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Risk is the chance of a loss or the possibility of an unfortunate accident.  The taking of a risk is based on your own personal experience; however there is a limit to the amount of risk you can bear, and there are some risks for which insurance companies are prepared to take responsibility and provide cover, and most of these risks are common to most of us. However, although you may have a measure of control over your assets through good security and careful driving etc., these risks cannot be completely avoided.
The use of the word risk in insurance refers to the subject matter of insurance which is the item requiring insurance cover.
 
What is risk?
What is Risk Risk is the chance of a loss or the possibility of an unfortunate accident.  The taking of a risk is based onyour own personal experience; however there is a limit to the amount of risk you can b...
What is Insurance
What is Insurance Insurance is a means of compensation following the occurrence of a misfortune.  Most people consider it important or even essential that they insure, because loss or damage can bring untold suffe...
 
The Dreaded Condition
The Dreaded "Average" Condition This is a standard condition that now appears on most policies; basically, if your property is insured for $15,000 whilst its true value is really $30,000, then, if you submit a claim in the amount of...
Claim Documents
Documents Motor Claim
1. Completed and signed claim form
2. A photocopy of your driver’s license
3. 3 x quotations from reputable panel beaters
4. Conclusive Police Re...
 
Established in 1982

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Because of currency problems, your insurance contract is on a strictly “cash-before-cover” basis. However, if you are interested in paying your premiums over a period, our staff can arrange for you to pay monthly (over 12 months) quarterly or half-yearly.

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