Standard Bank Insurance car insurance: review, contact numbers and claims

For cars, Standard Bank acts as a broker. Standard Bank Insurance Brokers sources up to 5 quotes from Auto & General, First For Women, Hollard, King Price and Standard Insurance Limited. The cover is underwritten by the insurer whose quote you accept. There is no single Standard Bank underwriter behind every policy.

Standard Insurance Limited (FSP 33348) is also part of the Standard Bank Group. The other four are separate insurers. Standard Bank says premiums are based on your personal risk profile.

Read your policy schedule to see who the underwriter is, because that insurer is bound by the contract. Confirm its licence on the FSCA register before you rely on any cover.

• Standard Bank's car insurance is a broker service: Standard Bank Insurance Brokers sources up to 5 quotes, from Auto & General, First For Women, Hollard, King Price and Standard Insurance Limited. (standardbank.co.za)
• Standard Bank Insurance Brokers (Pty) Ltd is an authorised FSP (FSP 224) and part of the Standard Bank Group. (standardbank.co.za)
• Two cover levels are described: comprehensive (collision, theft, fire, storms) and limited (third party only, or third party plus theft or fire). (standardbank.co.za)
• Claims go to the insurer that provides your policy, not to one central Standard Bank claims desk: the page lists a separate claims number for each of the five insurers. (standardbank.co.za)
• UCount Rewards members earn 50 Tiering Points a month for each qualifying insurance policy. (standardbank.co.za)
• Premiums are based on your personal risk profile, and the page promises help for home and road emergencies at any hour. (standardbank.co.za)
• The call-me-back contact centre operates from 07:00 to 19:00. (standardbank.co.za)
• The Standard Bank Insurance App lets you link an existing Car and Home policy and register car insurance claims; Standard Insurance Limited (FSP 33348) is the insurer behind it. (standardbank.co.za)

Standard Bank's page describes two levels. Comprehensive covers loss or damage caused by collision, theft, fire or storms. Limited cover is either third party only (damage to the other person's vehicle in an accident) or third party plus loss or damage from theft or fire.

Comprehensive is the wider option and the one that deals with damage to your own car. Extras such as car hire or credit shortfall are not described on Standard Bank's pages, so they depend on the insurer and product you choose. Check your schedule line by line.

Checked on 29 September 2026 against Standard Bank's official website. Numbers and channels change, so confirm on the linked page before you call. Standard Bank 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: standardbank.co.za/...ontact-us/contact-us-details, standardbank.co.za/.../vehicle-and-asset-insurance, standardbank.co.za/.../standard-bank-insurance-app.

Excess is the amount you pay towards each claim. Standard Bank does not publish excess amounts, because the excess comes from the insurer whose quote you accept. Ask what the basic excess is and whether extra excesses apply, for example for young or inexperienced drivers. These can stack, so your real out-of-pocket cost can be higher than the headline figure.

The most common reason claims get reduced or rejected is non-disclosure: getting your overnight parking address, regular driver or vehicle use wrong, even unintentionally. Answer every question honestly and update the insurer when things change. Read the exclusions section too, because items like wear and tear, driving over the legal alcohol limit and an expired licence are common carve-outs.

Indicative only. We do not know what any one quote will cost you, so get real quotes and compare them like for like.

On the plus side, one request can bring back several quotes from named insurers, and you deal with a broker who is part of a bank you may already use. UCount Rewards members earn Tiering Points on qualifying insurance policies. If you like one relationship for banking and quotes, that convenience is real.

The trade-offs: claims do not go to a central Standard Bank desk, so you need the claims number of the insurer that issued your policy. A broker quote is also not automatically cheaper or dearer than going direct. Compare it with at least one or two quotes you get yourself.

We are an information site and not a broker, so quote through Standard Bank's own channels. Its Insurance Brokers page has a call-me-back form, and the contact centre works from 07:00 to 19:00. The Standard Bank Insurance App also gets quotes. Standard Bank's pages do not mention a branch route for car quotes. Have your vehicle details, licence and address handy.

Claims go to the insurer that issued your policy. Standard Bank lists Auto & General 0861 600 224, First For Women 0861 111 805, Hollard 0860 000 351, King Price 0860 005 500 and Standard Insurance Limited 0860 123 444. The app is described as letting you link an existing Car and Home policy and register car insurance claims, and Standard Insurance Limited is the insurer behind it. If your policy is with one of the other four, use that insurer's claims line. Keep a case reference, photos and any police case number for theft or accident claims.

If you believe a claim was unfairly declined or short-paid, first use the insurer's internal complaints process and ask for the decision in writing with reasons. Keep all correspondence.

If you are still unhappy, you can escalate free of charge to the National Financial Ombud, which now handles short-term insurance complaints previously dealt with by OSTI (the Ombudsman for Short-Term Insurance). The Ombud is independent and the service costs you nothing.