FNB Car Insurance

FNB Car Insurance

Your car is more than just a vehicle, it is your connection to work, family, and the freedom to move. It deserves the best protection possible, and that is where FNB Car Insurance comes in. Designed for South African drivers, FNB offers reliable, flexible, and affordable insurance options that fit your lifestyle and budget. Whether you experience a small bumper scratch, a major accident, or an unexpected theft, FNB ensures you have the right support to get back on the road quickly.

With FNB, you can choose from different cover options, including Comprehensive Cover, Third-Party, Fire and Theft, or Third-Party Only. Each plan gives you peace of mind that your car and finances are protected against life’s surprises. You also get access to great benefits such as 24/7 roadside assistance, quick and simple claims, and cashback rewards when you remain claim-free for a certain period.

Managing your insurance is easy with the FNB App, where you can get a quote, submit a claim, and track everything in one place. If you already bank with FNB, you can enjoy special discounts and lower premiums based on your banking profile. No matter what you drive or how often you use your car, FNB Car Insurance gives you confidence every time you hit the road. It is a trusted and convenient way to protect what matters most, helping you stay covered, save more, and drive with complete peace of mind.

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Benefits of FNB Car Insurance

FNB Car Insurance is designed to give drivers reliable protection, value for money, and convenience when it matters most. Its range of benefits makes owning and maintaining a car simpler and more rewarding.

24/7 Roadside Assistance

Enjoy peace of mind knowing that help is always just a call away if your car breaks down, runs out of fuel, or gets a flat tyre anywhere in South Africa.

Approved Repair Network

FNB works with trusted and professional repairers who use only genuine parts, ensuring your car is repaired to high-quality standards.

Cash Back Rewards

Drive safely and get rewarded for it. You can receive up to 15% of your premium back if you remain claim-free for a certain period.

Quick and Easy Claims Process

Filing a claim is simple and hassle-free. You can manage and track everything through the FNB App or contact the claims team directly for quick support.

Optional Car Hire Cover

Stay mobile even when your car is in for repairs. With the car hire option, you can continue your daily routine without disruption.

Exclusive Discounts for FNB Clients

Customers who bank with FNB enjoy lower premiums, as their financial profile can help them qualify for better insurance rates.

What Does FNB Car Insurance Cover?

With FNB Car Insurance, you can drive with complete peace of mind knowing your vehicle is protected in many situations. Your cover includes:

Towing and Storage: Assistance with towing and safe storage of your vehicle after an accident or breakdown.
Damage Caused by Animals (Not Pets): Protection against unexpected damage from wild or stray animals.
Windscreen and Permanent Window Glass: Cover for the repair or replacement of your car’s windscreen and fixed windows.
Accidental Damage: Comprehensive protection for your vehicle when it is damaged in an accident.
Natural Disasters: Cover for losses caused by storms, floods, hail, or other natural events.
24/7 Roadside Assistance: Get immediate help anytime and anywhere if your car breaks down.
Theft and Hijacking: Financial protection in case your vehicle is stolen or hijacked.
Locks and Keys: Replacement or repair of locks and keys if they are lost, stolen, or damaged.

Types of FNB Car Insurance Cover

FNB offers flexible car insurance options to suit every kind of driver, vehicle, and budget. Each plan is designed to give you the right level of protection and peace of mind on the road.

Third-Party Only Cover

This is the most affordable choice, offering protection for damages you cause to another person’s vehicle or property, but not your own. It is ideal for older vehicles or for drivers who simply want basic cover that meets legal requirements.

Comprehensive Cover

The most complete protection available. It covers accidental damage, theft, hijacking, fire, and natural disasters, as well as any damage you cause to other vehicles or property. This option gives you total confidence knowing that both your car and others are protected.

Third-Party, Fire, and Theft Cover

A balanced mid-range option that covers your vehicle against fire and theft, while also protecting you if you damage someone else’s vehicle or property. It is perfect for those who want more than basic coverage but still want to save on premiums.

Cost of Car Insurance At FNB

The cost of FNB Car Insurance depends on your personal details, the car you drive, and the type of cover you choose. Factors such as your location, driving experience, and claim history also affect your monthly premium.

In general, comprehensive car insurance in South Africa ranges from about R800 to R2 000 per month, depending on the vehicle’s value and the driver’s risk profile. FNB premiums usually fall within this range, with flexible options that can be adjusted to fit your budget. To know your exact cost, you can get a personalised quote directly from FNB. This ensures you receive a price that matches your driving habits and level of cover. FNB also helps customers save through:

Discounts of up to 20% for people who work from home and drive less often.
Up to 15% cashback in eBucks for remaining claim-free for a set period.
Optional cover add-ons, such as the First Warranty plan, which starts at around R199 per month for extra vehicle protection once the manufacturer’s warranty ends.

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FNB Car Insurance Requirements

To apply for FNB Car Insurance, you need to meet the following requirements:

Be 18 years or older.
Hold a valid South African ID book or smart ID card.
Have a valid driver’s licence.
Own a valid FNB transactional account.

How To Secure Car Insurance From FNB

You can apply online, through the FNB App, or by downloading the app to your phone. Follow the steps below:

Visit the FNB Website or Download the App

Go to www.fnb.co.za or download the FNB App from the App Store or Google Play. You can easily access the insurance section and explore your cover options.

Get a Personalised Quote

Enter your vehicle and personal details to receive an instant quote. Compare different types of cover and select the one that best suits your lifestyle and budget.

Submit Your Information

To qualify, you must be at least 18 years old, have a valid South African ID, a driver’s licence, and an active FNB transactional account.

Activate and Manage Your Policy

Once you accept your quote, your policy becomes active immediately. You can view your policy, update details, and submit claims directly through the FNB App or website.

Contact FNB

To get a quote, contact us on 087 312 0001 or email fnbstiservicing@fnb.co.za
To claim, contact us on 087 312 0001 or email fnbstimotorclaims@fnb.co.za
To complain, contact us on 087 575 9408 or email care@fnb.co.za

No matter if you need complete protection or just basic third-party cover, FNB provides insurance options designed to match your lifestyle and budget. Visit the official website for more information. I hope the provided information is helpful. Share your thoughts below in the comment section.