YOU ALWAYS GET SOMETHING OUT

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 R100 000, older than five years, and not financed, this could be the product for you. Essential buildings cover will cover your building to maximum of R200 000 and essential contents cover will provide cover 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 charge 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.

Liability cover

If you’ve taken out essential buildings insurance, you’ll also receive liability cover (up to R50 000) if you can be held legally liable for any injuries or damage to someone else’s property. In the case of essential car insurance, you’ll receive liability cover for up to R1 million.  

Essential car insurance

Essential car insurance


If your vehicle is older than five years, non financed and worth less than R100 000, essential car insurance may just be the perfect alternative to our comprehensive car insurance package. You can specify maximum accidental cover for up to 40% of the retail value of the vehicle, you’ll enjoy cover outside South Africa (to include Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland, and Zimbabwe) and if your vehicle is stolen, we’ll pay the full retail value minus your selected excess amount. 

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 and your building gets damaged because of impact by a vehicle. 

Essential contents insurance

Essential contents insurance


Receive cover for up to R50 000 for any damage that was caused by fire, impact by a vehicle, acts of nature, damage caused by a leaking or burst geyser. 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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