Excess waiver · Car hire
New car
Add excess waiver and car hire to your motor policy. Get a quote in a few minutes.
Read moreValue added products
Pick a VAP.
Get covered.
Add excess waivers, car hire, and other products to your insurance. Quick and simple.
vapcover.co.za
How it works
Pick a VAP, get covered.
From R89/mo
Excess waiver
On approved claims, your excess is waived so you pay less out of pocket.
From R65/mo
Car hire
A courtesy vehicle while yours is in for repairs after an insured incident.
From R49/mo
Tyre & rim
Repair or replace damaged tyres and rims from road hazards.
From R55/mo
Home assist
Emergency plumbing, electrical, and locksmith call-outs for your home.
From R39/mo
Device protect
Cover for accidental damage and theft of eligible personal devices.
From R79/mo
Medical gap
Help with shortfalls between medical scheme rates and specialist fees.
Use the website or the app — same account either way.
vapcover
Your VAPs
Excess waiver
From R89/mo
Car hire
From R65/mo
Tyre & rim
From R49/mo
Home assist
From R55/mo
Device protect
From R39/mo
Medical gap
From R79/mo
No excess to pay
Selected · change anytime
Use cases
Common situations
Read how each cover helps in real life, then get a quote.
Tyre & rim · Device protect
Family on the road
Add tyre & rim and device protect for day-to-day risks.
Read more
Home assist
Home cover
Add home assist to your existing home or contents policy.
Read more
Any VAP combination
Only what you need
Choose your VAPs, remove ones you don’t want later from your dashboard.
Read moreFAQ
Questions
Value Added Products — optional cover you add to an existing insurance policy, like excess waivers, car hire, and home assist.
Underwriters
Our underwriters
Cover is underwritten by licensed South African insurers and specialist underwriting partners who focus on value added products.
GENRIC
Licensed non-life insurer · excess waiver, tyre & rim, car hire
Vap-Sure
Specialist motor underwriter · pothole, car hire add-ons
Avorisk
Underwriting manager · excess waivers, tyre, home assist
Renasa
Licensed insurer · capacity for specialist VAP underwriters
Logos shown are stylised marks for vapcover.co.za, not official brand assets. Product availability and underwriting partners may change — final cover is confirmed on your quote. Start a quote.