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1. Motor Insurance - this product protects one's private or commercial vehicle against losses such as theft, hijacking, accident, fire, hail, malicious damage and third party liability, depending on the extent of cover taken. There are also options to enjoy a courtesy vehicle while the claim is being processed, this comes at an extra cost. Most insurers require an excess payment in the case of a claim, the amount is usually a smaller portion that the insurer chooses not to cover in order to prevent minor claims. The age of the driver, license issue date, license type, use of vehicle and vehicle value are usually the greatest determinants of the cost of this type of cover.

2. Motor Cycle Insurance - the events covered are similar to those of the motor vehicle.

3. Watercraft Insurance - the events covered are similar to those of the motor vehicle.

4. Aircraft Insurance - the events covered are similar to those of the motor vehicle.

5. Building Insurance - this type of product usually cover fire, hail, earth quake, geyser burst and subsidence. A client living in an area prone to subsidence or with dolomite must disclose this and pay extra cost to extend the cover to subsidence and landslip.

6. Contents Insurance - the contents cover includes things which are movable inside the house, this is a general cover for all contents but it excludes items like laptops, jewelry, cellphone, computer software, Kruger rands, guns and items with a certain value threshold, unless specified. All items whose individual value exceed R 1500 are usually required to be specified, and certain items such as cellphones and jewelry and bicycles always need to be specified even with a value less than R 1500.

7. Personal Effects and All Risks Insurance - items such as jewelry, hearing aids, laptops, cellphones, bicycles, golf clubs, quad bikes, guns and tablets etc. need to be specified all the time. And leather jackets exceeding R 1500 in their individual value usually need to be specified.

8. Trailer Insurance - trailers are covered separately from vehicles, but the insured individual is required to have a car under cover in order to insure a trailer.

9. Electronics Insurance - this cover is usually offered under contents, but you may need to purchase it as an extra for events such as power surge and accidental damage.

10. Software Insurance - this type of cover is tailored for specialists' software such as the programmer's software and the graphic designer's software etc., it must always be specified for cover to effect, it is never covered automatically.

11. Contractor's Liability Insurance - this cover is designed for construction companies to safe-guard the companies against the liability which may arise as a result of their site operation, the cover is linked to the value, location and duration of the contract.

12. Professional Indemnity Insurance - this product safe-guards a professional such as a medical doctor, pharmacist, optometrist, engineer or financial adviser against a liability that may result as an error in the practice. Regulatory bodies do not allow these professionals to practice without this kind of cover, because clients need to be protected.

13. Performance Guarantee/ Insurance - when obtaining a tender in construction industry, usually a performance guarantee is needed to safe-guard the contract issuer from poor performance, which may result in a catastrophic financial loss. Taking up this kind of insurance ensures that your assets are protected in the event where you may fail to perform well, leading to liability. Besides, you may not have assets to attach for guarantee, but with a minimal amount of premium the insurer may be willing to carry the risk for you, depending on the insurer's underwriting criteria.