Budget insurance, might be cheaper but they payout 1/5 times.

Please do yourself a favour and pay the extra R100 with another insurer. The point of having insurnace is to insure your losses and they might have given me a better rate but its useless if they dont payout when damages occure. I have paid them almost R1000 a month for the last 2 years to at the end of the day still replace items claimed at my own cost. I am not happy and I will not recommend that you sign up with them