AA Vehicle Rates Calculator

Rates Calculator

Roadside Assistance

Roadside Assistance

Emergency Services

Emergency Services

AA Auto Centre

AA Auto Centre

AA Financial Services

AA Financial Services

AA Travel

AA Travel

Call me backCALL ME BACK

I need help choosing a product


There are just over 11 million registered vehicles in South Africa (excluding caravans and trailers). According to statistics, the majority of these vehicles – around 60-70% are uninsured. This means that to keep you on the road, insurance is not a luxury, but a necessity.

Statistics from the Road Traffic Management Corporation (RTMC) indicate there are more than 800 000 crashes in South Africa annually¹. Based on the insurance statistics, this equates to around 520 000 cars which are involved in crashes and which are uninsured.

And, those motorists who are opting to have insurance, are often choosing insurance based on the lowest available premiums, rather than understanding the benefits and disadvantages of the insurance they are considering buying.

It is sometimes difficult to get insurance which matches your pocket, and which gives you the cover you need or want. For this reason, it is necessary for motorists to read their policies carefully, and to understand all the aspects of the insurance they are planning on taking. Too often, low premiums sound good but fall short when claims are made.

A good example is an excess fee which may be payable when a claim is made. An excess is a fee you pay towards a claim for loss or damage to your car, regardless of who is to blame.

A company offering a low monthly premium, for instance, may require a substantial excess in the case of loss or damage.

When this happens some people are shocked when the costs of repair to a vehicle may be carried entirely, or in part, through the excess fee, with little or no money being paid by the insurer. Lower monthly premiums, in this case, will not count for much as the motorist still has to pay a big portion of the costs out of their own pocket.

Motorists who want to insure their vehicles must understand the terminology of their contracts, and ask for clarification of any unclear clauses before committing to a specific insurance policy.

Critical questions to ask when considering insurance are:

What is my excess? Is there a different excess for loss and for damage?

Is the excess a flat rate, or is it calculated as a percentage of the loss or damage?

Besides the initial excess fee, are there any additional excess fees payable when I make a claim?

Are there any penalties for claiming within the first six months, or in the first year? (If there are, determine exactly what these penalties are)

What is the turnaround time for claims?

Will I be covered if other people drive my car? (And, if you are covered, is there a difference in the coverage if the car was driven by an 18-year-old driver or a 45-year-old driver?)

Is my car covered for resale or full retail value?

Is this insurance comprehensive insurance?

Are there any limitations on where or when I can drive my car?

If something happens to my car, is car hire included in my cover while it is being repaired or replaced

Insurance is a necessity but it is more important that when taking out insurance motorists understand exactly what they are getting, and how much it will cost them if they do claim.

1Costs of Crashes in South Africa, Research and Development Report (August 2016), Road Traffic Management Corporation.

Tools & Calculators
What is your Emergency?
The Automobile Association of South Africa

For over 90 years, we’ve provided you with roadside rescue and security, so you know you can rely on the Automobile Association day and night.

We aim to empower you as a road user and add value to your life with our products and services.

Minor relief, if any, expected for fuel prices in August

Following two consecutive months of substantial fuel decreases, the tide appears to be turning and South Africans can expect either minor relief at the pumps in petrol prices and slight increases to diesel and paraffin prices in August. According to the Automobile Association (AA), current unaudited data from the Central Energy Fund (CEF) is indicating these trends at mid-month. These trends are likely to change as the month progresses. The current numbers are showing 95ULP down by around...

New Ministers must step up government’s service to citizens

The finalisation of the Cabinet of National Unity by President Cyril Ramaphosa has brought certainty to the leadership of key government departments, a move welcomed by the Automobile Association (AA). The Association notes that Ms Barbara Creecy, appointed as the new Minister of Transport, and Mr GwedeMantashe, re-appointed as the Minister of Mineral and Petroleum Resources, must now ensure effective leadership with a view to making meaningful inroads into critical areas managed by their...

Positive outlook for most fuel prices for July

The small decrease in the number of fatalities on South African roads between the December 2022 and January 2023 festive period and the 2023/2024 period is commendable and signals a slight improvement in road safety efforts by authorities. However, the Automobile Association (AA) remains concerned that the deaths of 1427 road users during the festive period is still too high, and that more needs to be done to effectively deal with road safety in South Africa. Transport Minister Sindisiwe...