An insurance broker will help you identify the risks you are exposed to. The broker will advise you on what insurance products are available for these risks and, at your request, source the insurance covers that suit your needs from any number of local or foreign insurers. The broker will discuss the various options with you and help you select the best option and when agreed place the cover with the chosen insurer and arrange the documentation. The broker will also help you with general insurance advice and look after any amendments to the policies that may be required. In the event of a claim, the broker will assist you in the submission of the claim and will liaise between you and the insurer to bring the claim to a successful resolution.

The fact that both are insurance intermediaries, there is a big difference between the two. Whereas an insurance agent acts on behalf of one or more insurance companies and can only access the products offered by the insurers the agent represents, an insurance broker is a full-time insurance professional, who works for you and acts on your behalf. The broker is independent, obliged to act in your best interests and can arrange the best protection for you at a competitive rate.

Insurance broker does the work of finding the right insurance policy for you. They are trained insurance experts, so they can analyze your needs, negotiate with insurers, and recommend coverage that best matches your budget

An insurance broker offers a range of services from arranging new covers, insurance quotes, renewals and assists on claims; covering all classes of insurance business be it Personal  to Commercial , Marine or Aviation. Broker forms an ongoing relationship with you to acquire all the knowledge required to provide a better service to you.

Our services are based on our appointment as your insurance brokers. So these services are provided free of charge to you. There are certain areas, however, where we may charge fees to a client for services that do not form part of the broker’s appointment. Such services may include assistance in claims recovery, Consulting and Risk Retention Planning. Any fees and terms of reference will always be discussed with you beforehand.

No claim is the same. The moment you are aware that you may need to make a claim against your insurance policy, you need to inform us immediately by either calling us, or sending an email to us. We will take it from there and assist you step by step accordingly.

Yes, this one of our obligations to guide you through by collecting the necessary claim documents, to see that nothing is inimical in your claim documentation process before it’s submitted to the insurer to assess the claim for settlement.

Before you appoint a broker, you should check their credentials and background. You can use online tools.

Motor vehicles depreciate and the value of cars is constantly changing. It is your responsibility to ensure that the sum insured reflects the current market value and provide us with this. It is in your interest as in the event of a total loss claim you will be paid up to the current market value of your car.