The app is the only 'benefit'. READ THE FINE PRINT VERY CAREFULLY

People, read the fine print. And read the update emails that you receive, THOROUGHLY.

I didn't and when I changed my insurer I realised that Naked had increased my excess by R1000 to R6000 with my premium increase of a pretty negligible amount. No accident. Windscreen replacement though due to driving on the highway to work everyday.

My new insurer Santam: ZERO excess, rental car included and a whole bunch of other goodies.

When I called them this morning, wow. How absolutely, utterly unprofessional. People laughing and taking in the background to the extent that I cannot hear the consultant and then the consultant tells me that that is a meeting and she can do nothing about it. She then confirms my excess increase and tells me that it's an automatic process but I can apply to have it reduced. And there was a lot of 'um, ya's' going on as well. There is also NO WAY to cancel your insurance on a specific date like all the grown companies offer. You have to cancel the night before your premium is deducted and hope that they don't debit you. And if they do, you'll have to wait between two and seven days.

Santam has given me car rental for a month, zero excess, tyre and rim cover, replacement key cover, credit shortfall cover and road side assistance and I choose the implementation and cancellation date all for R60 more than Naked who covered the vehicle, increases my excess every year and who uses sophistry for the term 'replacement value'.

This may be a great place to work for individuals but NOPE. This is not what I want from my insurer. I want a serious company not a creche to be looking after me.