Calculate Your Estimate
▾| Cover Type | Premium Range |
|---|---|
| Fire Insurance | — |
| Burglary / Theft | — |
| Public Liability | — |
| Professional Indemnity | — |
| Goods in Transit | — |
| Total | — |
South Africa Business Insurance Estimator — What You Need to Know
Estimate business insurance costs in South Africa. Calculate fire, theft, public liability, and goods in transit premiums for your SME. Use this free calculator to get a quick estimate before contacting insurance providers.
South Africa has no mandatory comprehensive car insurance. The Road Accident Fund (RAF) covers personal injury via a R2.18/litre fuel levy. Comprehensive cover averages R800-R1,400/month. OUTsurance, Discovery Insure, Santam, and MiWay lead the market. COIDA rates range from 0.22% to 8.26% of payroll. The market is regulated by FSCA and the Prudential Authority, with insurance penetration at 12.2% of GDP.
Disclaimer: These are estimates based on market data and published rates. Actual premiums depend on individual circumstances, insurer assessment, and negotiation. Always get formal quotes from licensed providers.