Naked

Naked is a non-life insurer backed by Hollard that offers South Africans affordable, no-nonsense personal car and home insurance.

Put simply, Naked is different because their business model is. Most insurers will reap higher profits during months of lower claims but with Naked that’s not the case. Rather than pull more profit when they encounter periods of lower claims they simply take a set “flat fee” from each policy which goes toward running expenses and profits.

Anything left over goes to what they call the “claims pot” so that your claims can be taken care of. Any funds leftover from this are paid over to causes that you care about – causes like Greenpop and WOOF.

Causes backed by Naked

• Door of Hope is an organization that takes in abandoned babies and helps them find the loving homes they deserve.
• Christel House is a school located in Cape Town that helps vulnerable children with food, transport, healthcare, and counseling.
• Cotlands is a well-known charity that helps vulnerable communities access resources to improve child development and education.
• Greenpop Foundation aims to help restore the vulnerable ecosystems of our vulnerable planet by planting trees – as many trees as possible!
• Living Legends addresses poverty and unemployment by offering children the opportunity to identify and cultivate their natural talents with a focus on life skills and sports.
• WOOF Project cares for shelter dogs by providing them with food and shelter while Oscars Arc helps them find a loving forever home.

An online insurer that gets things done

Naked allows you to do everything insurance-related online using their app or website. You can get a quote in just 90 seconds, select a cause to support, or make a quick insurance claim when something has gone wrong  100% online.

Naked offers simple, convenient, and affordable car and home insurance that you can get, adjust and cancel anytime from the Naked app.

As a specialist insurer who only provides cover to individuals (rather than businesses and organizations), they’re able to get to know you better and therefore serve you better. Their car and home insurance products have been simplified and it’s really easy to understand what you’re getting (and what you’re not) when you review their FAQs. In addition to affordable cover that helps you do good for causes close to your hearts, you get loads of complimentary services you’ll find very useful during an emergency. 

Home contents insurance explained

With Naked you can choose a combination of building and home contents insurance or either of them separately. All you need to do is download the app and get the application process going.

Home contents insurance covers you for the replacement value of your personal belongings (and those of anyone living with you) in the event that they are stolen, damaged, or destroyed. This could happen as a result of a burglary, fire or explosion, or a weather-related incident.

You can also choose to add on extra cover for hot water tanks, and electrical and gas heaters but sadly not for any solar heating systems. If you want accidental damage cover (like when you knock over your antique cabinet and damage your porcelain vase collection) you’ll have to add cover by specifying such items.

Get help during a home emergency

In addition to requesting emergency services such as police, fire, and ambulance services via the app - you can also get roadside, tow truck services, and emergency home assistance. This means you can use the app to summon a locksmith, glass company, tree-feller, pest control, an electrician or plumber and Naked will cover the call-out fee, materials, and labour. This is subject to a limit of five incidents per year.