Short Term Insurance Just For You

PERSONAL INSURANCE

At InsureWize, we take the time to ensure that we have solutions that best suits our clients’ personal insurance needs. We will obtain the best quotation for your needs, including a car insurance quote. Assist you with claims or any amendments on your policy. Your car and your household possessions play an important role in your daily life. 

If you need to replace any of your belongings because of loss, theft or damage, the right insurance can give you peace of mind that you can do so timely and properly. As a result, you can minimise the financial burden on your lifestyle when things go wrong. Get a car insurance quote today.

Because life is so unpredictable, we will do a complete review of your short-term insurance  and see to it that you are quoted correctly and only pay for the cover you need. 

ALL RISK INSURANCE

All Risk Insurance is the cover you should, literally, never leave home without. From sunglasses to cellphones, from wallets to watches, from cameras to computers, make sure your belongings are covered . All Life Insurance.

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BUILDING INSURANCE

Underinsured building cover remains a common but expensive insurance oversight. Our comprehensive building insurance offering considers all the risk scenarios that your home or buildings are exposed to and helps you find the most appropriate solution for your home.

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CAR INSURANCE QUOTE

Get a Car insurance quote as it is far from a luxury-its a necessity. Your vehicle is an essential part of your life. Make sure you are covered against potential car emergencies that could affect your livelihood with our comprehensive personal car insurance quote.

Every day your home and assets are exposed to potential threats. We would like to assist you in making sure you are adequately protected against these risks. 

How would you be covered if things in your house was stolen or your car is damaged? Switching insurance is easy if you have the right advisor. If you are not happy with your current cover let us do the leg work for you and get the best car insurance quote cover to suit your needs and pocket. Our car insurance quote/option has given so many individuals the opportunity to find the best car insurance to make sure their desired needs are met. 

Click HERE to send us your contact details and we will call you back.

WATERCRAFT / TRAILER / CARAVAN

Take advantage of our dedicated watercraft insurance for peace of mind in and out of the water. This solution covers motorboats, jet-skis and wet bikes and includes loss or damage to watercraft equipment, standard fittings and accessories.

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PERSONAL LEGAL LIABILITY

Personal legal liability insurance covers against a party suing you, in your personal capacity, for financial loss, physical injury or death. Cover against civil and criminal matters.

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COMMERCIAL / BUSINESS / INSURANCE

We have engineered our competitive and comprehensive short-term insurance to protect your business from a wide range of unforeseen events. We understand that your business is unique, that's why we design your cover based on your individual needs. To ensure that we give you the best service experience, we continually optimise and review our systems.

Our expertise in commercial insurance will provide your business an insurance tailored to your businesses needs and the specific risks associated within your company. When running a business, you have enough to think about without having to worry about unexpected losses. Ensuring your business gets the best cover with the most competitive premiums is essential. Do you have a fleet of vehicles, get a comparative car insurance quote today!

We work with South Africa’s top and most trusted business and commercial insurance providers to help business owners find competitive business insurance.

BUILD BUSINESS INSURANCE TO FIT YOUR COMPANY

Business insurance gives you protection from everyday business risks to large, unexpected compensation claims. It can protect your work, your people, your reputation, and ultimately, your future livelihood. Business insurance is typically made up of public liability, employers’ liability, professional indemnity, and buildings and contents insurance. 

But that’s not all. Depending on what your business does, you can also add protection for terrorism, defamation, equipment – and much, much more. Because your business is unique, so your insurance needs to be too.

Small and micro businesses are often most at risk, as many couldn’t afford to face a hefty compensation or damage claim or without having business insurance in place. From mistakes to trips and slips to flooding, accidents can happen anywhere, at any time. 

So it doesn’t matter if you’re selling cupcakes on the side, vintage clothes online or you’re building up your established plumbing firm over time – you’ll need business insurance to protect you from the things that could go wrong, from the get-go. 

Do you have a fleet of vehicles? Get a comparative car insurance quote today!

LIABILITY INSURANCE

We all make mistakes, that’s a fact. Liability insurance exists so you can sleep easy, knowing your business is protected when you make a mistake. If an employee or client gets injured on your premises or if a product you sold causes damage elsewhere, you can be held legally liable.

Whether you run a restaurant, a plumbing company, or you practice medicine, you can be sued for damages or injuries and that’s why you need liability insurance. No business is safe without it.

STRUCTURING CONTINGENT LIABILITY INSURANCE

Few entrepreneurs are lucky enough to grow their business into a large enterprise without external funding or incurring debt. Many business owners therefore must sign surety on behalf of their businesses at some point. While this reality is something business owners must live with, it is risky to sign surety without contingent liability insurance.

At worst, it can place the personal estate of the business owner at the mercy of creditors, leaving little, if anything for his family to inherit. Most surety contracts bind the business owner as a co-principal debtor.

This means that the creditor can choose from whom he wants to claim repayment of the loan. So if one of the co-principal debtors dies, the creditors can claim from their estate. In the winding up of the estate, all creditors must be paid first this means the business owner’s heirs only receive what is left after all claims and taxes have been paid.

So, if there isn’t enough cash in the estate to repay creditors, the business owner’s assets, including his family home, can be sold by the executor.

BUSINESS FLEET / CAR INSURANCE

Protects all your business vehicles against theft and damage.

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MOTOR TRADERS INSURANCE

Covers damages that you are liable to pay after an incident relating to your business.

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BUILDINGS COMBINED INSURANCE

Protects fixed structures such as your office that you use to conduct business in against losses, financial costs and business interruption.

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FIRE

Insures your business' building, permanent structure and goods against fire.

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EMPLOYER LIABILITY INSURANCE

Protects you for damages that you or any person associated with your business may be held legally liable to pay after an incident.

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OFFICE CONTENTS INSURANCE

Covers your movable property such as office furniture inside your business premises and helps ensure business continuity.

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BUSINESS ALL-RISK INSURANCE

Covers business items that are regularly moved from the insured premises.

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MONEY INSURANCE

Protects your cash, cheques, postal and money orders.

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