Repair costs increase year after year. Parts, labour, towing, storage, car hire, and assessment costs rise over time, so insurers adjust premiums to accommodate higher repair and replacement costs, even if a vehicle’s value depreciates.

Professional Indemnity is a critical form of liability protection for professionals who provide advice, opinions, designs, certifications, or specialised services such as attorneys, architects, engineers, auditors and pharmacists.

In South Africa, this cover is not merely optional or contractual in many cases, it is a legal or regulatory requirement to practice.

Goods In Transit insurance protects against loss or damage to goods while they are being moved from one location to another. This may include theft, fire, damage due to accidents and even debris removal & clean-up costs. Coverage can extend to goods carried by road, rail, sea, or air, depending on the terms of the policy.

You can prevent underinsurance by ensuring your assets are insured at their correct replacement value, reviewing your cover regularly, accounting for inflation, and working with our professional team to keep your policy aligned with your business needs.