About TempCover.co.za
TempCover.co.za is a South African car insurance comparison marketplace run by licensed short-term insurance professionals. We exist because most drivers overpay: the same car, in the same suburb, with the same driver, can differ by more than R900 a month between insurers. We put those numbers side by side in about 60 seconds.
Why you can trust our numbers
Authorised FSP 45892
Licensed by the Financial Sector Conduct Authority to advise on and sell short-term insurance in South Africa.
No premium mark-up
Insurers pay us, not you. The price you see is the price the insurer quotes.
POPIA-compliant
Encrypted document storage, logged access and consent-based sharing with insurers only.
Free claims advocacy
Our claims team helps you push back on disputed motor claims, even years after you bought the policy.
The people behind the quotes
Sipho Ndlovu
Founder & Key Individual (FSP 45892)
14 years in short-term insurance distribution, previously head of motor underwriting analytics at a top-5 SA insurer. RE1 and RE5 accredited.
Lerato Mokoena
Head of Claims Advocacy
Former claims assessor with 9 years handling motor and third-party liability claims across Gauteng and KZN. Guides customers through disputed claims at no charge.
Daniel van Wyk
Head of Data & Pricing
Actuarial analyst building the rating models behind our vehicle and postcode premium benchmarks, refreshed monthly against live insurer quotes.
Our insurer panel
We quote against 5 licensed South African insurers. Every insurer on the panel is separately authorised and underwrites its own policies:
- Naked Lite
- King Price Flex
- Discovery Day
- MiWay Smart
- OUTsurance Flex
Frequently asked questions
- Is TempCover an insurer?
- No. TempCover.co.za is an authorised financial services provider (FSP 45892) operating a comparison marketplace. Cover is underwritten by the licensed insurers on our panel, and your policy contract is with them.
- How does TempCover make money?
- Insurers pay us a finder's fee when a quote converts into a policy. You never pay us anything and your premium is never marked up for using the comparison.
- How do you protect my personal information?
- We process data under POPIA. Identity documents, licences and vehicle discs are stored encrypted, access is logged, and details are only shared with the insurers you ask us to quote.
- Where do your premium benchmarks come from?
- Our 'from' prices are modelled on live quotes returned by panel insurers for each vehicle and postcode combination, refreshed monthly. Your actual premium depends on your profile, cover level and excess.
Ready to see your numbers? Get a free comparison, browse premiums by vehicle, or talk to our team.