My cover
Lemonade Insure
Log inGet a quote
PersonalMotor

Car and motorcycle insurance

Comprehensive cover for your car, bakkie or motorcycle: accidents, theft and hijacking, fire, hail, windscreen damage and the damage you cause to other people's property. Each vehicle is priced on its own, so you only pay for what you drive.

What’s covered

  • Accident damage to your vehicle, and towing after an accident
  • Theft and hijacking
  • Fire, hail and storm damage
  • Windscreen and glass
  • What you're legally liable for if you injure someone or damage their property, up to R2 500 000
  • Fitted extras such as sound systems and tow bars, insured at the car's own rate

Optional extras

Add them while you quote and watch the price update.

  • Excess waiver: no basic excess on accident, theft and windscreen claims (other excesses still apply)
  • Tyre and rim cover for pothole damage
  • A hire car while yours is being repaired, or after a theft, for up to 30 days
  • Roadside assistance, day or night, for each car you add it to

Good to know

  • Excess: 5% of the claim, minimum R2 500; theft and hijack, 5% of the insured value; windscreen, 20%, minimum R350.
  • Drivers under 25, or licensed for less than two years, pay an additional excess when they claim.
  • SASRIA cover for riot and civil unrest is included and shown as its own line.
  • You're covered in South Africa, Namibia, Botswana, Lesotho, Eswatini, Zimbabwe, Mozambique and Malawi.
  • There's no cover if the driver is unlicensed or over the legal alcohol limit, or if the vehicle isn't roadworthy.
  • If your schedule asks for a tracking device, it must be fitted, paid up and working for a theft or hijack claim.

What we’ll ask you

So your price is right the moment you see it.

  1. 1Year, make and model: pick from the list or scan the licence disc
  2. 2The price of any fitted extras — we look up the vehicle's own value for you
  3. 3Registration number
  4. 4Whether it's a car, bakkie, motorcycle or caravan

These are the highlights. The full cover, limits, conditions and exclusions are in the official policy wording issued by the insurer, New National Assurance Company Limited, read together with your policy schedule. Your quotation and every policy document link to it.

Other cover

Broken down or a burst geyser? See emergency help and roadside assist.