Categories > Insurance

Reviewed: 5 of the Best Accident Insurance Companies in Johannesburg
1. Discovery Insure

Website: https://www.discovery.co.za/
Address: Sandhurst, Sandton, 2196, South Africa
Contact Details: +27 860 998 877
Operating Hours: Monday – Friday 8:00 AM – 5:00 PM, Saturday 8:00 AM – 1:00 PM
Feefo reviews score | 4.6/5 |
Hellopeter reviews score | 4.09/5 |
Total reviews | 5/5 |
Score consistency | 4/5 |
Cost | 4/5 |
Coverage | 5/5 |
Requirements for Eligibility | 4/5 |
Client Service | 4/5 |
Pros
- Helpful and patient brokers
- Prompt and responsive
- Offers affordable plans
Cons
- Claim processing might take a while
Discovery Insure is one of the highest- and most-rated insurance companies in South Africa. Its mission is to reward individuals for making “healthy living choices”.
Despite their great tagline, they don’t disclose their definite insurable age range and coverage limits on their website, which is disappointing. To find out, you’ll probably need to ask for a quote which they claim you’ll receive in 60 seconds.
Discovery Insure offers life insurance that secures the policyholder and their beneficiaries from death, disability from accidents, severe illness or loss of income. We like that they offer several options under the life insurance programme that are tailored based on your life stage.
In the untoward event that the policyholder gets into an accident, Discovery Insure provides disability cover. Additionally, in any case where the policyholder loses their job due to injury or illness, they also offer an income protection plan, which we think is great.
However, we would’ve preferred it if they put up a sample pricing breakdown for a life and accident insurance plan. It would help those interested discover if they are also a fit for them budget-wise.
But worry not, we found that Discovery Insure has overwhelmingly positive reviews regarding their service and the quality of their insurance plans.
But here’s the challenge almost every life insurance owner faces: claiming the insurance money. Apparently, some disgruntled policyholders are disappointed by how long the disbursement process actually takes.
Nonetheless, we think Discovery Insure provides the most reliable response to clients’ concerns, and is a good choice for flexible and affordable plans.
2. PPS for Professionals

Website: https://www.pps.co.za/
Address: 6 Anerley Rd, Parktown, Johannesburg, 2193, South Africa
Contact Details: +27 11 644 4200
Operating Hours: Monday – Friday 8:00 AM – 7:00 PM
Google reviews score | 4.3/5 |
Facebook reviews score | 2.8/5 |
Total reviews | 3.5/5 |
Score consistency | 3/5 |
Cost | 4/5 |
Coverage | 4/5 |
Requirements for Eligibility | 3/5 |
Client Service | 2/5 |
Pros
- Offers short-term policies and investment options
- No medical assessments needed for full accidental death coverage
Cons
- Some reports on needing to improve customer service
- Insurable age range and coverage limits are not indicated on their website
PPS for Professionals is another established mutual financial service provider in Johannesburg. They were founded in 1941 and have been providing insurance, investment, and healthcare solutions since then.
What sets PPS for Professionals apart from other insurance companies is they offer their services exclusively to graduate professionals, which we think is unique and noteworthy. They offer assistance from graduation until retirement.
Although they do offer interesting life and accident plans, having a degree and being a professional is actually one of their requirements for eligibility. If one doesn’t fit in that category, then they would simply need to avail of their insurance policies elsewhere.
PPS for Professionals offers several life solutions, but there are two that particularly cover accidents: the Disability Cover, and the PPS Accidental Death.
We particularly find PPS Accidental Death reassuring, as PPS for Professionals claims that they won’t require medical assessments to process the claim. Moreover, they implement the accidental death cover while the papers are still being processed.
In this way, they succeed in making policy claiming process easier, which is always a strong selling point in this industry.
Just a word of warning: apparently, their customer service could do with some improvements. But don’t worry, it’s not like your concerns won’t be attended to – it might just take a while to hear back from them.
3. AllLife

Website: https://alllife.co.za/
Address: 25 Ameshoff St, Braamfontein, Johannesburg, 2017, South Africa
Contact Details: +27 86 125 5543
Operating Hours: Monday – Friday 8:00 AM – 5:00 PM, Saturday 8:00 AM – 1:00 PM
Google reviews score | 3.5/5 |
Hellopeter reviews score | 1.46/5 |
Total reviews | 3/5 |
Score consistency | 3/5 |
Cost | 3.5/5 |
Coverage | 4/5 |
Requirements for Eligibility | 5/5 |
Client Service | 2.5/5 |
Pros
- Inclusive coverage
- Double coverage for accidental deaths
- No medical tests required
Cons
- Cancelled policies take a while to be processed
- Some reports of needing to improve customer service
AllLife is an insurance company that aims to provide affordable life insurance, particularly to individuals living with HIV and Diabetes.
We think this is a wonderful focus, as individuals with chronic illnesses such as HIV and Diabetes are almost always rejected for life insurance applications given their pre-existing conditions.
They also claim to provide the cheapest and most affordable life covers there are in Johannesburg. This is also a plus for us, for obvious reasons.
Based on their website, AllLife offers two types of insurance: Chronic life cover (up to R 1M) for individuals with a chronic illness and Funeral cover (R 70,000).
What we found interesting in their products, specifically in the Funeral cover, is that they offer twice the cover amount if the policyholder dies from an accident. Among the companies on this list, AllLife is the only insurance company that offers this condition.
We think this feature makes AllLife a great choice, especially for those who live high-risk lifestyles or work in high-risk environments.
While we love their mission, we’ve heard several reports from clients regarding the delayed processing of cancelled policies and neglect from customer service representatives and brokers.
We hope that management can consider retraining or upskilling their agents and brokers in light of these incidents.
4. Bryte Insurance Company Limited

Website: https://www.brytesa.com/
Address: 15 Marshall St, Ferreiras Dorp, Johannesburg, 2001, South Africa
Contact Details: +27 11 370 9111
Operating Hours: Monday – Friday 8:00 AM – 5:00 PM
Google reviews score | 3.7/5 |
Hellopeter reviews score | 1.5/5 |
Total reviews | 2.8/5 |
Score consistency | 3/5 |
Cost | 4/5 |
Coverage | 5/5 |
Requirements for Eligibility | 3/5 |
Client Service | 2.5/5 |
Pros
- Offers affordable policies
- Provides a sample pricing breakdown
Cons
- Some reports of delayed responses to clients
Bryte Life is a relatively newer player in the insurance field, only founded last 2019 as a part of Bryte Africa Group’s expansion.
We say “relatively new” because, before its launch, Bryte Insurance and Bryte Risk Services Botswana have been providing short-term insurance since 1936 and 1976 respectively.
What we like about Bryte Life is that you can access a sample of product information policies & pricing on Family, Extended Family, Group, and Extension Funeral Plans. This way, potential customers can look into the insurance plans they offer and gauge affordability and fit.
Generally, a waiting period of 6 months applies to all life covers. But for the accidental death of the insured individual, this does not apply, which is a relief. We’re happy to share that for accidental death, claims will be processed immediately.
Another thing we found notable about Bryte Life’s products is that their policies can cover several people at once. For example, for the Group Funeral Plan, the policy can cover up to 12 people with a total combined value of R 130,000.
That means, in the event that the policyholder, their spouse, or one member of the registered group dies, a certain amount of money will be released within 24 hours of document processing.
Depending on the relationship with the deceased, group members receive a specific payout. Of course, we wouldn’t wish such unfortunate circumstances on anyone, but we think this arrangement is an interesting way to get insured.
Moreover, we found Bryte Life’s monthly rates for their life and funeral plans more affordable than most. For example, the Group policy costs just R 415 per month.
Another thing we would suggest Bryte Life improves on, just like any other insurance company, is their client servicing. We caught wind of some concerning feedback about their customer service agents being difficult to reach when it comes to processing claims.
5. Garrun Group

Website: https://www.garrun-group.co.za/
Address: 1st Floor, 33 Central St, Houghton Estate, Johannesburg, 2198, South Africa
Contact Details: +27 11 694 5000
Operating Hours: Monday – Friday 8:30 AM – 4:00 PM
Google reviews score | 4.7/5 |
Hellopeter reviews score | 3.5/5 |
Total reviews | 2/5 |
Score consistency | 4/5 |
Cost | 4/5 |
Coverage | 3.5/5 |
Requirements for Eligibility | 3/5 |
Client Service | 4/5 |
Pros
- Established insurance provider
- Provides options for Life Insurance coverage
Cons
- Would need to make a direct request for specific information on insurable age range and coverage limits
Garrun Group is one of the well-known and biggest independent insurance brokerage groups in South Africa. Having been around for 60 years, we believe they’ve long proven their competence in the industry – imagine all the wisdom they’ve amassed since they were founded.
First off, we find it noteworthy that Garrun Group is commended by their clients for their reasonable pricing and flexible packages that are designed to fit different needs.
Garrun Group offers several personal insurance options, but the ones that cover several types of accidents would be Homeowners’ Insurance, Household Contents, Personal All Risks Insurance, Personal Liability Insurance, Personal Accident Insurance, and Sasria Insurance.
We like that Garrun Group doesn’t only insure individuals from unforeseen events, but also the things they value such as their home, household contents, and prized possessions.
One unique personal cover Garrun Group that we find noteworthy is the Personal Liability Insurance. Insurance companies usually offer coverage for the policyholder if they ever get into an accident, or worse, die from the event.
But the Personal Liability Insurance is designed to protect the policyholder in the case they’re on the other side of the rope and held responsible for accidental loss or damage of property, accidental injury or death of another person.
Another thing we like about Garrun Group is their great customer service. Their policyholders commend them for their quick responses to concerns and for having friendly and helpful brokers.
What we noticed Garrun Group lacks, however, is information on insurable age ranges and other coverage limitations. This is something we consider one of the top things to take into account before committing to an insurance policy, so make sure you enquire about this.
Like all other insurance companies, their pricing differs per policy. We would suggest that you enquire about the rates of your policies of interest before taking other options off your list.