Trust & transparency
How we compare insurance providers
We compare South African insurers the same way you would if you had a research team and the time to do it. Here's the short version of what goes into a ranking — without the marketing language.
Where the data comes from
Public insurer disclosures, FSCA quarterly reports, OSTI ombud rulings, real shadow quotes we run ourselves across 12 South African driver and household profiles, and verified customer reviews. We don't take 'data feeds' from insurer sales teams.
What we actually score
Four signals only: claims turnaround, customer-sentiment averages (Hellopeter + Google), product breadth, and pricing competitiveness. Each carries a published weight. No hidden 'commercial' factor.
When we refresh
Quarterly full re-scoring of every provider. Premium samples refresh monthly. The 'last updated' label on every ranking card shows the most recent re-score date.
What we never do
We don't pay-to-rank, don't accept commission for editorial coverage, don't write 'sponsored reviews', don't hide insurers who refuse to pay us, and don't sell your data to call centres.
The five-step comparison
- Eligibility check — we only score insurers licensed by the FSCA to underwrite the product category.
- Data collection — claims turnaround, customer-review averages, product wordings and live shadow-quote samples.
- Independent scoring — each signal is weighted and combined into a single 0–10 score, recalculated every quarter.
- Editorial review — a human editor reviews every ranking change and writes the plain-English "best for" notes.
- Publication — rankings go live with the date and methodology link visible on every card.
When a comparison includes a provider that pays us
Some insurers in our comparisons pay us a referral fee if you choose to request a quote. We disclose that on every comparison page. The fee is paid by the insurer, never added to your premium, and never changes a ranking. Providers who don't pay us still appear in the same comparison — we'd rather show you the right cover.
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