Fewer surprises, faster turnarounds
We don't just do quotes. We make an effort to actually know our clients and their businesses, which is what lets us move this fast without cutting corners.
- Home
- Vehicle
- Business
- Agriculture
- SASRIA (Riot Cover)
- Construction
- Homeowners' Association
Three portfolios, one place to manage them
Whichever portfolio fits your book, it's administered the same way: issued fast, changed fast, and settled by someone who already knows the file.
Suretimes Portfolio
Our flagship personal cover: one policy for your buildings, contents, vehicles and more, with room to add cover as your life gets more complicated.
- Buildings cover that already includes subsidence and landslip, accidental damage, tracing water leaks, and wild-animal damage, at no extra cost.
- Household contents extended the same way, plus higher cover automatically over the festive season and professional cleaning after a valid claim.
- All Risks cover for what you take out of the house: groceries in the car, sports equipment while you're using it, and a laptop's software and data, not just the box it came in.
- Comprehensive motor cover that pays to deliver your car home after repairs, and covers accessories that aren't standard to the vehicle.
- Optional legal cost cover, identity theft cover, and EnRoute personal accident cover with claims support for Road Accident Fund matters.
Sectional Title & HOA Cover
Cover built around how a body corporate or HOA actually runs, not a generic commercial policy stretched to fit a complex.
- Buildings cover at full replacement value, with automatic annual escalation so the sum insured keeps pace with rebuilding costs.
- Levy protection, so a unit owner falling behind doesn't leave the scheme out of pocket.
- Public liability, employers' liability, and directors' and trustees' indemnity, so the people running the scheme aren't personally exposed.
- Loss of rent and business interruption cover if the scheme can't operate as usual after a loss.
- The everyday things schemes often overlook: leak detection, geyser cover, garden and landscaping, locks and keys, and security services.
- Fidelity guarantee cover for scheme funds, plus cover for office contents and equipment.
Timeless Portfolio
For a bigger, more varied asset base than a standard policy is built for: homes, fine art, watercraft and a vehicle collection, under one portfolio.
- The Assets Out benefit covers what you take out of the house (jewellery, cameras, laptops, phones) without listing every item individually, and it follows you anywhere in the world.
- Specialist cover for fine art, antiques and collectibles, including cover while a piece is away being restored.
- Watercraft cover for a yacht, sail boat, speedboat or jet-ski, including liability if you collide with another boat or someone's hurt.
- Vehicle cover flexible enough for a vintage collection or a car that's laid up for months, right through to everyday cross-border use.
- A dedicated surveyor values and catalogues your contents up front, so there's no guesswork if you ever need to claim.
Cover details above are a guide to what's included. For the exact terms, limits and excesses that apply to you, get in touch and we'll talk you through a schedule.
Seven lines. One standard of speed.
Policy issuance
New policies issued within hours, not the multi-day wait brokers are used to elsewhere.
Policy modifications
Endorsements and changes turned around within minutes, handled by the underwriter who already knows the file.
Claim settlements
Settled within days, assessed individually rather than run through a one-size template.
SASRIA (riot cover)
Riot, public disorder and related SASRIA cover administered alongside the rest of the policy, not bolted on separately.
Homeowners' association insurance
Cover built around how HOAs actually operate, not a generic commercial policy stretched to fit.
Issued in hours. Changed in minutes. Settled in days.
That's the standard we hold ourselves to across every line above, not a marketing line, the actual operational target for issuing, amending and settling.
You get a direct line to the person working your file
We don't route you through a call centre. Instead you get the direct contact details of the underwriter handling your book, so you're speaking to someone who already knows the context, not explaining it again from the start.
See what this means for your book