Who We Serve
Our personal insurance clients include high-net-worth individuals with significant assets, young professionals building wealth, business owners with personal and commercial overlap, and families who need comprehensive, well-structured cover they can rely on. If you’ve been on the same policy for years without a proper review — this is where we start.
What We Cover
Homeowners (Buildings) Insurance
Protection for the physical structure of your home, outbuildings, boundary walls, and fixed improvements against insured perils including fire, storm damage, burst geysers, subsidence, and accidental damage. For high-value properties, we ensure your sum insured is properly calculated to avoid underinsurance at claim time.
Household Contents Insurance
Cover for everything inside your home — furniture, appliances, electronics, clothing, art, and personal possessions — in the event of theft, accidental damage, or loss from insured perils. We advise on correct replacement-value calculations so you’re never caught short.
Private Motor Vehicle Insurance
Comprehensive, third party fire and theft, or third party only cover for your car, bakkie, SUV, 4×4, or motorbike. For clients with multiple vehicles or high-value cars, we structure the right cover across each asset, including agreed value options where appropriate.
All-Risk & Portable Possessions
Cover for the things you carry — smartphones, laptops, tablets, cameras, jewellery, watches, sports equipment and other high-value items — anywhere in South Africa. Particularly important for professionals and frequent travellers whose most valuable items leave the home daily.
Personal Liability
Protection against legal liability if you or a member of your household accidentally cause bodily injury to a third party or damage to their property. A critical cover layer that’s often overlooked in personal portfolios.
High-Value & Collector Items
From fine art and wine collections to rare watches and jewellery, standard household policies rarely provide adequate cover for high-value collections. We work with specialist underwriters to ensure your prized possessions are protected correctly.
Optional Enhancements
Ask us about additional benefits including: home emergency assist, roadside assistance, motor credit shortfall cover, garden contents, solar and inverter cover, and domestic worker liability.
Why Choose O2 Brokers for Personal Cover?
Tailored, Not Templated
We assess your full personal risk profile — assets, lifestyle, dependants, travel habits — and design a portfolio that provides real protection, with excesses and premiums structured to suit your needs.
Proper Underinsurance Checks
One of the biggest personal insurance failures is underinsurance. We conduct proper reinstatement and replacement value assessments to ensure your sums insured are adequate before you ever need to claim.
Access to Competitive Insurers
We work with a panel of South Africa’s leading short-term insurers and can compare options to find the right balance of premium, cover, and claims service for your specific profile.
Cover That Grows With You
Life changes — you buy property, upgrade vehicles, travel more, grow your family. We review your cover as your life evolves to make sure there are no gaps or surprises.
Claims Advocacy When It Matters
When something goes wrong, we stand in your corner. We help you prepare your claim, communicate with the insurer, and fight for a fair and efficient settlement.
How It Works
