Private Client Risk Score

I am sure your insurance people are lovely. But, does lovely know the policy?

Tim Chadwick

Twenty three years in the risk business. Reading the policies people never read. Take his five minute confidential check for private clients with complex personal assets.

Your insurance may look comprehensive.

That does not always mean it will respond as expected when a serious loss occurs.

We use five questions to help identify potential areas of exposure in your personal insurance, from replacement values and collectables to cyber risk, liability and other gaps that only reveal themselves at claim time.

You will receive an immediate high level assessment with practical risk advice.

Confidential. Free. Yours to keep, whether you use us or not.

Five questions Your policy should be able to answer.

1 in 3

South African homes are underinsured by up to 30%

70%

Policies we review with a critical cover gap the client will pay for at claim time

If you own collectables, high value vehicles, multiple properties or other significant personal assets, a standard personal insurance approach may not be enough.

Select the approximate total replacement value of all your personal assets. We will use this only to benchmark your assessment against the risks commonly faced by private clients. Your information is confidential and secure.

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Private Client Risk Score

Question 01 of 05 0 answered

A wider type of personal insurance cover exists for people who qualify. The benchmark is around R4 million in combined personal asset value. Are you aware of this?

A massive boulder rolls downhill and destroys three rooms of your luxury home. Your loss is R3.5 million. Are you covered?

Your house is in a family trust. The policy is in your own name. Does it pay?

A smart home controller malfunctions due to an accident while you are abroad, damaging your temperature controlled vintage red wine collection. Your loss is R2 million. Are you covered?

Your domestic worker leaves for the day and forgets to set the alarm. You are burgled that night. Does your policy pay?

Your son relocates to Johannesburg and takes the Fortuner with him. It is comprehensively covered. You never mentioned the move to your insurer. The car is hijacked. Does your policy pay?

Your attorney's email is hacked. The fraudster sends you new banking details for your deposit. You transfer R2 million before anyone notices. Does your personal policy cover it?

A power surge destroys valuable electronic equipment throughout your home, causing R1 million loss. Does your policy pay?

Your son has permission to use your car. The tracking device has not worked in months. He forgot to tell you. It is hijacked. Does your policy pay?

A fire destroys your fine art collection, including a Pierneef, built over twenty years. No professional insurance valuation was done. You claim R6 million, what you believe the collection is worth. Does the insurer pay that?