Privacy Policy

Last updated: March 2026 | POPIA Compliant

This Privacy Policy explains how Top Insurers (Pty) Ltd, operating as topinsurers.co.za, collects, uses, stores, and protects your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA). By using our website, you acknowledge that you have read and understood this policy.

1. Who We Are

Top Insurers is an independent insurance comparison and information service based in South Africa. We are not an insurer, broker, or financial services provider. We provide information and comparison tools to help South African consumers understand and compare insurance products. When you request a quote or apply for insurance, you may be directed to a licenced insurer or financial services provider who will be responsible for processing your application.

2. Information We Collect

Information you provide to us:

Name and contact details (email address, phone number)
Location information (province, city) for quote matching
Vehicle details (make, model, year, value) when requesting car insurance information
Demographic information (age, gender) where relevant to insurance products
Messages or enquiries submitted via our contact forms

Information collected automatically:

IP address and approximate geographic location
Browser type, version, and operating system
Pages visited, time spent, and navigation paths on our site
Referring website or search query that brought you to our site
Cookie identifiers and similar tracking technologies

3. How We Use Your Information

Provide the insurance comparison, information, and quote-referral services you request
Connect you with relevant insurers or FSPs based on your needs and location
Respond to your enquiries and provide customer support
Send you information about insurance products or promotions you have opted in to receive
Analyse website usage to improve our content and user experience
Comply with legal obligations and prevent fraud or abuse of our services

4. Legal Basis for Processing

Consent — Where you have given us specific, informed consent
Contractual necessity — Where processing is necessary to provide a service you requested
Legitimate interest — Where we have a legitimate business interest not overridden by your rights
Legal obligation — Where we are required to process your information by law

5. Sharing Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

Insurers and FSPs: When you request a quote, we share relevant details with the insurer or broker who will service your request.
Service providers: Trusted third parties who assist with hosting, email, analytics, and CRM — bound by confidentiality agreements.
Analytics providers: Services such as Google Analytics, using aggregated or pseudonymised data.
Legal authorities: Where required by law, court order, or to protect rights and safety.
Business transfers: In the event of a merger or acquisition, subject to equivalent privacy protections.

Affiliate disclosure: topinsurers.co.za may earn a referral fee when you obtain a quote through an insurer link on our site. This does not affect our editorial independence.

6. Cookies & Tracking Technologies

We use cookies to operate our website, remember your preferences, and analyse traffic.

Essential cookies: Required for the site to function. Cannot be disabled.
Analytics cookies: Help us understand how visitors use our site (e.g. Google Analytics).
Marketing cookies: Used to display relevant advertising. Set only with your consent.
Preference cookies: Remember your settings to improve your experience.

You can manage or disable non-essential cookies via your browser settings. Disabling certain cookies may affect website functionality.

7. Your Rights Under POPIA

Right to access: Request a copy of the personal information we hold about you
Right to correction: Request that we correct inaccurate or incomplete information
Right to deletion: Request that we delete your personal information, subject to legal obligations
Right to object: Object to processing for direct marketing — we must comply immediately
Right to withdraw consent: Withdraw consent at any time without affecting prior processing
Right to complain: Lodge a complaint with the Information Regulator of South Africa

To exercise any of these rights, contact our Information Officer (see Section 13). We will respond within 30 days.

8. Data Retention

Quote request data: Retained for up to 12 months
Contact form enquiries: Retained for up to 3 years
Newsletter subscriptions: Retained until you unsubscribe, plus 6 months
Analytics data: Retained for up to 26 months
Website logs: Retained for up to 12 months for security purposes

9. Security

We implement appropriate technical and organisational measures to protect your personal information, including:

SSL/TLS encryption for all data transmitted via our website
Restricted staff access to personal data on a need-to-know basis
Regular security assessments and software updates
Secure data storage with access controls and audit logging

In the event of a data breach likely to affect your rights, we will notify you and the Information Regulator as required by POPIA.

10. Third-Party Links

Our website contains links to insurers, brokers, and other third parties. We are not responsible for their privacy practices. We encourage you to read the privacy policies of any third-party site you visit.

11. Children’s Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from children. If you believe a child has submitted information to us, please contact us and we will delete it promptly.

12. Changes to This Policy

We may update this policy from time to time. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of our website after any changes constitutes acceptance of the updated policy.

13. Contact & Complaints

For questions, to exercise your rights, or to raise concerns:

Company: Top Insurers (Pty) Ltd
Website: topinsurers.co.za
Email: [email protected]

To lodge a complaint with the Information Regulator of South Africa:

Website: inforegulator.org.za
Email: [email protected]
Address: JD House, 27 Stiemens Street, Braamfontein, Johannesburg, 2001