Auto and General Car Insurance Review 2022

Published by
Lethabo Ntsoane

Car insurance in South Africa comes with many advantages considering the level of crime that the country is facing. You need to safeguard your motor vehicles with an insurer that understands the industry. 


Insuring your car with an insurer like Auto and General can give you peace of mind. The company has decades of insurance experience and has been providing quality insurance services for some time now. 

With the help of Telesure Group, Auto and General have been able to provide car insurance services at prices that are beyond reasonable. The company is not only experienced and trustworthy but also offers low-cost car insurance of high quality. 

Auto and General Car Insurance

Auto and General car insurance offer products that are there to cater to the car insurance needs of different car insurance buyers. You can take a fully stacked insurance cover or you can just insure for third-party liability, it is all up to you. 

The company offers 3 car insurance products with each targeting a specific group of car insurance buyers. Available car insurance products include comprehensive car insurance, third-party, fire, and theft cover, and theft only cover. 

The insurance products available are discussed below. 

Auto and General Comprehensive Car Insurance

Auto and General Comprehensive Car insurance is a car insurance policy that covers your vehicle against damage that you’ve accidentally caused to your car, theft or damage by a third party, and damage from natural occurrences. 


You get towing and storage cover from the comprehensive cover. Auto and General will pay for the cost of towing your vehicle and storage in some cases. If your car is damaged by an accident, you can make a claim on the policy for the costs of repairing the vehicle or replacement costs if the vehicle is written off. 

Your vehicle is covered for theft and hijacking. You can make a claim against theft or hijacking of the vehicle you have insured and after a successful claim, Auto and General will cover the cost of replacing the vehicle that was stolen from you. 

Third-Party claims such as death or injury or damage to third-party property are covered. This makes comprehensive car insurance not only an insurance product that aims at protecting your vehicle but that also protects you as a driver of the vehicle. 

Vehicle accessories are covered automatically by the policy. Hail damage and car hire are also automatically covered by the policy. Therefore, financed cars are covered for any damage from hail storms. 

Note that third-party covers can be increased to the amount of your choice. This will not affect any benefits that you get from the comprehensive cover including all third-party covers. 

Third-Party, Fire, and Theft Car Insurance

Auto and General Third Party, Fire, and Theft car insurance cover against any damage caused to a third party and fire damage caused by your motor vehicle. The cover also covers against theft. Note that you cannot make claims against damages that are not related to the aforementioned occurrences. 

Should you lose your vehicle due to theft or hijacking, you can make a claim to Auto and General as a policyholder. The claim will be the cost of replacing your motor vehicle. 

You are allowed to increase your cover amount on your third party, fire, and theft car insurance. This will allow you to adjust your future premiums based on your then knowledge of how much it can cost to fix a car on average in South Africa or your region. 

This insurance is unlike comprehensive car insurance. The difference between the two is that comprehensive car insurance comes with added covers such as hail damage and more. Added benefits on the comprehensive car insurance make it more expensive when compared to third-party, fire, and theft insurance. 

Third-Party Only Cover

Auto and General third-party only car insurance covers only the damage that the customer causes to other motorists’ vehicles or property. This cover is way affordable but comes at a cost to your own vehicle. 

You are covered for accidental damage to someone else’s property. You will be able to make a claim to the policy and all the costs of replacing or repairing the property or vehicle damage will be paid in favour of the third party vehicle or property. 

Furthermore, you are allowed to increase your third party only cover premiums anytime you feel like you are underinsured. This move will boost your cover amount to enable you to be able to cover most or all of the damage that you will cause in the future. 

Benefits that come with the Auto and General Car Insurance

By getting the Auto and General Car insurance, you will automatically receive a plethora of benefits after your subscription. The benefits that you get are there to help you navigate through life and get easy access to help whenever needed. 

Comprehensive Car insurance policyholders get access to AutoSOS. AutoSOS is a smartphone app that automatically detects when a regular driver gets into an accident. When this happens, the AutoSOS call Centre receives a report of the incident.


All clients get assist benefits that assist them to cope in times of an emergency. There is also a chance to get cashback on premiums with cashback plus. You can get up to 25%of all your premiums paid back. 


Auto and General Car insurance is a car insurance product to try out. The product offers standard car insurance coverage at a reasonable price. Benefits are easy to understand and are not sophisticated. The cashback plus benefit is one of the most intriguing benefits from the insurer as it pays you back for driving well. 

The mobile app makes it easier for the company to operate more efficiently with claims and other services accessible at a go. Now, claims can be attended to quickly and alliterations can be done to the policy in a matter of minutes by policyholders.

Auto and General Car Insurance Review 2022
Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted at

Published by
Lethabo Ntsoane