Car insurance

Simple insurance for your car... With premiums that decrease monthly

In a nutshell

Ever wondered why your car insurance premium keeps going up and up, while your car's value keeps going down and down? It doesn’t make sense at all!

At King Price, we completely get that price is king, and we also like to make insurance as simple as possible. That’s why we offer super cheap car insurance premiums that automatically decrease as your car loses value.

Crazy? Nope! It just makes sense to the king of insurance! And, we’re proud to say we’re the first insurer in Africa (and the world, as far as we know) to offer car insurance premiums that decrease every month.

The types of cars we insure

The king insures any Namibian-registered car or LDV (light delivery vehicle) as long as it’s not used for:

Emergency services (including traffic control and armed response).
Law enforcement.
Towing
Taxi purposes (or the transport of fare-paying passages).

The types of cover we offer

No matter your insurance needs, we’ve got the cover option for you! Whether you’re looking for all the bells and whistles, insurance that’ll cover damage to other people’s property, or peace of mind when it comes to theft… Your choice = our pleasure.

Comprehensive

With the king’s comprehensive car insurance we’ve also got your back when it comes to hail, damage, towing, storing and damage due to wild animals, explosion, fire, earthquake, storm, flood, freezing or snow. Your car is under the king’s protection!

Third party, fire and theft

This covers you for fire, theft and hi-jacking (and attempted theft or hi-jacking), as well as for liability for injury to other people and damage to their property as a result of a car accident. Here, you’re not covered for accidental damage to your own car.

Third party only

The king understands that some cover is way better than no cover at all. With third party only insurance, the king’s got your back if you accidentally cause injury to other people or damage to their property as a result of a car accident.

Comprehensive

This covers you for accident damage, theft and hi-jacking. It also covers small 'oepsies' that you may accidentally cause to other cars or property.

Third party, fire and theft

This covers you for theft and hi-jacking. It also covers you for liability to other people and their property as the result of an accident.

Third party only

This covers you for liability for accidental injury to other people or damage to their property.

What’s covered by the king

Roadside assistance
Accident assistance
Hail damage
Towing and storage
Legal liability
Accident
Theft or hi-jacking
Attempted theft or hi-jacking
Fire, explosion or earthquake
Storm, flood, freezing or snow

What’s NOT covered by the king

Driving under the influence
Leaving the scene of an accident
Racing or using your car to earn an income
Selling your car
Unroadworthy car
Intentional loss or damage
Your car is used without your consent

What’s covered by the king

Legal liability
Theft or hi-jacking
Attempted theft or hi-jacking
Fire

What’s NOT covered by the king

Driving under the influence
Leaving the scene of an accident
Racing or using your car to earn an income
Selling your car
Unroadworthy car
Intentional loss or damage
Your car is used without your consent
Accident
Roadside assistance
Accident assistance
Hail damage
Towing and storage
Explosion or earthquake
Storm, flood, freezing or snow

What’s covered by the king

Legal liability

What’s NOT covered by the king

Driving under the influence
Leaving the scene of an accident
Racing or using your car to earn an income
Selling your car
Unroadworthy car
Intentional loss or damage
Your car is used without your consent
Accident
Roadside assistance
Accident assistance
Hail damage
Towing and storage
Theft or hi-jacking
Attempted theft or hi-jacking
Fire, explosion or earthquake
Storm, flood, freezing or snow

Get up to 20% off when you insure 2+ cars

There's a great new way to save! It's called 'multiple car discount' and it's exactly what it sounds like... The more cars you comprehensively cover with us, the more discount you get!

Here's how it works:

1 car = super cheap insurance.
2 cars = up to 10% discount on both cars.
3 cars = up to 15% discount on all 3 cars.
4+ cars = up to 20% discount on all your cars.

Choose your excess

Keen to save even more on your car insurance premium? Choose your very own excess and we’ll adjust your premium accordingly!

It works a bit like a see-saw:

Lower premium = higher excess.
Higher premium = lower excess.

What’s an excess, you ask? It’s the first amount payable in the event of a claim (due by policyholders to insurers). So please make sure that you can pay the amount you’ve chosen, if you ever need to.

Want to learn more about what an excess is? Just click here.

Optional cover

Shortfall insurance

If your comprehensively insured car is financed by a financial institution (like a bank) at the time of it being written-off, stolen or hi-jacked, then shortfall cover pays any amount you may still owe the financer after we’ve paid out the value that’s stated on your policy schedule. Shortfall cover comes at a small additional premium but gives enormous peace of mind!

Sound equipment and other accessories

Want a little more bang for your buck? Well, if your car has non-standard sound equipment and accessories, let’s create a policy just for you, to cover your music, mags, and other extras!

Car hire

The king knows that when your car’s been stolen or damaged and needs repairs, you still need wheels to get around. With this optional cover, we make sure you have a rental car while your claim is being finalised, or for 30 days while your car is getting fixed.

Shortfall Cover

Sound equipment and other accessories

Want a little more bang for your buck? Well, if you have non-standard car sound equipment and accessories, let’s create a policy just for you… To cover your music, mags and other extras you may have added. Let us know and we can state this on your policy schedule and calculate a separate monthly premium for your added goodies.

Car hire

The king's benefits

Roadside assist

When you join our royal family, we've got your back! The king has you covered 24/7/365. Our emergency roadside assistance is always just a call away. So, please save our number on your phone now: 083 600 7000. Your problem = no problem… You're in the king's safe hands!

Feeling a little let down

Flat tyre getting you down? We’ll cover the labour cost of the tyre change, whether your flat happens on the road, at home or at the mall.

Left high and dry

Running out of fuel is inconvenient and can be dangerous. We’ll deliver 10 liters direct to your tank, just as quickly as we can. The drop-off is free but, sorry, the fuel isn’t.

There’s just no spark

A flat battery can drain your time and energy. Our royal battery technician will be with you in a flash, jumper cables in hand, to get you on the road again.

The key to your carriage

Unable to get into your carriage? Are the keys to your car so close and yet so far? If you lock your keys in your car (it happens!) our locksmith will be on his way soonest to liberate them. The king’s got you covered for the first hour of labour.

Breakdown far from home

Sitting roadside with your 4-wheeled beaut thanks to some mechanical issues? Call on the king and we’ll help you out with:

Accommodation for the night.
A taxi-ride home.
Or a rental car.

The king's benefits

Roadside assist

If your car has a mechanical or electrical breakdown, 1 of the king's hand-picked towing operators will tow your car to the nearest place for repair or safekeeping.

Feeling a little let down

Flat tyre getting you down? We’ll cover the labour cost of the tyre change, whether your flat happens on the road, at home or at the mall.

Left high and dry

Running out of fuel is inconvenient and can be dangerous. We’ll deliver 10 liters direct to your tank, just as quickly as we can. The drop-off is free but, sorry, the fuel isn’t.

There’s just no spark

A flat battery can drain your time and energy. Our royal battery technician will be with you in a flash, jumper cables in hand, to get you on the road again.

The key to your carriage

Breakdown far from home

Motor-, ski, rowing boat, yacht or jet-ski.
Whatever floats your boat, we'll insure it.
Don't set sail without the king's cover.

Let us call you back

Or

Personal insurance

Helpful info

Decreasing car premiums

What's covered by the king

Helpful info

About us

Manage your policy

Downloads

Car insurance

Simple insurance for your car... With premiums that decrease monthly

In a nutshell

The types of cars we insure

The types of cover we offer

Comprehensive

Third party, fire and theft

Third party only

Comprehensive

Third party, fire and theft

Third party only

What’s covered by the king

What’s NOT covered by the king

What’s covered by the king

What’s NOT covered by the king

What’s covered by the king

What’s NOT covered by the king

Get up to 20% off when you insure 2+ cars

Choose your excess

Optional cover

Shortfall insurance

Sound equipment and other accessories

Car hire

Shortfall Cover

Sound equipment and other accessories

Car hire

The king's benefits

Roadside assist

Feeling a little let down

Left high and dry

There’s just no spark

The key to your carriage

Breakdown far from home

The king's benefits

Roadside assist

Feeling a little let down

Left high and dry

There’s just no spark

The key to your carriage

Breakdown far from home

Insurance products

Important stuff

Decreasing
car premiums