---
title: "Naked Insurance: Car, Home and Item Insurance"
description: "Get 90-second online quotes, buy and claim car, home or single-item cover in South Africa. From R180pm car, R43pm home, R15pm items."
canonical_url: "https://liners.com/naked-insurance"
markdown_url: "https://liners.com/naked-insurance.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/naked/screenshot.webp?v=1772991961640"
published_at: "2026-03-09T05:12:25.366Z"
updated_at: "2026-10-06T15:13:08.365Z"
---

# Naked Insurance: Car, Home and Item Insurance

Get 90-second online quotes, buy and claim car, home or single-item cover in South Africa. From R180pm car, R43pm home, R15pm items.

## Breadcrumbs

- [Insurtech](/categories/insurtech)
- [Naked Insurance](/naked-insurance)

## Summary

App-based insurance quotes, cover, and claims in 90 seconds

A South African digital insurance platform for individuals to quote, buy, manage, and claim car, home, building, and single-item cover online in 90 seconds.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.naked.insure/ |
| Tagline | App-based insurance quotes, cover, and claims in 90 seconds |
| Primary country | South Africa |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Insurtech](/categories/insurtech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Loyalty & Rewards](/tags/loyalty-rewards): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/naked-insurance/alternatives)
- [Reviews](/naked-insurance/reviews)
- [Transparency](/naked-insurance/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/naked-insurance)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)