Auto & General car insurance: review, contact numbers and claims

Auto & General suits drivers who want a direct insurer with practical add-ons such as roadside assistance and optional legal cover, and who are happy to deal online or by phone.

It suits less if you want a broker to advise you, or if you only want bare-bones cover at the lowest price. If add-ons like legal support matter to you, this is where the brand stands out.

• Cover types: Comprehensive, Third Party Fire and Theft, and Third Party Only; hail damage is an optional extra on comprehensive. (autogen.co.za)
• Service promise: A&G says it will pay you R1000 if it does not deliver on its service promise. (autogen.co.za)
• Lifetime guarantee on all vehicle repairs after a claim, and a dedicated claims consultant. (autogen.co.za)
• The app offers claim capture, policy management, 24/7 emergency assistance and crash detection. (autogen.co.za)
• Optional Cashback add-on for customers who are claim-free with uninterrupted cover. (autogen.co.za)
• Claims time limits: notify within 30 days, provide requested documents within 15 days, file a SAPS report within 48 hours for anything lost or stolen; the policy is month to month so premiums must be paid to have cover. (autogen.co.za)
• If someone other than the noted regular driver or spouse has the accident, an additional excess may apply; always check the policy schedule. (autogen.co.za)
• Homepage promotes 24/7 roadside fuel assist, locksmith assist for lost car keys, and says 50% of claims are auto-settled (marketing claims). (autogen.co.za)

Auto & General offers comprehensive cover (accident, theft, hijacking, fire and third party damage), plus more limited third party fire and theft and third party only options. It is known for bundling roadside assistance and offering legal cover and other add-ons.

The exact cover, limits and add-ons depend on the plan you choose. Read your schedule and wording to see which extras are included by default and which cost more, so there are no surprises later.

Checked on 29 September 2026 against Auto & General's official website. Numbers and channels change, so confirm on the linked page before you call. Auto & General will not ask you to pay into a new bank account over the phone; hang up and call the official number if anything feels off.

Sources: autogen.co.za/contact-us, autogen.co.za/autosos/download-our-app.

Roadside assistance (for breakdowns, flat tyres, jump starts and the like) and optional legal cover are part of what makes Auto & General attractive to some drivers. These can add real day-to-day value beyond accident cover.

That said, add-ons have their own limits, call-out caps and terms. Check exactly what is included, how many call-outs you get, and what legal matters are covered before assuming the add-on does everything you expect.

Your excess is what you pay towards each claim and varies by vehicle, driver and options, with possible extra excesses for young or unlisted drivers. Confirm the figures on your schedule before a claim.

Claims can be reduced or rejected for the usual reasons: driving without a valid licence, drink driving, undisclosed business or e-hailing use, and non-disclosure of material facts. If the details you gave when taking out or updating the policy are wrong or incomplete, a later claim can be repudiated. Keep your regular driver, use and overnight parking address accurate.

Use this as an at-a-glance summary. Premium figures are indicative ranges for context only, not quotes - your price depends on your car, area, age and driving.

Claim directly through the Auto & General app or call centre. Report promptly, get a claim number, photograph the scene and damage, and keep documents. Accident claims usually need a police case or accident reference number.

If Auto & General rejects or underpays and internal channels do not resolve it, you can escalate free of charge to the National Financial Ombud (NFO), which absorbed the former Ombudsman for Short-Term Insurance (OSTI). Before buying, verify the insurer on the FSCA register.