King Price car insurance: review, contact numbers and claims

King Price is a direct insurer, meaning you deal with the company itself. King Price Insurance Company Ltd is a licensed short-term insurer (FSP 43862) in the King Price Group, alongside King Price Life Insurance Ltd. Its market position is built around the decreasing premium idea. As with any insurer, the marketing tone is separate from the policy wording, and only the wording is contractually binding.

• Comprehensive premiums decrease every month as the car loses value; premiums are risk-profile dependent and reviewed annually. (kingprice.co.za)
• Six car cover options: Comprehensive, Agreed value (the insured value on the schedule is fixed for 3 years), Theft and write-off, Third party fire and theft, Third party only, and Collectable car (pay-per-k, the less you drive the less you pay). (kingprice.co.za)
• Roadside assist is limited to 3 incidents a year per car, remote assist services are covered up to R500 per incident and must be arranged through the emergency line; fuel delivery is 10 l with the fuel cost for your own account. (kingprice.co.za)
• Breakdown more than 100 km from home: covered for one of overnight accommodation, a taxi service or a rental car. (kingprice.co.za)
• Optional car extras (car hire, credit shortfall, King's cab, tyre and rim, scratch and dent, specified radio) need a comprehensive policy; car hire only pays if you added it and paid for it before the incident. (kingprice.co.za)
• Multi-car discount of up to 20% when you insure multiple cars. (kingprice.co.za)
• You choose your own excess on car insurance: a higher excess means a lower premium. The basic excess applies to each insured incident and some additional excesses may apply; amounts are on your schedule, app or self-service portal. (kingprice.co.za)
• Claims: report any incident that may lead to a claim within 30 days, report crime and accidents to the police, and do not repair or replace anything without authorisation. Claim online, in the app or by WhatsApp/phone. (kingprice.co.za)

On comprehensive cover, King Price's premium decreases every month as your car loses value. Premiums still depend on your risk profile and are reviewed annually, so the trend is downward but your price is not fixed by a formula you can predict from the car's age alone.

King Price also sells Agreed value cover, where the insured value noted on your policy schedule is the amount the car is covered for, for 3 years. That is a different arrangement from comprehensive. Ask King Price how the insured value on your schedule is set and how it changes, because that decides what you receive if the car is written off.

Checked on 29 September 2026 against King Price's official website. Numbers and channels change, so confirm on the linked page before you call. King Price 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: kingprice.co.za/...e/contact-personal-insurance, kingprice.co.za/...elpful-info/emergency-assist.

King Price's car page lists six options: Comprehensive, Agreed value, Theft and write-off, [third party fire and theft](/claims/third-party-fire-and-theft-claim/), third party only, and Collectable car. Collectable car is pay-per-k, so the less you drive the less you pay.

Optional extras are car hire, credit shortfall, King's cab, tyre and rim, scratch and dent and a specified radio. You need a comprehensive policy to add them, and car hire only pays if you added it and paid for it before the incident. Each add-on changes your premium, so price the policy with the extras you actually want rather than the headline figure.

If you insure multiple cars, you can get up to 20% off.

Emergency Assist runs 24/7/365 on 0860 50 50 50 and covers accident, medical, roadside and home emergencies. It is included for policyholders, so roadside is not an add-on.

There are limits. Roadside assist is limited to 3 incidents a year per car. Remote assist services are covered up to R500 per incident and must be arranged through the emergency line. Fuel delivery is 10 l, and the fuel cost is for your own account.

If your car breaks down more than 100 km from home, you are covered for one of the following: overnight accommodation, a taxi service or a rental car.

Excess is the first amount you pay on a claim. On King Price you choose your own excess on car insurance: a higher excess means a lower premium. The basic excess applies to each insured incident, and some additional excesses may apply. King Price does not publish a rand figure, so read the amounts on your schedule, in the app or on the self-service portal.

Common exclusions across insurers include driving under the influence, an unlicensed driver, an unroadworthy vehicle, and using a private car for hire or reward. The biggest avoidable risk is non-disclosure: if you give wrong information about who drives the car, where it is parked overnight, modifications, or your claims history, a later claim can be rejected. Answer every question accurately and keep proof of what you told them.

The table below is an orientation, not a quote. Your actual terms depend on your car, area, driver profile and claims history.

Use this only to frame questions. Get a real quote from King Price and compare it against at least two other insurers on like for like cover.

Pros: the decreasing premium on comprehensive cover, a choose-your-own excess, roadside and emergency help included, a wider range of cover types than the usual three, and a multi-car discount. Cons: roadside is limited to 3 incidents a year, optional extras need a comprehensive policy, you need to check how the insured value is set before relying on it after a write-off, and as with every direct insurer you do the comparison shopping yourself. None of this makes King Price good or bad. It makes it a fit for some drivers and not others.

Because we are not a broker, go to King Price's own website or call 0860 50 50 50 for a quote. King Price lists that one number for sales, claims (press 1) and client care (press 2), and confirm it on the official site before you call. Before buying, verify the insurer is licensed on the FSCA register.

When you claim, report any incident that may lead to a claim within 30 days, report crime and accidents to the police, and do not repair or replace anything without authorisation. If you have a dispute or a rejected claim and the insurer's internal complaints process does not resolve it, you can escalate for free to the National Financial Ombud, which absorbed the former Ombudsman for Short-Term Insurance (OSTI).