Lema Insurance

Lema Household Insurance

Our affordable household cover offers flexible, low-cost plans designed for everyday families. It protects your home and belongings against theft, fire, accidental damage, and other unexpected events, giving you peace of mind when it matters most.

With coverage options tailored to your needs and budget, a simple and hassle-free claims process, and inclusive access for households often underserved by traditional insurers, our community-focused insurance is built to support real-life risks and help you recover quickly from loss or damage.

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Sign up for LEMA Loyalty Rewards & Sure Card for R49

Get R10,000 Funeral Cover for the policyholder.
Grocery discounts at selected stores.
Save on withdrawal fees & card purchases.

Terms and conditions apply.

Providing Easier and Accessible Financial Solutions .

Lema Financial Services is an authorised financial services provider FSP 51092, and a registered Credit Provider NCRCP 18380.

Lema Vehicle Insurance

Lema Insure – Affordable Road Assistance You Can Rely On

Lema Insure provides cost-effective roadside assistance and motor repair solutions across the North Gauteng suburbs. Our flagship Road Assistance Motor Cover offers reliable support when you need it most.

For just R299 per month, members enjoy:

In-house tow truck: Our in-house tow trucks are available 24/7 to assist our customers with towing their vehicles to our in-house auto mechanic workshop for repairs.

An App that locates you when in need of assistance: Our app is available for our customers to locate us when in need of assistance. It will provide real-time updates on the arrival time of our in-house tow truck.

Free diagnostic and quote: We provide free diagnostic and quotes to our customers to inform them of the repairs their vehicles need before proceeding with any work.

In-house auto mechanic workshop: Our in-house auto mechanic workshop provides our customers with a variety of services ranging from basic repairs to major overhauls. We have employ highly skilled mechanics to ensure quality workmanship.

Credit finance options: We offer credit finance options to our customers who cannot afford to pay for vehicles repairs upfront (subject to credit application approval)

Free shuttle delivery for everyone , and car hire for premium clients: Our premium clients will have the option of car hire while their vehicles are being repaired.

We serve young drivers—especially women—and first-time used-car owners who need flexible, affordable cover after motor plans expire.

Our goal is simple: to be the go-to top-up motor cover, known for affordability, convenience, and exceptional customer service—making Lema Insure the #1 roadside assistance and auto repair partner in North Gauteng.

Our Roadside Assistance Services

4/7 Roadside Assistance

Help anytime, anywhere when your car breaks down.

Towing Services

Safe, reliable towing to the nearest mechanic or garage.

Jumpstart Assistance

Quick help when your battery lets you down.

Fuel Assistance

Emergency fuel delivery if you run out on the road.

Lockout Services

Fast assistance if your keys are locked inside your vehicle.

1. Sign-up bonus:

Customers receive a discount or a cashback when they sign up for a policy.

2. No claims bonus:

If a customer doesn't make a claim during the first year of their policy, they might receive a discount on their renewal premium.

3. Referral bonus:

First-time customers who refer others to Lema Insure might receive a discount or reward.

4. Bundle discount:

Customers who purchase multiple policies, such as road assistance motor cover and home insurance, might receive a discount.