Vehicle insurance offers protection for your vehicle, covering risks such as accidents, theft, fire, and damage caused by natural disasters. It also includes liability coverage in case you cause damage to another person's property or injury to others while driving.
See BenefitsVehicle tracking devices are essential for personal vehicle security in South Africa, offering real-time monitoring with advanced GPS, GSM, and RF technologies. These devices provide instant location updates, alerts for suspicious activity, and enhanced safety, ensuring peace of mind. Protect your car from theft and hijacking with reliable, cutting-edge tracking solutions. Stay connected and in control anytime, anywhere.
See BenefitsThis insurance provides protection for your home structure and, in some cases, additional structures such as garages or sheds. It covers a range of risks including fire, theft, vandalism, and damage from natural disasters. The policy ensures that your property is safeguarded against unexpected events that may lead to significant financial loss
See BenefitsThis policy provides coverage for the contents of your home, including furniture, appliances, electronics, and personal items. It protects against risks such as theft, fire, or accidental damage, ensuring your valuables are safeguarded.
See BenefitsThis policy provides coverage for specific high-value items (e.g., jewellery, laptops, cameras) against risks like theft, loss, or accidental damage, even when the items are outside your home.
See BenefitsThis insurance protects you from legal and financial liability if you accidentally cause injury to another person or damage their property. It covers legal fees, medical expenses, and repair costs arising from such incidents. This ensures financial security and peace of mind in unforeseen situations.
See BenefitsCyber insurance for individuals offers protection against financial losses caused by cyber-attacks, identity theft, online fraud, and data breaches. It provides coverage for expenses related to repairing damage, restoring stolen identity, and managing the aftermath of cyber incidents. This type of insurance ensures individuals are financially protected in an increasingly digital world
See BenefitsE-hailing insurance is specifically tailored for drivers who utilise their vehicles for ride-hailing platforms such as Uber and Bolt. This specialised coverage ensures that your vehicle is protected whether it's being used for personal errands or commercial ride-hailing activities.
See BenefitsVehicle tracking for commercial fleets offers real-time monitoring and management of vehicles using advanced GPS and telematics technology. Businesses can optimise routes, reduce fuel consumption, and monitor driver behaviour to improve efficiency and safety. With features like Geo-fencing, crash alerts, and stolen vehicle recovery, fleet tracking enhances security while minimising operational risks. Streamline your fleet operations and reduce costs with reliable, data-driven tracking solutions.
See BenefitsThis insurance provides comprehensive protection for physical structures, including homes, offices, and commercial buildings, against a variety of risks. It safeguards your property from potential damages caused by fire, theft, and acts of vandalism, ensuring financial security.
See BenefitsCommercial insurance offers essential protection for businesses, covering a wide range of risks associated with daily operations, property, employees, and liability. It safeguards business assets from unexpected events such as theft, damage, or natural disasters, ensuring continuity and financial stability.
See BenefitsHospitality insurance is specifically tailored to meet the unique needs of businesses within the hospitality industry, such as hotels, restaurants, and guesthouses. It offers comprehensive coverage against risks like property damage, theft, and liability claims that may arise from accidents or negligence.
See BenefitsHospitality insurance is specifically tailored to meet the unique needs of businesses within the hospitality industry, such as hotels, restaurants, and guesthouses. It offers comprehensive coverage against risks like property damage, theft, and liability claims that may arise from accidents or negligence.
See BenefitsThis insurance provides comprehensive protection for heavy commercial vehicles and the goods they carry, covering a wide range of risks such as accidents, theft, and damage during transit.
See BenefitsDirectors and Officers (D&O) insurance provides essential protection for company executives by covering personal liability arising from decisions made in their professional capacity. It safeguards against legal costs, settlements, or damages resulting from claims of mismanagement, breach of duty, or errors in judgement.
See BenefitsCyber insurance provides essential protection for businesses and individuals against financial losses caused by cyber-attacks, data breaches, and online fraud. It covers a wide range of risks, including the costs of data recovery, legal fees, and reputation management following a security incident.
See BenefitsThis insurance offers robust and comprehensive protection for your physical assets, such as equipment, machinery, or property, against an extensive range of risks. It safeguards against accidental damage, ensuring your operations can continue with minimal disruption.
See BenefitsLiability insurance provides essential coverage for individuals and businesses, protecting them from financial and legal responsibility in the event of injuries, property damage, or other harm caused to third parties. It covers legal costs, medical expenses, and potential settlements resulting from claims made against the insured.
See BenefitsThe South African Special Risks Insurance Association (SASRIA) provides specialised coverage for damages arising from unique and often unpredictable events, including riots, strikes, civil commotion, terrorism, and public disorder. This insurance is designed to protect businesses and individuals from financial losses caused by such disruptive incidents, which are typically excluded from standard insurance policies.
See BenefitsEnsuring all debts are covered at the time of your untimely death is essential to prevent insolvency in your estate. Key considerations include loss of family income, emergency funds, outstanding bonds or debts, education costs, and estate duty. This safeguards your family's financial stability and future.
See BenefitsThe cover provides financial support to ease the burden of funeral expenses during a difficult time. With affordable premiums and quick payouts, it ensures loved ones can honour their final goodbyes without financial stress. Cover your family with flexible options tailored to your needs. Secure peace of mind.
See BenefitsThe second objective is to address needs in the event of disability, including a lump sum for medical expenses, an income protector to replace lost salary due to temporary or permanent disability, and an emergency fund. This ensures financial stability during difficult times when you're unable to work.
See BenefitsThis is a type of insurance designed to provide a regular income if you are unable to work due to illness, injury, or disability. It ensures that you can maintain your lifestyle and meet financial obligations even when you are unable to earn a salary. In South Africa, income protection is a critical financial safety net, especially given the high cost of living and the potential for unexpected life events.
See BenefitsAnother important objective is to address the financial impact of a severe illness, such as a heart attack, stroke, or cancer. Key considerations include a lump sum for medical expenses, an income protector to replace lost salary, and an emergency fund to cover unforeseen costs during recovery. This ensures financial stability during illness.
See BenefitsCancer cover is a specialised insurance product designed to provide financial support to individuals diagnosed with cancer. It typically offers a lump-sum payout upon diagnosis, which can be used to cover medical expenses, lifestyle adjustments, or income replacement.
See BenefitsKey Person Insurance is a life insurance policy for critical individuals in a business, such as owners, founders, or key employees. It protects the business against financial losses from the loss of their expertise, relationships, or ability to complete projects. It also covers recruitment costs and mitigates risks like loan recalls tied to the key person
See BenefitsContingent Liability Insurance protects a business by covering the life of an employee or director who has stood surety for its debts. It ensures there is sufficient liquidity to settle outstanding debts, safeguarding the business from financial strain in the absence of such coverage
See BenefitsThe business purchases life insurance policies on each co-owner, paying the premiums and acting as the policy owner and beneficiary. This ensures enough capital is available to buy shares from a deceased co-owner's estate. Without this coverage, the shares may pass to the co-owner’s beneficiaries, potentially complicating business operations.
See BenefitsA tax-efficient savings product designed for individuals to save for retirement. Contributions are invested in a range of asset classes, and the funds are accessible only after the age of 55.
See BenefitsThis is a retirement savings vehicle where both employees and employers contribute. At retirement, members can withdraw the full amount as a lump sum, subject to taxation, unlike pension funds that require annuitization. Contributions are tax-deductible, promoting long-term financial security.
See BenefitsThis is a post-retirement product where retirees invest their retirement savings and draw a regular income (between 2.5% and 17.5% annually).
See BenefitsA pooled investment fund where investors' money is combined and managed by professional fund managers. Unit trusts invest in a mix of asset classes, such as equities, bonds, and property.
See BenefitsTax-Free Savings Accounts (TFSAs) allow South African individuals to save or invest up to R36,000 per year (with a lifetime limit of R500,000) without paying tax on interest, dividends, or capital gains earned. Contributions are made with after-tax income, and the funds can be accessed at any time without penalties. TFSAs are ideal for long-term savings or building an emergency fund.
See BenefitsAn Endowment Policy is a life insurance plan that combines savings and protection. It provides a lump sum payout either at the end of a specified term or upon the policyholder's death, whichever comes first. This policy is ideal for achieving financial goals like education, home-ownership, or retirement, while offering a safety net for loved ones.
See BenefitsInvestments in international markets to diversify and hedge against local economic risks.
See BenefitsOur consultation is the starting point of your journey towards financial security and stability. It is aimed at understanding your current financial affairs, your needs and the goals you are set to reach. From this information, we are able to tailor our solutions to your specific needs.