Auto and General Car Insurance [2025 Update]
Details of Auto and General Car Insurance. Information on how to purchase Auto and General Car Insurance and other facts including, claims, quotes, and contact details.
Car insurance is effectively a contract between yourself and an insurance company in which you agree to pay premiums in exchange for protection against financial losses stemming from an accident or other damage to the vehicle.
See Also>> Types of Auto and General Insurance.
Auto and General Insurance Company offers one of the best Auto Insurance in South Africa. Find out more information below.
See Also>> Auto and General Insurance Contact Details.
Details of Auto and General Car Insurance
For over three decades Auto and General have provided individuals, businesses and families like yours with car insurance. Auto & General are pioneers in the South African insurance market and proud to offer services you can depend on. Auto and General range of car insurance policies cover those unexpected costs that arise from traffic accidents that place you and those you love at risk. You won’t regret having a car insurance policy with Auto and General, and here’s why:
- 24/7 access to policy information and documents
- Auto and General mobile app can be used for everything from mobile crash detection to emergency medical assistance
- Cashback for claim-free customers
- In the event of a claim, immediate expenses reimbursed when you follow their claim certainty guidelines
- Access to your own dedicated consultant during any claims process
We will pay you R500 if we do not deliver on Auto and General promise to you.
Auto & General Car Insurance includes
Comprehensive Car Insurance
Comprehensive car insurance is the best option for those who want all the bells and whistles. Not only will this policy cover you for third-party claims, but it will also cover you for accidental damages to your own car.
What is Comprehensive Car Insurance?
Comprehensive insurance provides the highest level of protection for both you and your car. It covers your vehicle against theft as well as accidental, hail, or fire damage. You’re also covered for claims made against you if your vehicle accidentally causes damage to other people or their property.
This type of insurance covers damage to your car and third-party vehicles regardless of who is at fault, making it ideal for drivers seeking complete peace of mind.
In our experience, the extensive nature of Comprehensive Car Insurance means that it is the ideal policy type. Get a quote and find out how much Comprehensive Car Insurance costs today.
Fire, theft and hijacking cover
In South Africa, nearly 50 cars are stolen every day. With our Comprehensive Car Insurance, you can claim the cost of replacing your vehicle if it’s stolen or hijacked.
You’re also covered if a fire causes accidental damage or destruction to your vehicle, in which case we’ll pay to repair or replace it.
Accident Cover
Comprehensive insurance protects your vehicle against accidental or intentional damage caused by a third party. In the event that your vehicle is written off, your policy covers the costs of repairing or replacing it.
When you add our BetterCar Value option to your Comprehensive policy, you will be paid for an equivalent model that is one year newer.
Road Assist
Comprehensive cover includes rapid roadside emergency solutions so you’re not at a loss when things go wrong. If you’re involved in an accident, you can rest assured that Auto and General will tow your vehicle from the scene and cover the costs of subsequent storage.
Auto and General also have you covered if your car has a flat tyre or battery, or if you lock your keys inside the vehicle. They provide up to three call-outs per year for mechanical or electrical breakdowns. If we can’t fix the problem at the roadside, Auto and General can tow you to the nearest dealer. And if you’re left stranded more than 100 km from home, they’ll arrange and pay for transportation, accommodation, or a car hire for you and up to six passengers.
Third Party Fire & Theft Insurance
Third-party fire and theft is a great option for those looking to spend a little less and go without all the perks. This policy does not cover the costs of repairing your own vehicle but will pay the third party for accidental damage to their vehicle or building. Third-party fire and theft also covers you in the unfortunate event where your vehicle is burnt or stolen.
Third Party, Fire & Theft cover is a mid-tier car insurance option that protects your vehicle from loss or damage due to fire or theft. If your car is stolen and cannot be recovered, you can claim for the cost of replacing it. We also cover you for any damage caused to someone else’s property in an accident that is your fault.
Unfortunately, this car insurance option does not protect your vehicle if it’s damaged in an accident.
Fire and theft cover
If a fire causes accidental damage or destruction to your vehicle, Auto and General will pay to repair or replace it.
Nearly 20,000 cars are stolen in South Africa every year. Theft coverage remains an essential component of any insurance policy. With Auto and General Third Party, Fire & Theft cover, you can claim the cost of replacing a vehicle that has been stolen.
Third party liability cover
Auto and General protect you from any liability that may arise if your vehicle accidentally causes damage to someone else’s property. They will also pay for the repair or replacement of any other vehicle involved in the accident.
However, this cover does not extend to treating injuries suffered by the other driver or passengers in any vehicle involved in a collision. For additional peace of mind, Auto and General can increase your third-party cover to ensure you are completely protected in the instance that one of these claims arises.
Road Assist
Auto and General have got you covered if you need emergency roadside support. Their Third Party, Fire & Theft insurance includes Road Assist, which covers you for breakdown and accident assistance.
Auto and General provide up to three callouts per year for mechanical or electrical breakdowns. If you’re in a collision, you can rest assured that they will tow your vehicle from the scene and pay for any subsequent storage costs.
Third Party Only Insurance
Unlike Third Party, Fire and Theft car insurance, Third Party only doesn’t replace your vehicle if it is stolen or damaged in a fire. Third-Party only protects you against claims from third parties if you accidentally damage their vehicle or building.
Auto and General Third Party Only Car Insurance – also known as Third Party Insurance – is a low-level policy that covers you for the loss or damage caused to someone else’s vehicle or property in an accident. These claims can encompass damage to belongings in the other driver’s car, such as cellphones and laptops.
This insurance provides the minimum level of protection. Keep in mind that any loss or damage to your vehicle will not be covered by Third Party Insurance. It may be ideal for car owners who can afford to pay for repairs and only need to worry about insuring against loss or damage to third parties.
Third party liability cover
Third Party Liability Insurance protects you from Third-Party claims. If you cause an accident, the third party may claim for the losses and damages they suffer. You, the policyholder, would be referred to as the first party, and the second party is your insurance company, which is responsible for settling the claim.
Third Party Car Insurance does not cover your losses or damages. In the event of an accident resulting from your fault, you would be required to pay for the repairs to your car out of your own pocket. If the accident was not your fault, you may be able to file a claim against the other driver. They will be the first party in that case, and you will be the third.
BetterCar Insurance
In the unfortunate event where your car is written off in an accident, this policy add-on will make a bad situation better. BetterCar Insurance will cover the costs of replacing your much-loved car, but the younger model.
Auto & General Insurance traditionally gave you the option to insure your vehicle for its Retail, Trade, or Market value. These options would pay you out for the same value vehicle, if your vehicle is written off. However, by taking out Auto and General BetterCar Value option they will pay you out for or replace your vehicle with an equivalent model but one-year newer, if your car is written off.
Terms and conditions for BetterCar
- The BetterCar option is available to all vehicle models less than or equal to 8 years old.
- The BetterCar option does not apply to vehicles written off as a result of theft, attempted theft, hi-jacking or attempted hi-jacking. The BetterCar insured value would default to the standard retail value in the event of a theft related claim.
- If your vehicle does not have a newer model, we will pay out 15% more than the retail value of the vehicle.
Auto Top-Up Insurance
If you drive a financed vehicle, Auto & General auto top-up policy covers the difference between your comprehensive insurance payout and what you owe on your vehicle finance agreement.
What is Auto Top-Up Plus?
What do you do if your financed vehicle is ever stolen or written off and your vehicle insurance won’t cover the whole outstanding finance amount? You can rely on our Auto Top-Up Plus cover to alleviate the financial burden of the shortfall and we also include other benefits like personal accident cover as well as excess and installment protector.