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Business details

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Please enter a valid contact number
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Please enter a valid email address
This will also be your username if you choose to create a profile.
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You can select a suburb, street address or enter your full business address. The business address is the address where you keep all the items insured. The risk of this address plays a big role in the acceptance of you policy application, in the terms and conditions and also when your premium is calculated. If you do not let us know when you are moving and that your business address has changed we will not be able to insure you any longer.
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Can't find address? Can't find suburb? CLICK HERE
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Is your business bordered by any of the following?

None

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{{item.Description}}
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Policy holder details

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The first name you entered is not valid
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The surname you entered is not valid
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Please enter a valid Id number
Your valid national South African ID number.
This is required.

Are your details true & correct

I confirm that the information I provided is both truthful and correct. We need your permission to access and process your personal information to ensure that your premium is calculated correctly according to your risk rating as well as to check and confirm your information at our discretion.

Motor

Vehicle
Motorcycle
Trailer
Please select an item

Non-motor

Buildings combined
Office contents
Fire
Electronic equipment
Fidelity guarantee
Employers liability
Accounts receivable
Glass
Public liability
Business all risk
Leakage damage
Business interruption
Money
Accidental damage
Malicious damage
Theft
Goods in transit
Group personal accident
Motor traders
Please select at least one underlying cover option (building, fire or office contents)
Please select a vehicle or at least one underlying cover option (building, fire or office contents)

Tell us about your vehicle

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This is required.
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Tell us about your vehicle usage

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Single Driver You will have cover when the regular driver and his/her spouse use the vehicle for business, social, domestic and pleasure purposes. You will also have cover if any other driver, whom we did not exclude from the policy, uses the vehicle occasionally for social, domestic and pleasure purposes but not for business purposes. Named Driver You can specify up to three drivers who all use the vehicle on a regular basis for business trips related to the function of the insured business noted on the policy. You will also have cover if any other driver, whom we did not exclude from the policy, uses the vehicle occasionally for social domestic and pleasure purposes. Pool Driver A pool vehicle is a vehicle with no specific regular driver as the vehicle is used randomly by more than three drivers for business, social, domestic and pleasure purposes
This is required.
Private use:
You use your vehicle for social, domestic or pleasure purposes including travel to & from work, excluding using the vehicle for business & professional purposes.
Business use:
You use your vehicle for business such as a sales rep.

Tell us about your daytime parking habits

This is required.
Either night or day time parking must be same as business.
This is required.

Tell us about your overnight parking habits

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Either night or day time parking must be same as business.
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Vehicle summary

Add car
{{vehicle.VehicleDescription.Description}}
{{($index == listIndex)? 'Current vehicle': 'Other vehicle' + $index }}
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Tell us about your motorcycle

Please specify the motorcycle make and engine capacity
Please specify the year.
Please specify the amount you want to insure your motorcycle for?
Insurance amount must be above R5 000
Insurance amount must be below R484 000
This value represents that amount that you'll be paid if your motorcycle's damaged beyond repair or stolen u0026 not recovered. It'll either be the amount you specified or the market value at the time of the claim - whichever is lower. BetterCar insurance will replace your motorcycle with the same model, which is one year newer or with 20,000 kms less on the clock than the written of motorcycle *T&Cs apply.
Yes No
Please specify if this motorcycle is used offroad

Tell us about your motorcycle usage

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This .
This is required.
Private use:
You use your motorcycle for social, domestic or pleasure purposes including travel to & from work, excluding using the motorcycle for business & professional purposes.
Business use:
You use your motorcycle for business such as a sales rep.

Tell us about your daytime parking habits

This is required.
Either night or day time parking must be same as business.
This is required.

Tell us about your overnight parking habits

This is required.
Either night or day time parking must be same as business.
This is required.

Motorcycle Summary

Add motorcycle
{{vehicle.VehicleDescription.Description}}
{{($index == listIndex)?'Current motorcycle': 'Other motorcycle '+$index}}
Edit
Remove

Tell us about your trailer

This is required.
This is required.
Please specify the amount you want to insure your trailer for?
Insurance amount must be above R2 400
Insurance amount must be below R275 000

Tell us about your trailer usage

This is required.
Private use:
You use your trailer for social, domestic or pleasure purposes including transporting goods to & from work, excluding using the trailer for business & professional purposes.
Business use:
You use your trailer for business such as sales delivery.

Tell us about your overnight parking habits

This is required.

Trailer Summary

Add trailer
{{vehicle.VehicleDescription.Description}}
{{($index == listIndex)?'Current trailer': 'Other trailer '+$index}}
Edit
Remove

Regular driver details

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The first name you entered is not valid
This is required
The surname you entered is not valid
This is required
The ID number you entered is not a valid South Africa ID number
The ID number you entered belongs to the policy holder, please enter a diffent ID number
A member with this ID number already exists.
Your valid national South African ID number.
This is required
Please select

License details

Please select
Please specify
The driver's license must have been issued after it is legal.
License date cannot be in the future
Please specify
The driver's license must have been issued after it is legal.
License date cannot be in the future

Insurance details

Please select
Please select
Claim cannot be in the future
Claim cannot be before the License date
We need to know how long you've had uninterrupted comprehensive insurance. Even if you've been driving a company car or have been on someone elses insurance policy.

Vehicles that this person is the regular driver of

  • {{vehicle.VehicleDescription.Description}} ({{driverDesc(vehicle.Driver)}} is the regular driver
A regular driver needs to be assigned for every vehicle.
A regular driver needs to be assigned to a vehicle.

Driver summary

Add driver
{{driverDesc(driver)}}
{{($index == index)?'Current driver': 'Other driver '+$index}}
Edit
Remove

Building details

Yes No
This is required.
Yes No
This is required.
Yes No
This is required.
Yes No
This is required.
Yes No
This is required.
Yes No
This is required.

Security details

Yes No
This is required.
Yes No
This is required.
Yes No
This is required.
Yes No
This is required.
Yes No
This is required.

Building cover
This section covers the buildings, garages, outbuildings, walls, gates, fences and fixtures at your business address. You must insure your buildings for their replacement value. The replacement value is what it will cost you after a loss to rebuild your building with new building materials.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Building.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Building.CoverMax | currency : 'R' : 0}}
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Building.ContentMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Building.ContentMax | currency : 'R' : 0}}
Total includes R10,000 geyser and consequential damages cover.
Total should be less than {{Quote.NonMotorSelectionInfo.Fire.CoverMax | currency : 'R' : 0}}
Total cover
{{Quote.NonMotorSelectionInfo.Fire.TotalCover | currency : 'R' : 0}}

Fire cover
Your business property is covered against loss and damage due to perils ranging from fire, lightning, earthquakes, storms and snow, to the cost for fire extinguishing at your business premises.

Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Fire.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Fire.CoverMax | currency : 'R' : 0}}
Yes No This includes all machinery, tools and equipment kept inside the building you operate from.
This is required.
This is required.
Insurance amount must be above {{1 | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{1 | currency : 'R' : 0}}
Yes No
This is required.
Insurance amount must be above {{1 | currency : 'R' : 0}}
This is required.
Yes No
This is required.
This is required.
Insurance amount must be above {{1 | currency : 'R' : 0}}
Total includes R10,000 geyser and consequential damages cover.
Total should be less than {{Quote.NonMotorSelectionInfo.Fire.CoverMax | currency : 'R' : 0}}
Total cover
{{Quote.NonMotorSelectionInfo.Fire.TotalCover | currency : 'R' : 0}}

Office contents
Specific cover for the office furniture you keep inside your business premises.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.OfficeContent.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.OfficeContent.CoverMax | currency : 'R' : 0}}

Business interruption cover
You will be placed back in the same position you were before, if you lose turnover/sales/revenue/income as a result of loss or damage to your business property after a fire peril.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.BusinessInterruption.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.BusinessInterruption.CoverMax | currency : 'R' : 0}}
Please select a duration
If your business experiences a loss or damage, how long do you estimate it would take you to get the business where it would have been if you had not suffered the loss?

Accounts receivable cover
You will be compensated if you cannot trace amounts owed to you because your financial records were lost or destroyed in an incident covered under the Fire section of your policy.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.AccountsReceivable.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.AccountsReceivable.CoverMax | currency : 'R' : 0}}

Electronic equipment cover
You are covered for loss of and damage to your computers and licensed software, used for business purposes.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.ElectronicEquipment.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.ElectronicEquipment.CoverMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.ElectronicEquipment.SoftwareMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.ElectronicEquipment.SoftwareMax | currency : 'R' : 0}}

Theft cover
Your business goods are covered against robberies and burglaries.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Theft.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Theft.CoverMax | currency : 'R' : 0}}

Money cover
You are protected in the event of loss of or damage to your cash, cheques and safe/s.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Theft.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{(Quote.NonMotorBuildingAndSecurityInfo.HasWorkingAlarm === 'Y') ? Quote.NonMotorSelectionInfo.Money.CoverMaxHasAlarm : Quote.NonMotorSelectionInfo.Money.CoverMaxNoAlarm | currency : 'R' : 0}}

Glass cover
This is specific cover for the fixed glass at your business premises.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Glass.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Glass.CoverMax | currency : 'R' : 0}}

Fidelity guarantee cover
You are protected against losses suffered due to fraud committed by employees.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.Fidelity.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.Fidelity.CoverMax | currency : 'R' : 0}}

Goods in transit
Your business goods are covered while they are being transported.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.GoodsInTransit.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.GoodsInTransit.CoverMax | currency : 'R' : 0}}

Accidental damage
A unique extension to cover your business goods against accidental loss and damage. These incidents are not insurable under any other policy section.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.AccidentalDamage.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.AccidentalDamage.CoverMax | currency : 'R' : 0}}

Public liability
You are protected if you are held legally responsible for injuries to or death of a third party, or damage to his/her property.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.PublicLiability.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.PublicLiability.CoverMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.PublicLiability.ProductMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.PublicLiability.ProductMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.PublicLiability.WorkmanshipMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.PublicLiability.WorkmanshipMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.PublicLiability.TrusteesMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.PublicLiability.TrusteesMax | currency : 'R' : 0}}
 
The total public liability cover exceeds the maximum of {{Quote.NonMotorSelectionInfo.PublicLiability.MaxTotalCover | currency:"R"}}
Total cover
{{Quote.NonMotorSelectionInfo.PublicLiability.TotalCover | currency : 'R' : 0}}

Employers liability
Protects you if you are held legally responsible for injuries, death or illness suffered by an employee.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.EmployersLiability.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.EmployersLiability.CoverMax | currency : 'R' : 0}}

Business all risk
You are protected against loss or damage to your insured items away from your business address.

Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.BusinessAllRisk.LaptopMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.BusinessAllRisk.LaptopMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.BusinessAllRisk.CellphonesMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.BusinessAllRisk.CellphonesMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.BusinessAllRisk.ToolsMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.BusinessAllRisk.ToolsMax | currency : 'R' : 0}}
Yes No
This is required.
This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.BusinessAllRisk.PortablePossessionsMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.BusinessAllRisk.PortablePossessionsMax | currency : 'R' : 0}}

Malicious damage cover
Insured goods for loss or damage as a result of deliberate and willful act of any person with the intention of causing such harm.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.MaliciousDamage.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.MaliciousDamage.CoverMax | currency : 'R' : 0}}

Group personal accident cover
Insured owners and shareholders are covered for death and disablement and medical expenses after an accident.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.GroupPersonalAccident.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.GroupPersonalAccident.CoverMax | currency : 'R' : 0}}

Leakage damage
Insured against accidental discharge or leakage of tanks, pipes or other apparatus.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.LeakageDamage.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.LeakageDamage.CoverMax | currency : 'R' : 0}}

Motor traders cover
Insured any vehicle within our description not owned by you but in your possession for business purposes whether on your business premises or elsewhere.

This is required.
Insurance amount must be above {{Quote.NonMotorSelectionInfo.MotorTraders.CoverMin | currency : 'R' : 0}}
Insurance amount must be below {{Quote.NonMotorSelectionInfo.MotorTraders.CoverMax | currency : 'R' : 0}}
Yes No
This is required.
Please select how much cover you require
Auto & General

Business details

{{Quote.Summary.BusinessContactNumber}}
{{Quote.Summary.BusinessEmail}}
{{Quote.Summary.RiskAddress.Address1}} {{Quote.Summary.RiskAddress.Address2}} {{Quote.Summary.RiskAddress.Address3}}
{{Quote.Summary.RiskAddress.SuburbName}}
{{Quote.Summary.RiskAddress.PostCode}}

Policy holder details

{{Quote.Summary.Personal.FullName}}
{{MaritalDisplay(Quote.Summary.Personal.MaritalStatus)}}
{{Quote.Summary.Personal.IdNumber}}
{{Quote.Summary.Personal.BirthDateDisplay}}

Motor details

Non motor details

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{{riskItem.TotalCoverValue}}
Monthly premium
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SASRIA

SASRIA stands for the South African Special Risks Insurance Association and it covers your business against accidental or deliberate damage that's caused by someone taking part in a riot, strike, lock-out or civil commotion. It includes damage caused by people with a political social or economic agenda with the intention to protest influence or overthrow any sphere of government or to induce public fear. Lastly it is limited to things happening in South Africa.
{{Quote.Summary.TotalMotorSasriaPremium}}
{{Quote.Summary.TotalNonMotorSasriaPremium}}
Monthly premium
{{Quote.Summary.TotalSasriaPremium}}

Total monthly premium

{{Quote.Summary.TotalPremium}}

We need more information

Thank you for your interest in a Auto & General Business Insurance quote. We need more information in order for you to proceed with your quote.
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