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Services
Personal
Standard Home Content & Motor
Standard home content and motor insurance products are designed to cover your household content and vehicle against loss or damage in a way tailored to your specific needs. This product has been developed on an assets all risks policy wording basis and provides cover for household contents up to a maximum sum insured of R350 000.00 and includes some of the following benefits: - Accidental damage to audio-visual equipment: 20% of the sum insured - Accidental damage to aerials and satellite dishes: R10, 000 - Accidental damage to glass tops and mirror glass: R15, 000 - Clearing-up costs: R50, 000 - Credit, Debit, and Sim card fraud: R5, 000 - Damage to guests' property: R10, 000 - Domestic workers' property: R10, 000 - Emergency services (SAPS, EMS, Fire Brigade): R10, 000 - Full house (bowls)/ Hole-in-one (golf): R5, 000 - Garden damage R10, 000 - Keys, locks and remote controls: R20, 000 - Money and negotiable instruments: R5, 000 - Office contents: R30, 000 in any 12-month period - Personal documents: R10, 000 - Power surge: R50, 000 any one event - Refrigerator content: R10, 000 - Rent: 25% of the sum insured - Security guards: R10, 000 - Telephones: R1, 000 - Trauma counselling benefit: R5, 000 - Veterinary and related expenses: R5, 000 - Water leakage from underground pipes: R10, 000
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High Net Worth Home Content & Motor
High net-worth home content and motor insurance products are designed to cover your household content and vehicles against loss or damage in a way that's tailored to your specific requirements. This product has been developed on an assets all risks policy wording basis and provides cover for household contents with a sum insured in of R350 000.00 and above and includes some of the following benefits: - Accidental damage to audio-visual equipment: 20% of the sum insured - Accidental damage to aerials and satellite dishes: R15, 000 - Accidental damage to glass tops and mirror glass: R15, 000 - Clearing-up costs: R50, 000 - Credit, Debit and Sim card fraud: R10, 000 - Damage to guests' property: R15, 000 - Domestic workers' property R15, 000 - Emergency services (SAPS, EMS, Fire Brigade) R15, 000 - Full house (bowls)/ Hole-in-one (golf): R10, 000 - Garden damage: R15, 000 - Keys, locks and remote controls: R25, 000 - Money and negotiable instruments: R10, 000 - Office contents: R50, 000 in any 12-month period - Personal documents: R15, 000 - Power surge: R100, 000 any one event - Refrigerator contents: R15, 000 - Rent: 30% of the sum insured - Security guards: R15, 000 - Telephones: R2, 000 - Trauma counselling benefit: R10, 000 - Veterinary and related expenses: R10, 000 - Water leakage from underground pipes: R15, 000
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Security Complex Content & Motor
Living in a security complex is markedly different than in a freestanding house; why shouldn't your insurance be? This product has been developed on an assets all risks policy wording basis and provides cover for household contents and motor vehicles. This product has primarily been developed for your first-time homeowner who is looking for a safe haven for his / her family as such, the product offers different limits of sums insured, and the minimum sum insured on offer is R100 00.00 with a maximum amount of R350 000.00. This product also offers an excel inventory calculation that can be used by the policyholder to determine the correct sum insured for his / her unit. For units with a sum insured of R350 000+, the product on offer will be the high net worth product. The benefit of the security complex product is the following: - Contents are offered on a first loss sum insured – meaning no average will be applied in the event of a total loss - Being a security complex, the rating will be more attractive For more information on this product, kindly contact us on the details as provided.
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Student Accommodation
As a student living in student accommodation, your budget and living arrangements are tighter and more intricate than most general insurance products cover. We're here to help you break away from the generic and make insurance accessible to you.
Mobile Devices
Your mobile devices travel with you constantly, whether for personal or business use. We have tailored products for all your mobile devices, from cell phones to laptops and more.
Businesses - Our commercial product offerings are tailor-made products aimed at the following markets:
Hospitality Industry
Over the last few years, the hospitality industry has seen some tough times, and our product offerings aim to ensure your investments are covered comprehensively against loss, big or small. Hospitality & leisure insurance offers cover for a variety of establishments: Restaurants and venues Hotels, inns, B&Bs, lodges, resorts, backpackers, caravan parks, campgrounds, guest houses, etc. Game lodges and bushveld accommodation types.
SME Industry
(based on annual turnover)
The goal of SME insurance is to provide financial protection for small and medium-sized enterprises (SMEs) against potential risks and losses. SME insurance can help SMEs to manage and mitigate these risks, allowing them to continue operating and growing without the fear of financial ruin. By offering a range of coverage options, SME insurance can help to ensure that SMEs are prepared for the unexpected and can continue to thrive even in the face of adversity.
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Tourism Industry
Tourism industry insurance is designed to protect businesses in the tourism sector from financial losses due to unexpected events or circumstances. This type of insurance covers a wide range of risks, including natural disasters, accidents, and illness, as well as financial losses due to cancellations or changes in travel plans. Insurance can help tourism businesses to recover from financial losses and continue operating, ensuring the sustainability of the industry and protecting the livelihoods of those working in it.
Motor Fleets
Motor fleet insurance is a type of insurance policy designed specifically for businesses that operate a fleet of vehicles. This type of insurance can be tailored to the specific needs of the business and its fleet of vehicles, providing a cost-effective way to protect against the risks associated with operating a fleet of vehicles. Motor Fleet insurance offers comprehensive coverage for all vehicles in the fleet, including cars, trucks, and vans. With this, businesses can protect their vehicles from a range of risks, including accidents, theft, and vandalism. Additionally, motor fleet insurance typically includes liability coverage, which can help protect businesses from the financial consequences of accidents involving their vehicles.
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Sectional Title
Sectional title insurance offers protection for property owners in a sectional title scheme. This type of insurance covers the physical structure of the individual unit as well as common areas within the scheme. It also provides liability coverage for accidents or injuries that may occur on the property. Additionally, sectional title insurance offers financial protection in case of legal disputes or financial loss due to defective construction or mismanagement by the body corporate. It is a vital component of ownership in a sectional title scheme, providing peace of mind and financial security for property owners.
Fire Suppression Value Added Product
Fire suppression value-added product insurance offers extra coverage for fire-related incidents, such as the installation and maintenance of fire suppression systems. This type of insurance is designed to provide additional protection for businesses and individuals who want to ensure their property is protected against the risk of fire. The value-added aspect of this insurance means that policyholders can receive additional benefits, such as coverage for the cost of repairing or replacing damaged property, as well as reimbursement for lost income and other expenses incurred as a result of a fire. Overall, fire suppression value-added product insurance offers peace of mind and financial protection against the devastating effects of fire.
Value-Added Products - Value-added products are additional coverage options or services bundled with your primary insurance policy and offer extra protection or benefits to the policyholder.
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Excess Waiver - Sectional Title (Residential) Body Corporate
This cover is in respect of geyser and resultant damage excess up to a maximum limit of R10 000 for any one event and applicable to every unit forming part of the complex. This policy will only respond if liability has been admitted under the insured's own underlying policy with the respective insurance company insuring the actual building and, provided that the claim in respect of any geyser and resultant damage is valid in terms of the underlying policy in force. NB. All limits are annual policy maximum limits and will be reduced as claims are affected against the maximum limit until completely exhausted. The policy provides only 1 x reinstatement and the necessary additional premium will be applied. All claims are subject to a completed claim form and supporting documents from the underlying insurance company admitting liability for the respective insurance claim.
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Excess Waiver – Home and Contents
This cover is in respect of any excess applied to the underlying policy, up to a maximum limit of R10 000 for any one event. This policy will only respond if liability has been admitted under the insured's own underlying policy with the respective insurance company and provided that the claim in respect of the underlying policy is valid and in force. NB. All limits are annual policy maximum limits and will be reduced as claims are affected against the maximum limit until completely exhausted. The policy provides only 1 x reinstatement, and the necessary additional premium will be applied. All claims are subject to a completed claim form and supporting documents from the underlying insurance company admitting liability for the respective insurance claim.
Excess Waiver – Motor
This cover is in respect of any excess (basic, theft/hijack, and windscreen) applied to the motor section of the underlying policy, up to a maximum limit as stated and selected, being (R10 000.00, R20 000.00 and R30 000.00) for any one event. This policy will only respond if liability has been admitted under the insured's own underlying policy with the respective insurance company and provided that the claim in respect of the underlying policy is valid and in force. NB. All limits are annual policy maximum limits and will be reduced as claims are affected against the maximum limit until completely exhausted. The policy provides only 1 x reinstatement, and the necessary additional premium will be applied. All claims are subject to a completed claim form and supporting documents from the underlying insurance company admitting liability for the respective insurance claim.