Personal Short-Term Insurance
When You Need Protection That Actually Protects
Your Car Is Totaled. Then This Happens.
This Is Why Cheap Insurance Is Expensive
South Africa's personal insurance market is obsessed with premium comparisons. Everyone's racing to be R200 cheaper per month.
What they don't tell you is what you're giving up: proper sums insured, comprehensive wording, realistic replacement values, and actual support when you claim.
Cheap insurance looks good until something goes wrong. Then it reveals its true cost.
The Math That Brokers Don't Show You
Over 5 years: R18,000 saved
Your "savings": R18,000
Net result: You're R67,000 worse off
This happens every single day. We see it constantly.
We are the right option.
We Start With Strong Products, Not Shortcuts
We deliberately place clients with top-tier insurers that have:
- Proven claims-paying ability and financial strength
- Comprehensive wording that actually covers real-world scenarios
- Realistic valuation methods (replacement, not depreciated market value)
- Products designed to protect your lifestyle, not just meet a premium target
We design your cover with claims in mind, not just premiums.
What Makes AS Brokers Different
A Full-Time, Dedicated Claims Specialist
Most brokerages handle claims as a side function. We have a dedicated claims specialist whose only job is managing client claims from notification to settlement. You're not "logged on a system"—you're represented.
An Underwriting Team, Not a Call Center
We don't outsource to call centers. Our team reviews your cover, checks accuracy, and proactively manages changes. When your life changes, your insurance changes with it.
Direct Advisor Involvement
You deal with experienced advisors who understand insurance at a technical level—not salespeople reading scripts. When something complex comes up, we know how to handle it.
Experience That Matters When It Counts
Personal insurance seems simple until something goes wrong. That's when experience makes the difference between a paid claim and a denied claim.
Between us, we've worked inside insurance companies, handled thousands of claims, seen policies interpreted correctly and incorrectly, and know exactly where the traps are. That experience is what we bring to your cover.
What We Cover
Comprehensive personal short-term insurance across all major asset classes:
Each policy is structured based on your actual situation—not a template. We check sums insured, confirm replacement values, and make sure the wording matches your needs.
What We Actually Do For You
Our role goes far beyond placing a policy and collecting commission:
Insurance is not a once-off decision. It's an ongoing risk-management process.
Claims Are Where Real Advice Shows
Anyone can sell you a policy. Very few can help you when you actually need to use it.
That's where our dedicated claims specialist, underwriting team, and decades of combined experience become invaluable. We know what insurers need, how to present claims properly, and when to push back on unfair assessments.
Good claims outcomes are rarely accidental. They're the result of proper structuring and experienced representation.
Who We Work Best With
We're positioned for clients who understand that insurance is more than a premium comparison:
Get Your Personal Insurance Reviewed Properly
If you want personal short-term insurance that's properly structured, professionally managed, and backed by decades of experience—let's talk.
We'll review your current cover, identify gaps or risks, and show you what proper insurance actually looks like.
Ready For Insurance That Actually Works?
If you're tired of dealing with call centers, worried your cover has gaps, or just want someone who knows what they're doing—get in touch.
Albert Schuurman & Johnny Farinha
AS Brokers | FSP 17273
32 and 15 years of short-term insurance experience respectively—including time inside insurance companies