Personal &
short-term insurance

Vehicle, Building,  Home content and Personal lines insurance

You are offered excellent advice with your best interest at heart by our experienced team of professionals.

Your SFA expert advisors will commit to perform a comprehensive risk assessment and find the right cover for you at the most competitive price.

We meet your personal, as well as business requirements from a vast array of products, including niche products. When you submit a claim, we liaise with the insurer on your behalf and always strive to ensure a fair and speedy claim process.

We assist you in protecting your values, health, and wealth. This includes motor, household and building insurance, as well as art, sporting equipment, collectables, and electronic devices. We do Insurance, so you can do life.

Benefits

  • SFA’s direct broker access to leading insurers provides a tailor-made solution.
  • Carefully crafted insurance supporting your individual needs.
  • Fast-tracked claims for replacement of gate motors – covering theft, lightning damage, and power surge.
  • Up to 20% discount on your motor, household and building insurance premium.
  • Home contents insurance
  • Power surges
  • Limited and full cover for subsidence and landslip
  • Building insurance
  • 24-hour assist for emergencies and geysers
  • Portable possessions insurance for your valuable items
  • Caravan and trailer Insurance
  • Watercraft insurance
  • Optional car hire options
  • Various excess options available
  • Access to 24/7 telephonic emergency assist
  • Insurance for household goods against power surges and load shedding damage.
  • Limited mileage insurance ensures a lower premium if you spend limited time on the road.
  • Insure stand-alone valuable articles like cell phones, wheels, and tyres, and even get cover for personal cyber and identity theft.
  • Motor stand-alone policies with excess waiver options available, providing coverage according to its own terms and conditions.

Product offering

  • Car Insurance
  • Home contents insurance
  • Power surges
  • Limited and full cover for subsidence and landslip
  • Building insurance
  • 24-hour assist for emergencies and geysers
  • Portable possessions insurance for your valuable items
  • Caravan and trailer Insurance
  • Watercraft insurance
  • Optional car hire options
  • Various excess options available
  • Access to 24/7 telephonic emergency assist

Value added product offerings

  • Wheel and tyre cover – optional
  • Mobile stand-alone cover
  • Personal cyber insurance
  • Vehicle insurance

Your car is an indispensable part of your life. At SFA we offer standalone Comprehensive Car Insurance that specifically covers for your own car’s damages and losses. This includes damages and losses caused due to accidents and collisions, natural calamities, fires, and thefts. It provides complete peace of mind. Let us call you back for a car insurance quote.

  • Building insurance

For many people, their home is their greatest asset. Although you are required to have building insurance in place to protect your lender’s interests, it is just as important to have the cover in place to protect yourself. Your home is more than just a building. It is a unique and beloved place of protection for you and your family, a place you want to protect.

SFA can cover your building against damage to your house and all permanent structures, fittings, and fixtures. We include unforeseen events such as fires, extreme weather events or burst geysers and pipes. One of our professional team members will explain the full scope of your cover.

  • Home content

You have filled your home with unique and handpicked items. Whether you are a homeowner or renting a property, you will always need home contents insurance to protect these items. For peace of mind let SFA protect all the things you have worked so hard to get. We offer value-added benefits that give you more value and provide the outstanding service you deserve.

You will receive cover for everything in your house against theft, fire, and malicious or weather damages, storms, flooding, lightning included. Extended cover for accidental damage and power surge can additionally be added.

  • Personal lines

The one home personal lines policy is aimed at insuring the contents of homeowners living in standard security complexes. It is based on a minimum first loss contents sum insured, meaning that if the contents of your student accommodation are more than the minimum sum insured, we will only be liable for the minimum sum insured in the event of a total loss.

Example

Your contents sum insured is R100 000, but the actual replacement cost is R200 000, meaning that you are under-insured by 50%. Therefore, if in the event of a fire and your entire contents are destroyed, we will only be liable for the amount stated below:

  • Sum insured as per the contents section: R100 000
  • Replacement value: R200 000
  • Total Loss: R200 000
  • Calculation: We will only be liable for R100 000

Benefits

  • Household contents up to a first loss limit of R100 000
  • Claims preparation costs R10 000
  • Accidental damage R10 000
  • Loss of rent 25% of contents sum insured
  • Glass R10 000 only if the building is insured and part of a homeowners association
  • Unspecified all risks up R10 000 and any one item covered up to 25% of R10 000.00, being R2 500 for any one item normally worn or carried on the person
  • Specified items such as laptops or cell phones for the amount specified on the policy
  • Accidental damage to audio visual equipment up to R5 000
  • Accidental damage to aerials and satellite dishes up to R5 000
  • Accidental damage to glass tops up to R5 000
  • Accidental death up to R50 000, with death occurring within 12 months of the injury
  • Mechanical / electrical / electronic damage to insured property including personal computers subject to the policy exclusions
  • Personal liability for R2 500 000

What does the policy cover?

Loss and or damage to the insured contents of your unit against the following events: 

  • Fire, lightning, explosion
  • Earthquake, excluding damage as a result of any mining operations
  • Storm, wind, water, hail, or snow
  • Resultant damage from bursting, leaking for overflowing of water tanks, apparatus, or pipes
  • Theft or attempted theft subject to forcible violent entry or exit
  • Impact damage
  • Breakage or collapse of radio or television aerials
  • Deliberate or wilful acts
  • Subsidence and landslip
  • Theft or attempted theft of the property insured whilst inside

Additional insured events

  • Aircraft or aerial devices dropped therefrom
  • Malicious and accidental damage
  • SASRIA (political riot cover)