Plain-English insurance guides for South Africans.
Independent guides on car, life, funeral, medical, home and business insurance in South Africa — written by editors who've actually read the policy wording, not by a call centre with a script. Updated for 2026.
How to lower your car insurance premium in South Africa by up to 15%
Tracking devices, secure parking and a clean claims history all move the needle. Here's the playbook for 2026.
Hospital plan vs full medical aid: which one do you actually need?
We break down day-to-day benefits, chronic cover and gap insurance to help you choose the right scheme.
Updated 02 May 2026
The best funeral cover policies under R200 per month
Family cover up to R30,000 with 48-hour payouts — compare Old Mutual, Sanlam, Avbob and AVBOB Direct.
Updated 28 Apr 2026
Insurance for Uber and Bolt drivers in South Africa
Standard private cover may not pay out if you drive for an e-hailing platform. Here's what to look for.
Updated 18 Apr 2026
POPIA, public liability and the 4 things every SA founder gets wrong
Most SME owners over-spend on asset cover and skip the products that actually pay out. A tactical playbook for tight budgets.
Updated 10 Apr 2026
7 things first-time SA drivers can do to halve their premium
Under-25 quotes are punishing — but each of these levers shaves 8–18% off, and they stack.
Updated 04 Apr 2026
When to downgrade from comprehensive to third-party in South Africa
The crossover moment when comprehensive stops being worth the premium — with a worked example for a paid-up SA car.
Updated 17 May 2026
How to choose the right excess to cut your premium (without breaking your future self)
A worked tactical playbook on excess trade-offs in SA — including the level most households can actually afford.
Updated 12 May 2026
Home contents insurance in South Africa: a 2026 buyer's guide
Most SA households are under-insured by 30–40%. Here's how to value your contents and pick the right policy.
Updated 11 May 2026
Buildings insurance vs bond insurance: what your bank does (and doesn't) cover
Your bond comes with mandatory buildings cover — but you're almost always overpaying. Here's how to switch and save up to R600 per month.
Updated 08 May 2026
Life insurance in South Africa: how much cover do you actually need?
The 10x annual salary rule is too crude. Use this framework to calculate the right sum assured for your family.
Updated 06 May 2026
Disability and dread disease cover: the policies most South Africans forget to buy
You're 4x more likely to be disabled before age 65 than to die. Yet only 1 in 6 SA adults has disability cover.
Updated 03 May 2026
Medical aid vs health insurance in South Africa: what's the difference?
Health insurance is not medical aid — and confusing the two leaves families exposed. Here's how to choose between them.
Updated 30 Apr 2026
Best medical aid for South African families in 2026
We rank Discovery, Bonitas, Momentum Health and Bestmed across price, hospital network and chronic cover.
Updated 25 Apr 2026
Gap cover in South Africa: what it costs and when you actually need it
Specialists charge up to 5x the medical aid rate. Gap cover bridges that — and pays for itself on a single admission.
Updated 22 Apr 2026
Funeral cover comparison 2026: AVBOB vs Old Mutual vs Sanlam vs Clientèle
We compare South Africa's four biggest funeral insurers on cover, payout speed, extended family and waiting periods.
Updated 19 Apr 2026
Business interruption insurance in South Africa: lessons from the Covid claims fight
BI cover protects revenue when your premises can't trade. The wording matters more than the price — here's what to check.
Updated 15 Apr 2026
Cyber insurance for South African businesses: who needs it under POPIA
POPIA fines hit R10m. A single ransomware incident averages R32m in SA. Cyber cover starts at R310 per month.
Updated 09 Apr 2026
Travel insurance in South Africa: schengen-ready cover from R75 per trip
From medical evacuation to luggage delay, here's exactly what a SA traveller needs — and what to skip.
Updated 05 Apr 2026
Pet insurance in South Africa: is it worth it in 2026?
Vet bills now average R8,500 per emergency admission. Here's how SA pet insurance works and what it actually pays out.
Updated 01 Apr 2026
How to claim on your insurance in South Africa (and avoid having it rejected)
Roughly 1 in 7 SA insurance claims is repudiated. Most rejections are avoidable — here's the step-by-step.
Updated 28 Mar 2026