INSURANCE

Clarity With CareTM

Get Clarity

INSURANCE

Clarity With CareTM

Get Clarity

INSURANCE

Clarity With CareTM

Get Clarity

INSURANCE CLARITY.
WITH CARE.™

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.

About Us

INSURANCE CLARITY.
WITH CARE.™

Your insurance people are probably lovely.Lovely does not know the policy.

Lovely is not the problem.

Lovely does not call you back on Christmas Day when the geyser bursts and water pours through your freshly painted ceiling. Lovely does not know rockslide is not an insured event until the boulders decorate your lounge. Lovely does not push back when the insurer offers to pay half of what you lost.

Lovely focuses on the cheapest price. We focus on the risk.

Lovely does volume. We do you. Exclusively.

We do not aim to be lovely. We aim to study every policy line so you never have to.

The question is not whether you trust your broker of many years. It is whether that trust has ever been tested. Do not wait for a claim to find out.

CUT RISK. NOT CORNERS.™

This is what you paid for

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
Wildlife Photographer

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

A South African vehicle. A Botswanan hippo. The sort of cross border incident that makes insurers have a look at your motor policy exclusions. Very closely.

Except Hannes rang us. We had already thought about this type of scenario. Unsurprisingly, not this hippo’s moment of madness specifically, but the “what happens when your work vehicle operates in territories where the wildlife has right of way” question.

Chadwicks sorted it. Fast. Without a dissertation on jurisdictional complexity or a three month wait while someone decides whether a hippo constitutes an “act of God” or “malicious damage by third party.”

Watch Hannes explain what happened. It is a far better story than we could tell.

Insurance clarity. With care. In action.

"The feeling you always get is that Chadwicks are on your side"
Craig Torr
CEO - Crue Invest

Craig Torr had a claim rejected. They said, see page 117, 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

Craig rang us instead. Which was a good move, given we had already read his policy. Several times. Including the boring bits.

We looked at the rejection. Then we looked at the policy. Then we had a conversation with the insurer that was diplomatic, but clear about what the policy actually said versus what they were failing to see or did not want to see (take your pick).

Claim paid. Problem solved.

This is not heroic. It is the job. But it seems reading your client’s policy and then insisting the insurer honours it, qualifies as a rare insurance event these days.

Rare enough that Craig wanted to say something about it. Watch him explain what happened when a Chadwicks risk advisor stepped in when his claim turned ugly.

Insurance clarity. With care. In action.

Get Clarity

Google Reviews

★ ★ ★ ★ ★

Proof.Not promises.

Google Reviews is an essential tool when considering your insurances objectively. You hear from all our clients, not just the good ones we pick for you.

With more Google Reviews than most Non Life Insurance Brokers in South Africa, you are not making a decision based on a sample size of five.

I was unfortunate enough to have my car stolen. The insurer was initially prepared to pay for the vehicle contents, but not for the car itself. I still owed money on the instalment sale, making this a devastating and potentially crippling outcome.

I was very fortunate to have Mantana and her team at Chadwicks on my side. The eventual outcome saw me getting a full payout from the insurer. I honestly do not think I would have stood a chance if I were dealing directly with the insurer. That is why I recommend Chadwicks.

Richard Beer
GOOGLE REVIEW

Cut Risk. Not Corners.™

Prevention is better than premium.

Risk management is about preventing claims before they happen. Most people do not realise 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.

Before You Insure

We Take The Pain Away

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, when it comes time to claim, you will know you made the right insurance decision. 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. Responsive. Clear. No runaround. The way insurance claims should be.

Make a Claim

Published. Not Advertised.

Presence Earned. Not Bought.

Anyone can buy a media mention. Fewer can earn one.

Our media presence is predominantly earned. Independent editors at South Africa's leading publications have chosen to publish our thinking on risk and insurance, not because we paid for the space, but because the thinking merited it.

Articles by Tim Chadwick, written for people who want to make better insurance decisions.

News24 · IOL · Cape Argus · Estate Living · Currency News · Business Brief

The Person Behind Clarity With Care.

"I started Chadwicks because I had spent too many years watching people find out their insurance didn't work."

Twenty two years later the mission is the same.

Read the policy. Find the gaps. Fix them before the claim.

Be there when you need us.

CLARITY. WITH CARE.™

Tim Chadwick
FOUNDER & CEO

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.

home-business

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.

Business Insurance

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.

home-personal

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.

Personal Insurance

How We Work

We are not your insurers broker.We are yours.

0 1
We start with your "What Ifs".
Every client has them. The risks that keep them up at night. Some are insurable. Some are not. Knowing the difference is where we begin. Then we add ours. What if a boulder comes crashing down the mountain? What if your boundary wall collapses onto your neighbour's car? What if your pool overflows and damages someone else's property? The "What Ifs" you have not thought of are often the most expensive.
0 2
Your specifics. Under the microscope.
What you own, what it is insured for and whether the numbers are correct. Then we go straight to the exclusions that could cost you, not the generic ones. The ones specific to how you live and what you own.
0 3
We find the gaps.
Cover that exists but was never discussed, explained or offered. Cover you are paying for that does not match your risk. Our job is to turn the right NO's into YES'es and the wrong YES'es into NO's.
0 4
We take the pain away.
Claims are stressful. We handle them. With care. Quality before speed. A fast, poor settlement helps nobody. We push hard for what you are owed, hold insurers to account and if a claim is disputed, we leave no stone unturned. Our primary duty is always to you.
0
Years
Independent
0
Annual Premium
Managed
★ ★ ★ ★ ★
More Google Reviews Than
Most SA Brokers

Human First. Technology Second.

AI Is Blind. We Are Not.

People with complex risk profiles have usually outgrown their insurance people long before they realise it. The portfolio grew. Their provider did not.

AI does not solve that problem. Expertise does. But AI in the hands of the right people accelerates expertise in ways that were simply not possible a few years ago.

Faster research. Better answers. Risks identified before they become claims. That is the version of AI we are practising at Chadwicks.

What AI never touches is you. Your name, your assets, your policy. Your private information stays between you and us. Strictly.

And before anything AI produces reaches you, a Chadwicks human reads it, checks it and owns it. If it does not meet our standard, it does not leave the building.

What AI cannot do, is know you. Your circumstances change. Your assets change. Your risk changes. AI is blind to all of it. We are not. We use AI to see your risk more clearly. The judgement is entirely human.

CUT RISK. NOT CORNERS.™

You Are Exclusive

Boutique insurance.Not commodity insurance.

We give you what you need, not necessarily what you want. It is a blunt statement, but it sets the course clearly and honestly.

Chadwicks is not for everyone. We work best with discerning clients who want a specialist who understands risk and insurance better than they do and who rely on that expertise to make well informed decisions.

If you are looking for someone to follow instructions, get cheap quotes and ignore your claims history, we are probably not a good fit.

If you want a brokerage that knows more about insurance than you do and who uses that judgement to help you structure your cover properly, you will feel right at home here.

CUT RISK. NOT CORNERS.™

Hold Us To This

You Have Our Word. Test Us.

You have not spent a lifetime building what you have to discover, in your worst moment, that your insurance person never read or understood your policy.

We do. Without exception.

What we do not do, is work with everyone. We work with clients who expect their insurance people to know more than they do and to apply that knowledge solely in their interest.

Only a human understands a human. Technology makes our team better at doing that, understanding your risk completely, before we think about insurance.

We are human first, technology second. Just as we are risk first, insurance second. People with character. Relationships above transactions. Boutique insurance, not commodity insurance.

Most of your untested risk lives below the surface. Risk readiness must be tested before a claim, not during one. Test us anytime. We welcome it.

22 YEARS. SAME PROMISE.  CUT RISK. NOT CORNERS.™

Get Clarity

Don't Cut Corners

We fired a client. Once.

He wanted us to cut corners on his cover to save R500 a month.

He wanted to remove fire from his fire policy. We explained exactly what he was walking into. He was not interested.

So we resigned. Politely and professionally. In writing.

Three years later he called us back. We do not need to tell you why.

We are not the right broker for everyone. We are the right broker for people who have worked too hard to gamble on the details.

CUT RISK. NOT CORNERS.™