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Prosper Insurance is one of the newer types of South African insurance companies, with an approach that side-steps the usual marketing and PR approach that many if its rivals take. It`s approach demonstrates the more constructive changes in the industry in recent years, with a more transparent approach to terms and conditions.

Prosper Website
Prosper Website
On the Prosper website you can get a free quote, submit a claim and view their insurance packages

Having said that, the company has positioned itself as a premium insurer with a serious approach to its market. It has solid and comprehensive short-term insurance packages, on offer, which can be supplemented with add-ons. Prosper Insurance concentrates on short-term insurance and has an innovative rewards programme for clients, as well as offering credit protection and shortfall protection.

General insurance cover for motor vehicles, motorcycles, home contents cover, portable possessions cover, and permanent structure cover are all offered. You can also take insurance for other vehicles (trailers, caravans, watercraft). The motor cover option is comprehensive and you can also get fire and theft cover, 3rd party cover options and cover for off-road vehicles and excursions.

Home and portable contents include cover against loss or damage, and death in the act of a break-in. You can be protected against credit card fraud. In fact the depth and breadth of cover is pretty exhaustive - the company`s website gives all the details.

The Prosper Assist and Protection Plan gives you roadside and medical assistance, and there is also a legal support option. If you have had your policy continuously for 4 years with no claims, then you`re also eligible for a no-claim bonus.


  • Motor cover
    You have the option between comprehensive cover, 3rd party fire & theft, 3rd party only, and off-road comprehensive.
  • Motorcycle cover
    Comprehensive cover includes claiming for motorcycle accessories if stolen with the motorbike
  • Watercraft cover
    This includes the option to claim for water-skier liability as well as the navigator
  • Trailer cover
    Includes claiming for damage caused to other parties and their property
  • Caravan cover
    Includes optional caravan contents cover
  • Portable possessions cover
    Covers bicycles, prescription glasses, contact lenses, cell phones and more
  • Home contents cover
    Even includes your guests` belongings stolen in your home
  • Buildings cover
    Includes fire brigade charges
  • Prosper Assist
    Emergency assistance and support services is included with all policies
  • Value Added products
    Personal accident cover, funeral protection plan, cellphone insurance


Prosper Insurance is a company that has focussed on BEE compliance as a matter of course, given its approach of adhering to modern principles of the SA economic sphere.


Physical address:
17th Floor
25 Owl Street

Postal address:
P.O. Box 11250

Call centre: 0860 10 92 00
Tel: (011) 489 4900
Fax: (011) 489 4425


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Prosper Story Highlights »
  • No administration - everything done via phone and internet
  • Consultants who speak Zulu and Xhosa, as well as English and Afrikaans
  • A bonafide rewards programme for policy holders

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