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


Motorists who do not have insurance on their vehicles run the risk of having to make significant financial outlays in the event of crashes, not only for themselves but for others involved in these incidents. The Automobile Association (AA) says it remains concerned that less than 35% of vehicles in the country are insured.

“Vehicle insurance is not a legal requirement in South Africa. According to the South African Insurance Association (SAIA) about 65% of South African motorists are not insured. There are approximately one million road accidents reported annually in South Africa which means there is a high chance that a crash will occur with an uninsured driver,” notes the AA.

Data from around the world shows that insurance policies improve the overall risk management of policy holders, which in turn encourages road users to exercise greater caution and care on the road.

“The risk of not having vehicle insurance means that when an uninsured motorist is involved in a crash and they are at fault, they will have to pay for the damages to their own and the other vehicle out of their pocket. This could leave the driver with several major issues including not enough money to cover repairs on their own vehicle and therefore leave them without transport, and financially worse off than they would have been with insurance,” says the AA.

Besides the safety aspect, increasing the number of insured drivers on our roads will translate into the reduction in the cost of motor insurance which is the number one reason that motorists cite for not having vehicle insurance.

Here are some benefits to having vehicle insurance

  • Pays for the damage: If you have an accident and it is your fault, you will have to pay for your own car’s repairs, as well as the other person’s car. The rising cost of repairs and car parts should serve as motivation for vehicle insurance.
  • Replace a stolen car: If the unfortunate happens and your car is stolen, the last thing that you would want to worry about is how you will replace the stolen car. With the right insurance cover, you could replace the stolen vehicle.
  • Roadside assistance: One important benefit is roadside assistance, because you never know when you might need it.  Whether it is a flat tyre that needs replacing, or you have run out of fuel, there is a service to help.
  • A negative effect on your creditworthiness: Another unintended consequence of not insuring a car on which you still owe money is that you may struggle to get a loan for another vehicle. If you are still paying off the original loan and you do not have enough disposable income, you might fall below the affordability limit to qualify for more vehicle finance. It can also affect your credit profile, making it even more difficult to get other forms of credit.

Ways to save money on vehicle insurance

  • Buy a cheaper car: The lower the value of your vehicle, the less it costs to insure.
  • Request a policy review: Cars depreciate every year and circumstances may change. Conduct an annual review with your insurer.
  • Drive less: Keeping mileage as low as possible means less time on the road and therefore reduced risk of an accident, theft, or damage.
  • Keep it safe: Insurance premiums for vehicles that are safely locked up in a garage at night will be lower than for vehicles that are left outside.
  • Use Technology: Vehicles fitted with tracking and anti-theft devices are cheaper to insure, as are vehicles with telematic devices that monitor driver habits and vehicle usage.
  • Avoid unnecessary claims: Not claiming for small damages and thus keeping a claims history in check will have a positive effect on premiums.
  • Stay insured: Do not let insurance lapse and don’t cancel because it’s too expensive. Gaps in your payment history might mean a higher premium.

For more information on vehicle insurance visit https://aa.co.za/car-insurance/.

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.

Decrease in fatalities welcome – but more needs to be done

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...

2024 to start on positive fuel note for consumers

Despite the volatile Rand and concerns around shipping routes in the Red Sea, local fuel prices are still expected to decrease when they are adjusted by the Department of Mineral Resources and Energy next Wednesday. Commenting on unaudited data from the Central Energy Fund (CEF), the Automobile Association (AA) says the numbers are still pointing to reductions to fuel prices across the board.   According to the CEF’s figures, ULP95 petrol is expected to be lower by around 54cents a litre while...

Good fuel news for motorists to start 2024

South African motorists can expect significant fuel price reductions to kick-off 2024 says the Automobile Association (AA). Commenting on unaudited data from the Central Energy Fund (CEF), the AA says both grades of petrol, diesel, and illuminating paraffin prices are showing substantial decreases that will ease the financial pressure on consumers in January. “According to the data, ULP93 will decrease by around 68 cents/litre, and ULP95 will decrease by 82c/l. Diesel is set to decrease...