With a large number of domestic insurers, we will find you the best policy at a great price.
With our wide variety of Blue Chip Insurers and underwriters, we will be able to find and provide you with the correct cover for your domestic insurance.
- Building - Cover for your home building, did you know it is often cheaper to take out insurance with a broker than have it on your bond?
- Home Contents - Cover for all your assets inside your house for a wide variety of claim perils and theft .
- All Risks - Cover for items that leave the house, cover is offered world wide so list your items when going on holiday.
- Vehicle - We offer well priced cover on your private vehicle for business use or private.
- High Net worth - Specialised cover for high net worth clients where you do not need to specify each item
- Value added products - We can offer various add on products such as car hire, roadside assistance and excess waivers.
See below for more information on the various products.
Home Building insurance
Have you taken out a bond and the finance house automatically included your insurance? Or are you still paying your bond and are not even aware of the high insurance charged for your building?
We have found that moving your building insurance from the finance house to an Insurance specific company can reduce your premiums by up to 50%.
Do you even know what the building insurance covers and have you thought about the headaches involved that come with dealing with a call centre?
– Geysers
– Gate motors
– fire, water and allied perils
– pool pumps
– garage door motors.
Home Contents
When taking out vehicle insurance, most clients neglect to think about their contents in their homes. The value of home contents normally far out weighs the value of a vehicle making this cover a real necessity.
Even if you do not own the building, you can still face damage to the contents by fire, water or theft. It would be devastating to come home and find your items have been stolen. Without insurance cover you would have to purchase all these items again out of your own pocket which could take a life time depending on how long you have been collecting possessions.
What clients may not be aware of is that some times taking vehicle insurance on its own can be more expensive than taking home contents with the vehicle as insurance companies subsidize motor claims which is high risk with contents premiums which is relatively low risk. This is why the give discounts on vehicle premiums if a client takes home contents as well.
All risks insurance
Do you know that any item removed the house must be specified under all risks to have cover. These are items such as cellphones, cameras, laptops, sports equipment, jewellery and bicycles.
These will be covered worldwide and the cover is wider than under contents section. You can cover items for replacement value and our claims can be paid out in as little as 24 hours if all documentation is correct.
We can also cover the contents of your caravan or holiday home.
We can also offer general unspecified all risks for smaller items with a lower value of which there is too much to note such as contents of a handbag or gym bag.
VEHICLE - CAR INSURANCE
If you have an accident and even if it is not entirely your fault, trying to claim from the other party could be a lost cause especially if they do not have insurance themselves.
Do you know that most insurers exclude pothole damage or unevenness of a road surface? Has your insurer explained the difference between retail value and market value?
Has your insurer explained the difference between, personal use, business use or commercial use. Our leadership team oversees all policies to make
sure our clients have been given the correct cover and policies are
underwritten to the clients needs.
- 30 Days car hire following a claim
- Excess waiver or buyback
– Roadside assistance
– Hail damage
– Comprehensive insurance at retail value.
HIGH NETWORTH POLICY
We offer specialised policies for high net worth clients. these offer a percentage of your home contents cover as all risks. This means you do not have to specify every little item that leaves your premises.
There are minimum sum insureds that do have to be met. The insurers also offer an evaluator to come out to assist you with determining the value of all your items. This is also good for those with lots of art or do not know what their items are worth.
VALUE ADDED PRODUCTS
With all our short term personal / domestic policies, you can add various add on products to assist you in times of need.
- Excess waiver / reducer
- Roadside assistance / 24 hour call centre assistance
- Home Assistance
- Car hire (the type of vehicle can be upgraded)
- Tyre Insurance
- Cyber risks Cover / Identity theft