Naked Insurance

Naked Insurance is a South African digital insurance platform for individuals who want app-based cover for cars, home contents, buildings, and single items such as phones and gadgets.

Key capabilities include:

• 90-second online quotes and purchase using AI bots (Rose for quoting); customers can get a final price on the website or in the app and buy without phone calls or paperwork
• In-app claims supported by an AI claims bot (Jade), designed to let customers submit and track claims digitally for incidents such as accidents, theft, or weather damage
• Policy self-service controls in the mobile app, including managing cover, making manual payments when needed, and cancelling
• Referral rewards that pay up to R1,000 per friend when a referred customer stays insured for 3 months

Pricing shown on the website includes car insurance from R180pm, home insurance from R43pm, and single item insurance from R15pm.

Available on Web, Android (Google Play), iOS (App Store), and Huawei AppGallery.

Targeted at B2C consumers in South Africa looking for affordable, fully digital personal insurance for vehicles, homes, and valuables.

Notable in the South African insurtech market for its flat-fee model and the Naked Difference, where surplus premiums (when claims are lower than expected) are donated to customer-chosen causes; policies are underwritten by Hollard Specialist Insurance Limited.