Car accident insurance is now available upon request in South Africa. compares its product to mobile phone airtime: “You buy the cover that you can only afford when you need it and charge it when you need it.”

“Insurance companies actually penalize you if you live in a poorer area and drive a cheaper car. They charge less to insure fancy cars in fancy areas, ”says co-founder Thabang Butelezi.

“It just doesn’t make sense to me that those South Africans who need better prices should be quoted more.

“In addition, most of us hardly drive a car during Covid-19.

“ has developed the answer for those who can’t afford ongoing car insurance and for those who are fed up with the great car insurance rip-off.

“Instead of paying monthly car insurance for the rest of your life by direct debit, download the free app from the Google Play Store and buy prepaid insurance for 24 hours,” explains Butelezi.

“You are in full control and can adjust the coverage to suit your budget, as a certain amount of coverage is better than nothing.

“For example, for less than the price of two two-liter cold drinks, you can get coverage of R 13,000. If you have more money, you can buy coverage of up to Rl 20,000. “

Butelezi notes that is not a substitute for traditional auto insurance.

“It offers affordable daily basic insurance if you need it, but the insurance is only for accidents.

“ is for those times when you think a certain driving occasion is riskier.” offers its insurance product with no excess.

“We don’t care about your damage history either,” added co-founder Duncan Barker.

“We keep things very simple. You choose the amount of coverage you need for the next 24 hours based on what you can afford. “

Payment is made through the app. Cash payments are also accepted at FNB ATMs.

In order to purchase the insurance product, potential customers need to purchase a one-time data logger for R350.

The data logger carries out a diagnosis on the vehicle. can also see whether the driver has had a serious accident and send a towing service to the scene.

South African road users can also use the app for on-demand breakdown assistance. participated in the AlphaCode Incubate program, an initiative to support fintech startups worth R 10 million.

“ is very trendy with its insurance-on-demand concept,” says Dominique Collett, Senior Investment Executive at Rand Merchant Investments and Head of AlphaCode.

“We believe there is a tremendous need for innovation in insurance, especially during Covid-19 when finances are at full capacity and existing models are no longer affordable.

“ has developed a compelling solution for South Africans who want coverage but cannot afford traditional insurance.” is signed by Compass Insurance. It is currently only available in Gauteng and is to be expanded nationally.