Naked Insurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Naked Insurance is a South African insurer that bundles car, home, renters, pet and gadget cover into a single monthly account, which suits households who want their personal lines in a single place. Premiums start at ZAR 180, and the business is licensed as a non-life underwriter in South Africa.
Key facts
- Best for
- South African households wanting car, home, pet and gadget cover running through one monthly account.
- Premium from
- ZAR 180↗
- Insurance types
- Auto, Home, Renters, Pet, Gadget↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- ZAR 500↗
- Cover limit
- Pet insurance annual limit R15,000 to R120,000↗
- Claims channels
- App, Phone, Email↗
- Legal entity
- Naked Financial Technology Pty Ltd↗
- Headquarters
- South Africa↗
- Founded
- 2018↗
- Support channels
- Email, Phone, Chat, Help-centre↗
- Pricing model
- Monthly
- Official website
- naked.insure
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Premiums start at ZAR 180, comfortably under the site's median entry price of €8.31.
- Car, home, renters, pet and gadget cover sit in a single account, and monthly payments are available.
- Support runs on email, phone and chat, and car claims can start through app, phone and email.
Cons
- The car excess starts at ZAR 500, so a small claim leaves that amount with the policyholder.
- Cover runs to auto, home and renters, with no life or health lines in the range.
- Claims run on app, phone and email only, with no branch or agent route among them.
Who it suits
- South African households who want car, home, renters, pet and gadget cover in the same place.
- Pet owners comfortable with a stated annual limit: Pet insurance annual limit R15,000 to R120,000.
- Drivers happy to start a claim in the app, by phone or by email, as app, phone and email allows.
Who should look elsewhere
- bunq: an entry premium of €0 priced in another market, with none of the personal lines in auto, home and renters.
- Linxea: an entry premium of €25 and none of the car, home, pet or gadget cover in auto, home and renters.
How Naked Insurance compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 8.5
9.0 vs 9.4
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 8.7
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.7Its entry premium of €25 sits well away from ZAR 180, and it offers none of the lines under auto, home and renters.
9.0 vs 9.0
9.0 vs 8.8Its entry premium of €0 belongs to a different market, and it does not write the South African personal lines in auto, home and renters.
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.0
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
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9.0 vs 9.3
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9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
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9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9- 9.0 vs 8.6
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.4
9.0 vs 8.3
9.0 vs 8.3
9.0 vs 8.2- 9.0 vs 8.0
Where Naked Insurance is available
- Available
- South Africa
- Licence in South Africa
- authorised Financial Services Provider (South Africa) (48822), checked September 26, 2026
- Licence in South Africa
- Licensed Non-Life insurer and authorised Financial Services Provider (South Africa), underwriter (25511), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Naked Insurance policy cost?+
Naked Insurance lists entry premiums of ZAR 180 across its personal lines, and monthly payments are available so cover can be paid month by month instead of in a lump sum. The site's median entry price is €8.31, and the brand ranks 148 of 251 on that measure.
Who regulates Naked Insurance in South Africa?+
Naked Insurance holds a South African authorised Financial Services Provider licence, 48822, and a second licence as a licensed non-life insurer and authorised financial services provider acting as underwriter, 25511. The business behind the brand is Naked Financial Technology Pty Ltd.
What kinds of cover does Naked Insurance sell?+
The range covers car, home, renters, pet and gadget insurance, listed under auto, home and renters, and the brand operates as an insurer rather than a broker, insurer. Pet policies also carry a stated annual limit: Pet insurance annual limit R15,000 to R120,000.
How are claims handled?+
Car claims can be lodged through app, phone and email, so a claim can be started in the app, by phone or by email. General support runs on email, phone and chat, which adds live chat and a self-serve help centre to those same routes.
Is an excess payable on a car claim?+
Yes, an excess applies. On car insurance it starts at ZAR 500, which is the share of a settled claim the policyholder pays. The figure is stated for the car product, so check the excess on home and pet cover separately before relying on it.
Who is Naked Insurance aimed at?+
Naked Insurance is built for South African households, trading as Naked Financial Technology Pty Ltd, founded in 2018 and based in South Africa. It suits people who want their personal lines bundled and paid monthly rather than shopped policy by policy.
What is the annual limit on pet cover?+
Pet insurance comes with a stated annual limit: Pet insurance annual limit R15,000 to R120,000. That is the ceiling on what the pet policy pays across a year, so owners facing ongoing treatment costs may want a policy quoted at the top of that range before they sign up.
Can a UK or European household buy this cover?+
Cover is written for South Africa, where the business is based, so a quote is set up for a South African household and priced in the rand amount shown at ZAR 180. The personal lines sit under auto, home and renters, so there is nothing written for a UK or European customer.
Sources
- naked.insure checked September 26, 2026
Backs: Headquarters, Insurance types, Premium from
“9 Gordon Hill, Parktown, Johannesburg, 2193”
- naked.insure/about-us checked September 26, 2026
Backs: Founded, Legal entity, Licences
“The 2018 launch team”
- naked.insure/car-insurance checked September 26, 2026
Backs: Claims channels
“Open the app, tap the warning icon and select "Make a claim." ... For emergencies, call us on 0860 995 125”
- naked.insure/car-insurance/guide/what-does-excess-mean-in... checked September 26, 2026
Backs: Excess from
“Tap through the options (R500, R1,000, R2,000 and up) and your premium updates on the spot”
- naked.insure/frequently-asked-questions/the-basics checked September 26, 2026
Backs: Provider type, Pricing model, Monthly payments, Support channels
“Naked is a South African insurance platform that offers comprehensive cover for your car, home, contents, and valuables”
- naked.insure/pet-insurance checked September 26, 2026
Backs: Cover limit
“Choose an annual limit between R15,000 and R120,000”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Naked Insurance
South African households wanting car, home, pet and gadget cover running through one monthly account.