Underwriting manager (broker-only)

Affinity Car Insurance: What It Is and How to Buy It

Affinity Underwriting Managers is a Bedfordview-based underwriting manager that provides vehicle, household contents and business insurance. It works only through brokers, so you can't buy an Affinity car policy directly from Affinity.

An underwriting manager designs and administers policies on behalf of a licensed insurer, which carries the risk. The insurer's name will be on your policy schedule, and it's worth knowing who it is before you sign.

What stands out

• Sold only through brokers, who handle advice, quotes and claims support.
• Covers vehicles, household contents and business insurance.
• Based in Bedfordview, Johannesburg.

What to check before you accept a quote

• Which licensed insurer underwrites the policy (it will be on your policy schedule).
• Your broker's fee, if any, and whether they compared other insurers too.
• Don't confuse it with Affinity Health, a separate company that sells medical cover, not car insurance.
• The basic excess and any additional excesses, for example for young or newly licensed drivers. See what excess means in car insurance.
• Whether your car needs an approved tracker. Many insurers require one above a certain vehicle value. See insurance-approved trackers.

How to get a Affinity car insurance quote

1. Ask your broker for an Affinity quote alongside quotes from other insurers.
2. Ask the broker to name the underwriting insurer and the excess structure.
3. Compare the full cost, premium plus any broker fee, before you accept.

Comparing is easier when every quote is for the same thing: the same cover type, the same car value (retail or market value) and similar excess. Our guide to comparing car insurance quotes has a checklist.