For emergencies, call us on 0860 995 125”
- naked.insure/car-insurance/guide/what-does-excess-mean-in... checked September 26, 2026
Backs: Excess from
“Tap through the options (R500, R1,000, R2,000 and up) and your premium updates on the spot”
- naked.insure/frequently-asked-questions/the-basics checked September 26, 2026
Backs: Provider type, Pricing model, Monthly payments, Support channels
“Naked is a South African insurance platform that offers comprehensive cover for your car, home, contents, and valuables”
- naked.insure/pet-insurance checked September 26, 2026
Backs: Cover limit
“Choose an annual limit between R15,000 and R120,000”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Naked Insurance
A single monthly insurer for car, home, renters, pet and gadget cover in South Africa.