Naked Car Insurance Overview
Naked Car Insurance is a cutting-edge, digital insurance provider in South Africa that offers an innovative and user-friendly approach to car insurance. Their platform emphasizes simplicity, transparency, and efficiency, allowing users to get insured quickly and easily without the usual hassles associated with traditional insurance processes.
Features of Naked Car Insurance
Insured for Retail Value
Naked Car Insurance insures your car for its retail value, which is the highest value any insurer pays out if your car is stolen or written off.
Customizable Excess
Policyholders can choose their excess amount through the app. For certain glass claims, no excess payment is required.
Instant Proof of Insurance
Proof of insurance can be sent instantly from the dealership floor to your finance house via the app, facilitating the car buying process.
CoverPause®
This unique feature allows users to save up to 50% on their premiums by pausing accident cover while still maintaining coverage for theft, natural damage, and other stationary risks.
Comprehensive Coverage
Naked provides coverage for:
- Accidents and write-offs
- Car theft and hijacking
- Damage caused by nature (e.g., hail, floods)
- Third-party liability
- 24/7 roadside assistance
Third-Party Insurance Option
For those who only need third-party insurance, Naked offers liability coverage up to R10 million starting from just R70 per month.
Customizable Add-Ons
Users can tailor their insurance with additional options such as:
- Credit shortfall cover
- Car rental
- Coverage for extra items like sound systems
Benefits of Naked Car Insurance
Seamless and Hassle-Free Claims
Naked’s technology handles claims quickly, supported by a friendly customer service team.
Savings with CoverPause®
Customers can significantly reduce premiums by using CoverPause® when their car is not in use.
Fast and Easy Online Process
Obtaining a quote and purchasing insurance is streamlined and can be completed online in under 90 seconds.
Acceptance by Major Banks and Dealers
Naked’s insurance is widely accepted by banks, finance houses, and car dealers in South Africa.
Frequently Asked Questions (FAQs)
What Does Naked Car Insurance Cover?
Naked Car Insurance covers accidents, write-offs, theft, hijacking, natural damage, third-party liability, and provides 24/7 roadside assistance.
How Much Does Car Insurance Cost?
The cost varies based on individual circumstances, but obtaining a quote is quick and easy through the Naked website or app.
Can I Buy Car Insurance Online?
Yes, Naked offers a fully online process to get a quote and purchase car insurance.
Is the Online Quote Final?
Yes, the online quote provided by Naked is final, with no need for further phone calls unless desired.
Is Naked’s Car Insurance Accepted by Banks?
Yes, major banks and finance houses accept Naked’s comprehensive car insurance.
How Do I Claim on My Car Insurance?
Claims can be submitted directly through the Naked app, with support from their team throughout the process.
Can I Insure a Car If I’m Not the Regular Driver?
Yes, but you must specify the regular driver when setting up your policy or update it through the app if the regular driver changes.
What Value Is My Car Insured For?
Naked insures your car for its retail value, ensuring adequate coverage for replacement in case of theft or total loss.
What Happens If I’m in an Accident?
Ensure safety and call emergency services if needed. Exchange details with the other driver, take photos, and submit a claim through the Naked app as soon as possible.
When Do You Pay Excess for Car Insurance?
Excess payments are required when making a claim, except for certain glass claims where no excess is needed.
Conclusion
Naked Car Insurance offers a modern, efficient, and customer-centric approach to car insurance in South Africa. With comprehensive coverage options, customizable add-ons, and innovative features like CoverPause®, Naked provides significant value and convenience to its policyholders.