Fixed monthly subscription
Pay one low monthly fee for full comprehensive cover — regardless of your risk profile.
Subscription Insurance
Insurance redefined,
Insurance redefined,
one subscription at a time.
Full comprehensive cover for a small fixed monthly subscription. No risk-based premiums until you actually claim — and no excess when you do.
- From R99 p.m.
- No excess on claims
- Cancel anytime
5 productsOne subscription model
48 hoursAverage claim
R0Excess on claims
How it's different
Pay less. Stay covered. Only pay more if you claim.
Traditional insurers load your premium upfront based on perceived risk. We don't.
Full cover from day one
Comprehensive protection against the risks that matter, from the moment you sign up.
Only pay more if you claim
When you claim, an additional risk-based premium applies for a prescribed period. That's the only time your fee changes.
Our products
Choose your subscription insurance
Five comprehensive products, one simple model. Remember — no excess fee on any subscription insurance claim.
From R349 p.m.
Car Subscription Insurance
- Comprehensive accident coverage
- Weather-related damages
- Theft and hijacking protection
- Third-party liability
- 24/7 roadside assistance
From R99 p.m.
Home Subscription Insurance
- Fire damage protection
- Theft and burglary coverage
- Weather-related damages
- Accidental damage
- Alternative accommodation
From R169 p.m.
Health Subscription Insurance
- Hospitalization coverage
- Dental visits
- Maternity benefits
- GP consultations
- Mental health services
From R369 p.m.
Subscription Medical Aid
- Unlimited hospitalization
- Chronic illness benefits
- Maternity benefits
- Early childhood care
- Specialist consultations
From R99 p.m.
Legal Subscription Insurance
- Wrongful arrest protection
- Workplace dispute coverage
- Unfair dismissal support
- Contract review services
- 24/7 legal helpline
Subscription vs Traditional
Why members switch
A side-by-side look at how our model compares to conventional insurance.
| Price Insure | Traditional insurers | |
|---|---|---|
| Monthly cost | Low fixed subscription | High risk-based premium |
| Excess on claims | None | Usually payable |
| Cost if you never claim | Very low | You pay regardless |
| Lock-in contract | None — cancel anytime | Often 12 months+ |
| Rate changes | Only after you claim | Annual repricing |
| Support | WhatsApp, phone & 24/7 | Call centre hours |
How it works
Four simple steps
Simple, transparent and customer-friendly.
1
Choose your cover
Select the subscription insurance product that fits your life and budget.
2
Pay your monthly subscription
A low, fixed monthly fee keeps your full comprehensive cover active.
3
Only pay risk premium when you claim
After a claim, an additional risk-based premium applies for a prescribed period.
4
Enjoy peace of mind
Full protection without overpaying for insurance you may never use.
Insurance, redesigned.
A model that puts your budget first — and only asks for more when you actually claim.
Lower premiums
No lock-in
24/7 support
Why Price Insure
Lower cost. Bigger protection.
Traditional insurance often means paying inflated premiums based on perceived risk — whether or not anything ever happens. Our subscription model flips that: you pay a low fixed fee for full cover, and only pay more if you make a claim.
- No excess on any claim
- Fixed monthly subscription — no surprises
- Cancel anytime with no penalties
- Full comprehensive cover from day one
- Real people, WhatsApp & phone support 7 days a week
Real stories
What our members say
Trusted by thousands across South Africa.
"I used to pay R2,800 p.m for my car insurance until I switched to Price Insure. Now I pay just R349 p.m until I need to claim. This model makes so much more sense!"
"When my home was damaged in a storm, Price Insure had assessors out the next day and my claim was settled within a week. No hassles, no delays."
FAQs
Subscription Insurance questions
Everything you might want to know before you sign up.
What is Subscription Insurance?
It's full comprehensive insurance for a low fixed monthly subscription. Unlike traditional insurance, your premium isn't loaded upfront based on perceived risk — you only pay an additional risk-based premium after you make a claim.
Is there really no excess?
Correct. No excess on any subscription insurance claim. You only pay the risk-based premium that applies after a claim, which is disclosed upfront and explained clearly by our advisors.
What happens when I claim?
You report the incident on WhatsApp or via our claims line. A SA-based assessor is assigned within 24 hours. Once approved, your claim is paid out and a risk-based premium applies for a prescribed period afterwards.
Can I cancel at any time?
Yes. There is no lock-in contract and no cancellation penalty. You're in full control of your cover.
Can I have more than one subscription product?
Absolutely. Many members combine Car, Home and Health subscription cover for a complete household protection package. Talk to an advisor and we'll help you build the right bundle.
Are there any hidden fees?
No. What you see is what you pay. The only time your monthly cost changes is when a risk-based premium applies after you claim.
Ready to experience insurance, redefined?
Get comprehensive coverage today for a fraction of traditional insurance costs.