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Provider comparison · Updated May 2026
Santam vs Naked Insurance
How Santam and Naked Insurance compare on price, claims, products and rewards across the South African market.
Santam and Naked Insurance are evenly matched on customer rating.
| Feature | Santam | Naked Insurance |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.6 |
| Average premium | R790/pm | R570/pm |
| Claims turnaround | 72h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Naked Car |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Home, Contents, Single Items |
Santam
South Africa's largest short-term insurer
Santam is South Africa's largest short-term insurer with a 100+ year history, serving personal, commercial and agricultural markets.
Strengths
- Largest local insurer
- Extensive broker network
- Strong commercial offering
Trade-offs
- Slower digital experience
- Higher premiums on entry tier
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
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