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Why choose essential insurance cover

Essential insurance cover provides a low-cost alternative to comprehensive car, contents and buildings insurance. If your vehicle is valued at less than R125 000, older than five years, and not financed, this could be the product for you. Essential buildings cover provides building cover up to a maximum of R200 000 and essential contents cover provides cover up to a maximum of R50 000. 

Claims settled in cash

Your claim is settled in cash – we will deduct your excess (i.e. first amount not covered) from your final cash payout amount. 

You’re in complete control of the repairs process

Because your claim is paid out in cash, you can shop around for the best price and arrange for repairs at a service provider of your choice.

A low-cost alternative to comprehensive insurance

If you think comprehensive insurance is too expensive, especially considering the value of your buildings, contents or car – Essential Insurance may just prove to be the perfect solution.

Essential car insurance

Essential car insurance

If your vehicle is older than five years, not financed and worth less than R125 000, essential car insurance may just be the perfect alternative to our comprehensive car insurance package. It’s more affordable that comprehensive insurance, you’ll be covered for accidental damage up to your chosen amount (up to 40% of the retail value of your vehicle), you can repair the vehicle at a repairer of your choice, and you’ll receive liability cover up to R1 million. 

Essential buildings insurance

Essential buildings insurance


Your building will be covered for a maximum of R200 000 in case of fire, explosion and any acts of nature such as earthquakes, wind or hail storms. We also provide cover if your geyser bursts or if your building gets damaged because of impact by a vehicle. In addition, you’ll receive liability cover up to R50,000 if you can be held legally liable for injuries or damage to someone else’s property. 

Essential contents insurance

Essential contents insurance

You'll be covered to a maximum of R50 000 for damage caused by acts of nature, fire, impact by a vehicle or damage caused by a leaking or burst geyser.

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