Comprehensive Car Insurance
Our widest cover: your own car is covered for accidents, theft, hijacking, fire and weather, and you're covered for damage you cause to other people's property.
What's covered
- Accident damage to your car, whether or not you caused it
- Theft and hijacking, including recovery costs
- Fire, hail, storm and flood damage
- Malicious damage and vandalism (riot damage through SASRIA)
- Damage you cause to other people's cars and property (third-party liability)
- 24/7 roadside assistance and towing
What's not covered
- Mechanical and electrical breakdown (see Car Warranty)
- Wear and tear
- Driving over the legal alcohol limit or without a valid licence
- Business use, e-hailing or racing unless declared and accepted
A summary only. The insurer's policy wording, sent with your quote, sets out the full cover, limits and excesses.
Who it's for
Financed cars (finance houses require it), newer cars and cars you couldn't afford to replace. Read our full guide.
Optional extras you can ask for
- Car hire while your car is being repaired
- Credit shortfall (pays the gap if you owe more than the payout)
- Windscreen and glass cover
- Insure at retail value (higher payout on a write-off)
- Tyre and rim cover
How it works: leave your details below and a licensed adviser calls you with the premium and excess. There's no obligation, and you're only covered once the insurer confirms your cover in writing.
Get a Comprehensive quote
Free, no obligation. Takes 30 seconds. An adviser will call you with your quote.
Get a quote for other cover
Third Party, Fire & Theft Car Insurance · Third Party Only Car Insurance · Scratch & Dent Cover · Car Warranty (Mechanical Breakdown) Cover
Comprehensive questions
Yes. Banks and finance houses require comprehensive cover for as long as the car is being paid off. Tick "financed" on the form so the quote meets your finance agreement.
Only if you accept your quote and our licensed partner insurer confirms your cover in writing, with your first premium or debit order set up. Requesting a quote is not proof of cover. Keep any existing insurance until then.
Yes. Tell us your preferred excess level and the insurer will show you how it changes the premium. See what excess means in car insurance for how excesses work.
Yes. We only ask for what the insurer needs to quote you. We never ask for card or bank details on this site. If you decide to take the cover, the debit order is set up directly with the insurer.
TrackerPrices SA is an independent information site. We are not an insurer or a licensed financial services provider, and nothing here is financial advice. Insurer details are summarised from each insurer's own published information, last checked September 2026. Cover, benefits and prices change, so always confirm them in your quote and policy wording. For a complaint about an insurer you can contact the free National Financial Ombud Scheme.