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Provider comparison · Updated May 2026
Naked Insurance vs Pineapple
How Naked Insurance and Pineapple compare on price, claims, products and rewards across the South African market.
Naked Insurance edges Pineapple on customer rating.
| Feature | Naked Insurance | Pineapple |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.5 |
| Average premium | R570/pm | R540/pm |
| Claims turnaround | 24h | 24h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | Naked Car | Peer-to-peer Car |
| Product range | Car, Home, Contents, Single Items | Car, Contents, Single Items |
Naked Insurance
AI-powered car & home cover
Naked is a digital-first South African insurer using AI and a fixed-fee model — any underwriting surplus goes to charity via Naked's Givva programme.
Strengths
- Fully app-based onboarding
- CoverPause feature
- Transparent fixed-fee model
Trade-offs
- Newer brand
- Personal lines only
Pineapple
Peer-to-peer car insurance
Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.
Strengths
- P2P model returns unused premium
- Modern app
- Photo-based onboarding
Trade-offs
- Mostly car & contents
- Limited cover for high-value risks
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