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Personal insurance for your car, your home and everything in it
Cover for the things you could not comfortably replace yourself, arranged anywhere in South Africa, set up properly at the start, reviewed as your life changes, and claimed for by us on your behalf.
The cover most South African households need
Everything below can be arranged separately, but it is almost always cheaper and simpler to hold it on one multi-peril policy with one excess structure and one renewal date.
Motor vehicle
Comprehensive, third-party fire & theft, or third-party only. Includes accident damage, theft and hijacking, and liability to other road users.
- Cars, bakkies, motorcycles
- Caravans, trailers & watercraft
- Car hire & roadside assistance options
Home buildings
The structure itself, walls, roof, fixtures, outbuildings, pool, boundary walls , against fire, storm, flood, impact, burst geysers and more.
- Usually required by your bond
- Geyser bursts & resulting water damage
- Subsidence & landslip options
Household contents
Everything inside: furniture, appliances, clothing, electronics. Cover for theft, fire, storm damage and power surge.
- Power-surge damage to electronics
- Accidental damage options
- Cover while moving house
All risk & portable possessions
The things that leave the house with you, laptops, phones, jewellery, bicycles, tools, sports equipment, handbags.
Personal liability
If you, a family member or your dog causes injury or damage to someone else, this covers your legal liability. Cheap, and the one people forget.
Add-ons worth asking about
Emergency home assistance, legal expenses cover, hospital cash plans and extended warranties, useful for some households, unnecessary for others. We’ll say which.
The five things that actually decide whether your claim pays
None of these are secrets. They are just the things that quietly go wrong on cheap policies, and the reason a claim gets reduced or rejected months later.
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Your sum insured is realistic. If you insure a home’s contents for R250 000 when replacing them would cost R500 000, most insurers apply average, meaning they pay only the proportion you insured, even on a small claim.
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The excess structure suits you. A higher excess lowers your premium, which is fine, provided you could actually find that money on the day.
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Security requirements are met and honest. If the policy assumes a tracking device, alarm linked to armed response, or a locked garage, that has to be true. This is the single most common reason a motor or theft claim fails.
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The regular driver is correctly declared. Insuring a car in a parent’s name while a young driver actually drives it daily is misrepresentation, and insurers do check after an accident.
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Maintenance and wear are not covered, ever. A rusted geyser that fails is maintenance; a geyser that bursts is a claim. Knowing the difference before you phone saves a lot of frustration, and we have written a full guide to geyser claims explaining exactly where insurers draw that line.
We go through every one of these with you when we set the policy up, and again at each annual review. It takes twenty minutes and it is the whole point of using a broker.
From first message to cover in place
Tell us what you need covered
Three fields on the quote form, or a WhatsApp message. No documents, no ID copies, no commitment.
We work out what you actually need
A short conversation about your home, your vehicles and your circumstances, then we go to the insurers we work with and compare properly.
You get options in writing
Premiums, excesses, what is covered and what is not, side by side. We tell you what we would choose and why, and you decide.
We put it in place and review it yearly
Cover starts, documents come to you, and we check in annually, because sums insured that were right three years ago usually are not any more.
Questions worth asking
The honest test is whether you could replace the car tomorrow out of your own money. If you could not, comprehensive is the sensible answer. On an older car worth very little, third-party only, which covers the damage you do to other people, is often the rational choice, and it is far cheaper.
What we would not recommend is driving with nothing at all. The claim that ruins people financially is almost never their own car; it is the other person’s.
Our comprehensive vs third-party guide walks through the numbers and the trade-offs in more detail.
No. The building is your landlord’s responsibility. What you do need is contents cover for your own possessions, and personal liability. Tenants routinely discover after a burst pipe or a burglary that nothing of theirs was insured.
Both are usually possible, it depends on the vehicle, its value, where it is parked overnight and the insurer. Higher-risk and higher-value vehicles often come with a tracking condition. If one applies to your quote we will tell you up front, not bury it in the schedule.
You can, and sometimes it genuinely works out better. More often, holding everything on one policy earns a multi-policy discount and removes the argument about which insurer is responsible when one event damages both, a storm that takes off a roof and writes off the car underneath it, for instance.
Let’s see what your cover should really cost.
Send us three details and we will come back with options from the insurers we work with , and an honest view on which one we would pick.
Micah Financial Services (PTY) Ltd. is an Authorised Financial Services Provider, FSP 46080. A quote request is not advice until a representative has engaged with you.