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.™

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.™

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

The Review

You review your investments.
Your tax. Your will.Your insurance renews itself.
That is not a review.

Same policy.

Different house, different car, different life.

Your risk changed. Your cover probably did not.

Chadwicks. One conversation. No obligation.

Almost certainly a better outcome.

CUT RISK. NOT CORNERS.™

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

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.™

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.

Tim Chadwick
FOUNDER & CEO

We Removed The Pain

Craig Torr's claim was rejected.This is a true story.

The rejection relied on a specific clause.

We knew the wording, knew where to look and knew who to talk to.

We challenged their interpretation, clearly and professionally.

The claim was paid in full.

CUT RISK. NOT CORNERS.™

The Next Step

One conversation.
No obligation. Just clarity.

We are not for everyone. We are for people who take risk seriously. Who know the fine print is important. Who want professional advice, not a commodity. Who understand that trust without proof is not “lovely” - it is just hope.

Check My Risk

CUT RISK. NOT CORNERS.™

Getting Started

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




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