What We Offer
Tailored Cover for
All-round Risk
Protection
Tailored Cover forAll-round Risk Protection
We understand that every client’s risks are unique. That’s why we offer a wide range of short-term insurance solutions for individuals, businesses, and specialised sectors. From everyday protection to tailored niche cover, we focus on providing relevant, effective, and future-focused insurance backed by personal service and expertise.
What We Offer
Services Summary
Personal
Insurance
Protect what you value with tailored personal insurance solutions. From car and home insurance to liability cover, we safeguard against all risks.
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Commercial
Insurance
Protect your business with insurance designed for property, liability, and continuity. We help minimise risks so you can focus on growth.
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Transport
Insurance
Keep your business moving with fleet insurance for commercial vehicles and goods in transit. We provide cover against accidents, theft, and liability.
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Agricultural
Insurance
Farmers trust us for crop protection, livestock cover, and cellar insurance. We provide tailored farming cover for all your needs and risks.
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Specialist
Insurance
Cover your unique risks with our specialist cover– from marine and aviation to fine art, collectables, and classic cars.
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We View Risk Differently
Why Choose Us?
We take risk management seriously, giving you protection that fits your lifestyle and sector. By combining efficiency with a focus on lasting relationships, we ensure your family, farm, and business are covered.
- Solutions for Individuals & Businesses Alike
- Agriculture, Transport & Specialist Expertise
- Tailored to Client’s Specific Needs
Why do I need short-term insurance?
Short-term insurance protects specific items or risks, such as vehicle insurance, homeowners insurance, and travel insurance, all designed to safeguard against immediate financial loss.
Why do my premiums increase every year?
Short-Term insurance premiums are adjusted annually to account for changes in inflation, repair costs, and rising risk factors like crime and weather-related damage. You still save on out-of-the-pocket costs with the right short-term cover.
Can I reduce my premium without losing cover?
Yes, by choosing a higher excess, adding extra security measurements, or by bundling products like home contents insurance and car insurance into a single policy with the same insurer, you can lower costs while keeping cover in place.
What is an insurance excess?
An excess is the first portion of a claim you are responsible for paying. For example, in motor insurance, if your excess is R5,000 and the damage totals R20,000, you’ll pay the R5,000 and the insurer covers the rest.
In general, there are three types of excesses:
a) Standard Excess
This is the basic excess of the specific section of the policy under which you want to claim.
b) Additional Excess
In some cases, additional excesses might apply. The additional excess would be in addition to the basic excess. An example of an additional excess would be where the driver is under the age of 25 years, and the policy stipulates an additional excess for drivers under the age of 25, or the insurer could have implemented an additional mandatory excess due to the policy’s claims history.
c) Voluntary Excess
As a policyholder, you have the choice to increase your excess in order to pay a lower insurance premium. The voluntary excess would be in addition to both the standard excess and the additional excesses of the policy.
Are all insurers in South Africa regulated?
Yes, legitimate providers are registered with the FSCA (Financial Sector Conduct Authority), and complaints can be escalated to the Ombudsman for Short Term Insurance (OSTI).
What does it mean if they say I’m underinsured?
Under-insurance occurs when the amount for which your property is insured is less than the replacement value of the property.
Remember to always insure your property for its replacement value.
Where loss/damage occurs, there are two insurers, namely:
- the Insurance company, and
- the Insured as his/her own insurer
Example:
| Value of property | R1 000 000 |
| Sum insured | R500 000 (50% under-insured) |
| Loss/Damage | R60 000 |
| Insurance Company: | R500 000 / R1 000 000 x R60 000 = R30 000 |
The insurer will only pay 50% of the claim (R60 000 x 50% = R30 000) and the insured will be responsible for the other 50% (R30 000).
Frequently Asked Questions
Clarity on Cover That Matters.
Get in Touch
We Are Here for You
Allow us to answer your queries and ensure that your risk management needs are met according to your expectations.
- Reach Us Through:
- +27 21 872 0765