Old Mutual Insure car insurance: review, contact numbers and claims

Mutual & Federal became Old Mutual Insure with effect from 5 June 2017, after the rebrand was announced on 14 March 2017. The Mutual & Federal name goes back to the 1800s. Old Mutual Insure is the same insurer, not a new one. (fanews.co.za)

Old Mutual Insure Limited is a licensed non-life insurer and FSP. It is listed as one of Old Mutual's own businesses on oldmutual.co.za, and the group is headed by Old Mutual Limited. Its official pages now live on oldmutual.co.za, not on a separate Old Mutual Insure website.

• Car cover comes in three levels: comprehensive (theft, hijacking, fire, accidents, natural events, third-party liability), third-party fire and theft, and third-party only. (oldmutual.co.za)
• Optional extras on car cover include 24-hour emergency roadside assistance and car hire. (oldmutual.co.za)
• Cheaper levels for drivers with no vehicle finance: with no loan or credit agreement on the car you can choose third-party fire and theft or third-party only, which the page says are more affordable, for example for first-time drivers. (oldmutual.co.za)
• There is no waiting period on car claims, but the police must be told and the insurer's documents supplied. (oldmutual.co.za)
• Value4U Motor VAPS is an add-on for drivers keeping a car longer: extended warranty, scratch and dent, and tyre and rim cover. (oldmutual.co.za)
• Old Mutual Insure sells both direct and through brokers: direct customers request a quote or call 0860 22 55 63, brokers and advisers use 0860 63 73 73. (oldmutual.co.za)
• Approved motor body repairers operate around the country, and Swiftcare gives policyholders 24/7/365 emergency assistance, claim registration and claim tracking. (oldmutual.co.za)
• Rename: Mutual & Federal became Old Mutual Insure with effect from 5 June 2017 (announced 14 March 2017). (fanews.co.za)

Old Mutual Insure sells personal car insurance in three levels. Comprehensive is the widest and covers theft, hijacking, fire, accidents, natural events and liability to a third party's vehicle or property. Third party, fire and theft and third party only are narrower.

The page presents the cheaper third party fire and theft and third party only levels as an option when there is no loan or credit agreement on the car, and it gives first-time drivers as an example. Cheaper cover means you carry more of the cost of damage to your own car, so weigh that against the saving.

24-hour emergency roadside assistance and car hire are optional extras, not standard. Value4U Motor VAPS is a separate add-on for drivers who plan to keep a car longer. It adds extended warranty, scratch and dent, and tyre and rim cover.

Checked on 29 September 2026 against Old Mutual Insure's official website. Numbers and channels change, so confirm on the linked page before you call. Old Mutual Insure 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: oldmutual.co.za/about/old-mutual-insure, oldmutual.co.za/...term-insurance/car-insurance, oldmutual.co.za/...nce/old-mutual-insure-claims, oldmutual.co.za/personal/digital-solutions.

Old Mutual Insure has two doors. Direct customers can submit their details to request a quote or call 0860 22 55 63. Brokers and advisers deal with the insurer on 0860 63 73 73 for personal lines, commercial, agriculture and claims enquiries.

The claims page tells you to contact your broker or call 0860 24 7 365 to register a claim, so if you have a broker, they will normally be your first call. A broker can compare insurers for you. Buying direct means you do the comparison yourself. Either way, compare on matching cover, excess and total cost, not on brand alone.

Old Mutual Insure says there are no waiting periods when you claim. You still have to notify the police where relevant and supply the insurer's documents.

To register a claim, contact your broker or call 0860 24 7 365. Motor claims and windscreen claims also have their own email addresses, listed above. Swiftcare gives policyholders 24/7/365 emergency assistance, claim registration and claim tracking. Approved motor body repairers operate around the country.

If Old Mutual Insure rejects or underpays a claim and its internal process does not resolve it, you can escalate free of charge to the National Financial Ombud, which absorbed the former Ombudsman for Short-Term Insurance (OSTI). Before buying, verify the insurer on the FSCA register.

We found no published basic excess on the pages we checked, so read the excess on your quote and schedule before you accept cover. We also found no telematics or rewards feature for car cover.

The usual exclusions and traps apply: driving without a valid licence, drink driving, business or e-hailing use you did not disclose, and non-disclosure of material facts. Wrong or incomplete answers when you take out or change the policy can get a later claim rejected.

Old Mutual Insure suits drivers who want a large, long-established insurer with both a broker channel and a direct channel. It suits less if you want a driving-score discount or a published excess you can compare before you ask for a quote.