INSURANCE
Clarity With CareTM
INSURANCE
Clarity With CareTM
INSURANCE
Clarity With CareTM
Google Reviews
What is important to you? Polished testimonials from familiar logos and brand faces, or brutally honest verified reviews from real people across every walk of life?
We do not curate testimonials. Our clients do that for us, unfiltered and 100% verified. Google Reviews is South Africa’s largest trusted review base for non life insurance brokers - the full picture, warts and all, not a handpicked highlight reel.
One word. Proof.
Claim Stories
Over 100 five star reviews proves consistency in performance. We are very grateful for them.
But they do not tell you what happens when a pipe bursts at 2am and the policy wording gets… interesting. Or when your business faces a loss and suddenly there are twelve different interpretations of what “accidental damage” actually means.
This is when you find out whether your insurance partner can read the fine print, argue the grey areas and translate chaos into a settlement.
These claims stories show you how we do that.
The hippo bit the vehicle, lifted it about half a meter and shook it
Hannes Lochner spends his life in places where most insurance policies usually quietly void themselves. The Okavango. The Kalahari. Anywhere a Land Cruiser doubles as bedroom, darkroom and occasionally, as it turns out, a chew toy.
He was in Botswana when a hippo decided his truck looked chewable. One bite. The kind of moment where you are grateful for steel panels and suddenly very aware that “comprehensive cover” is a term that seldom gets tested in this way.
Read more
The hippo bit the vehicle, lifted it about half a meter, and shook it
Hannes Lochner spends his life in places where most insurance policies usually quietly void themselves. The Okavango. The Kalahari. Anywhere a Land Cruiser doubles as bedroom, darkroom and occasionally, as it turns out, a chew toy.
He was in Botswana when a hippo decided his truck looked chewable. One bite. The kind of moment where you are grateful for steel panels and suddenly very aware that “comprehensive cover” is a term that seldom gets tested in this way.
Read more
The feeling you always get is that Chadwicks are on your side
Craig Torr had a claim rejected. They said, see page 727, sub section 2A, clause 3, point 6 and referred to something fine that wasn't so fine. The fineprint. This is what insurers sometimes do first when they are unsure. Bless them. They say no nicely and on occasion, not so nicely, to see if you will go away.
And most people do. It is a surprisingly effective strategy. Most people don’t read their policies. And most people certainly don’t fancy their chances arguing insurance contract law with someone who signs their emails “Claims Assessor” and uses words like “regrettably.” They usually take the pain and move on.
Read more
The feeling you always get is that Chadwicks are on your side
Craig Torr had a claim rejected. They said, see page 727, sub section 2A, clause 3, point 6 and referred to something fine that wasn't so fine. The fineprint. This is what insurers sometimes do first when they are unsure. Bless them. They say no nicely and on occasion, not so nicely, to see if you will go away.
And most people do. It is a surprisingly effective strategy. Most people don’t read their policies. And most people certainly don’t fancy their chances arguing insurance contract law with someone who signs their emails “Claims Assessor” and uses words like “regrettably.” They usually take the pain and move on.
Read morePrevention is better than premium
Risk management is about preventing claims before they happen. Most people do not realize that multiple small claims damage insurability more than one large loss.
Frequent claims signal predictability to insurers. Premiums climb. Cover becomes harder to place. Your risk profile deteriorates after every paid claim.
We help you spot the risks you did not know you had, manage the ones you can control, self insure what you can absorb and insure the rest properly. The result: an attractive risk profile and maximum premium efficiency. Less risk. Lower premiums. Better insurability.
This approach has been our cornerstone for over 20 years.
INSURANCE Clarity. With care.
Prevention is better than premium
Risk management is about preventing claims before they happen. Most people do not realize that multiple small claims damage insurability more than one large loss.
Frequent claims signal predictability to insurers. Premiums climb. Cover becomes harder to place. Your risk profile deteriorates after every paid claim.
We help you spot the risks you did not know you had, manage the ones you can control, self insure what you can absorb and insure the rest properly. The result: an attractive risk profile and maximum premium efficiency. Less risk. Lower premiums. Better insurability.
This approach has been our cornerstone for over 20 years.
INSURANCE Clarity. With care.
When You Need Us Most
Insurance is not a zero sum game. It is risk pooling and transfer mechanism where both parties can win. Insurers win by pricing the risk sustainably and managing claims properly and clients win when claims are paid promptly and fairly. Insurance gets a bad name when either fails. And the most common perceived failure is claims.
This is why we see claims as our moment of truth. Too many financial service providers disappear when you need them most. We don’t. You get a person who knows your file, understands the policy and pushes the insurer when they need pushing. Fast. Clear. No runaround. The way insurance claims should be.
When You Need Us Most
Insurance is a zero sum game. Insurers must price the risk correctly to stay in business and clients claims must get paid promptly and fairly. That is a win-win. Insurance gets a bad name when either fails. And the most common failure is claims.
This is why we see claims as our moment of truth. Too many financial service providers disappear when you need them most. We don’t. You get a person who knows your file, understands the policy and pushes the insurer when they need pushing. Fast. Clear. No runaround. The way insurance claims should be.
LATEST INSIGHTS
This article was written by Tim Chadwick and published by Currency News on 26 November 2025 Real-time payments have supercharged South Africa’s fraud risk – and most businesses don’t have the proper internal procedures to protect themselves. Here’s how. We…
This article was written by Tim Chadwick and published by News24 on 30 November 2025 You may have missed this recent contribution to the annals of aviation absurdity. On 15 October 2025, a United Boeing 767 departed Washington Dulles for Italy. It…
This article was written by Tim Chadwick and published by Money Marketing on 29 October 2025 If the Maersk AMEX route closure on 01 October has caught you off guard, it is worth pausing to reflect on the broader logistics risk landscape. The…
This article was written by Tim Chadwick and published by Currency News on 26 November 2025 Real-time payments have supercharged South Africa’s fraud risk – and most businesses don’t have the proper internal procedures to protect themselves. Here’s how. We…
This article was written by Tim Chadwick and published by News24 on 30 November 2025 You may have missed this recent contribution to the annals of aviation absurdity. On 15 October 2025, a United Boeing 767 departed Washington Dulles for Italy. It…
This article was written by Tim Chadwick and published by Money Marketing on 29 October 2025 If the Maersk AMEX route closure on 01 October has caught you off guard, it is worth pausing to reflect on the broader logistics risk landscape. The…
We are passionate about constantly delivering INSURANCE Clarity With Care
The inconvenient truth about insurance decisions is that they are far more complicated than just an offer of a low premium. Every clients risk is different. We work tirelessly to ensure our clients consistently make the best insurance decisions about their risk. We built our business on fast, friendly and simple. In early 2026, we refined it: Clarity. With Care.
LATEST RISK LABS
This article was written by Tim Chadwick and an abridged version was published by News24 on 17 January 2026. The Day The World Went Quiet #cyberinsurance #riskmanagement The Blinking Lights Pieter van der Merwe, the IT guy at YeboYes, watched…
This article was written by Tim Chadwick and published by Cape Argus and IOL on 14 January 2026. Is Your Business Interruption Insurance A Lucky Packet? #BusinessInterruption The YeboYes Group manufacturing facility burnt to the ground on a Tuesday…
This article was written by Tim Chadwick and published by News24 and Estate Living on 16 December 2025 Fine Wine, Rockslides and the Fine Print. #highnetworthinsurance When it comes to insurance, you get what you pay for — so…
This article was written by Tim Chadwick and an abridged version was published by News24 on 17 January 2026. The Day The World Went Quiet #cyberinsurance #riskmanagement The Blinking Lights Pieter van der Merwe, the IT guy at YeboYes, watched…
This article was written by Tim Chadwick and published by Cape Argus and IOL on 14 January 2026. Is Your Business Interruption Insurance A Lucky Packet? #BusinessInterruption The YeboYes Group manufacturing facility burnt to the ground on a Tuesday…
This article was written by Tim Chadwick and published by News24 and Estate Living on 16 December 2025 Fine Wine, Rockslides and the Fine Print. #highnetworthinsurance When it comes to insurance, you get what you pay for — so…
Business Clients
Business Insurance covers the basics. Fire. Business Interruption. Theft. Liability. Motor. And more. The SA insurance market packages these common business risks into standard commercial policies. Neat bundles. Easy to sell. A commodity product.
Then there is marine cargo, construction, specialised liability, cyber and other specialised business risks. These fall outside the standard business insurance packed offerings, are extremely technical and yet, are often handled like commodity products.
The problem? You are not a commodity. Your Business and Specialised Insurance risks can never fit a template approach. They need solutions built around your unique exposures.
You need a professional risk advisor, who understands your operation. Someone who asks the right questions before quoting, not after a claim gets declined. Someone who knows how business insurance should work.
Try Chadwicks.
Private Clients
Personal Insurance in SA is offered in standard packaged solutions and high net worth solutions. Most people assume they have the right one. Most do not. Most have not checked in years. The real risk question goes beyond which category you fall into. It is whether your current cover matches what you own today.
Comprehensive standard personal insurance insures the essentials well: Home, Cars, Valuables. When your high valued assets outgrow those limits, high net worth solutions become essential. Either way, our approach does not change.
We do not sell policies. We advise on risk.
Standard or high net worth, we start by understanding your exposures, then quote with clarity and care. Our private client service is responsive, simple and personal.
Insurance built around your lifestyle. Insurance that works the way it should.
Try Chadwicks.
Your Insurance & The Value We Add
Every risk is different. We take care to understand yours - whether we are quoting, adjusting cover or renewing policies.
Here are some of the ways we add value:
Risk Analysis
A unique, in depth Risk Analysis that gives you and your insurer complete clarity on your risk, preventing claim complications.
Claims Management
The entire claims process, from appointing assessors to final settlement, is managed in house by dedicated staff who act decisively.
Policy Reviews
Client Service all year round, anchored by an Annual Market Review to keep your cover current and your premiums competitive across handpicked leading SA insurers.
Risk Management
Prevention is better than cure. We partner with you to help identify, mitigate and transfer insurable risk.
Regulatory Guidance
We monitor and guide you on new regulations and its specific impact on your insurance contract.
