Motorcycle Insurance in South Africa
The RAF compensates injury regardless of fault, but motorcycles face disproportionate theft risk that makes property cover a serious consideration.
Top 10 Motorcycle Insurers in South Africa
Ranked by performance & user satisfaction
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| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
OUTsurance
|
Comprehensive
Third Party
|
|
|
|
2
Discovery Insure
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
3
Santam Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
4
Budget Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
5
MiWay Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
6
Momentum Short-Term Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
7
Hollard Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
8
King Price Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
9
Dial Direct Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
10
Auto & General Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
OUTsurance
Discovery Insure
Santam Insurance
Budget Insurance
MiWay Insurance
Momentum Short-Term Insurance
Hollard Insurance
King Price Insurance
Dial Direct Insurance
Auto & General Insurance
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
OUTsurance
|
Comprehensive
Third Party
|
|
|
|
Discovery Insure
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Santam Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Budget Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
MiWay Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Momentum Short-Term Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Hollard Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
King Price Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Dial Direct Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
|
|
Auto & General Insurance
|
Comprehensive
Third Party Fire & Theft
|
|
OUTsurance
Discovery Insure
Santam Insurance
Budget Insurance
MiWay Insurance
Momentum Short-Term Insurance
Hollard Insurance
King Price Insurance
Dial Direct Insurance
Auto & General Insurance
As with cars, South African motorcycle insurance isn't legally mandatory, but the Road Accident Fund only ever covers injury — never the bike itself. Given high theft rates targeting motorcycles specifically, the insurance decision carries real weight.
Theft Risk and Tracking Devices
Motorcycles are disproportionately targeted for theft in many South African urban areas given their resale value and how quickly they can be moved. Many insurers offer meaningful discounts, or require, an approved tracking device for higher-value bikes.
Coverage Levels
Third Party Only, Third Party Fire and Theft, and Comprehensive mirror car insurance structure. Given theft exposure specifically, Fire and Theft or Comprehensive deserves serious consideration even for older bikes.
Riding Gear Cover
Protective gear is often a separate add-on rather than automatic inclusion. Given the real cost of quality equipment, checking this specifically at application is worth the extra few minutes.
Club and Group Discounts
Some insurers offer discounts for riders belonging to recognised motorcycle clubs or associations, on the basis that organised riders statistically show lower claims rates.
Key Guidance
Given how disproportionately motorcycles are targeted for theft in parts of South Africa, weigh Fire and Theft or Comprehensive cover seriously. Read our complete guide for the full claims process.
In-Depth Guide
Motorcycle Insurance in South Africa: How to Get It and How to Claim It
Full application and claims process →
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