AS Brokers — Short-Term Insurance

Personal Short-Term Insurance

When You Need Protection That Actually Protects

Cheap insurance looks good until something goes wrong. We structure cover with claims in mind — not just premiums.

Home & Contents Motor Vehicles Valuables & Portables Liability & Travel

Your Car Is Totaled. Then This Happens.

You're rear-ended on the highway. Your car is written off. You've been paying premiums for eight years without a single claim.

You call your insurer. They offer you R180,000. Your car's retail replacement value is R320,000. The assessor found reasons to depreciate everything: mileage, wear, "market value adjustments."

You argue. They cite the policy wording. You're stuck with a R140,000 shortfall because your broker sold you "market value" cover instead of "replacement value" to save you R150/month.

You saved R14,400 over eight years. It just cost you R140,000.

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

Scenario: You switch to save R300/month on your home and car insurance.

Annual savings: R3,600

Over 5 years: R18,000 saved

Then your home gets burgled. Your new insurer finds underinsurance (you said contents were worth R400k, they're actually worth R600k). They apply average and only pay 66% of your claim.

Your loss: R85,000 in unrecovered goods

Your "savings": R18,000

Net result: You're R67,000 worse off

This happens every single day. We see it constantly.

We are not the cheapest option.

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.

Albert Schuurman

Years in short-term insurance

Johnny Farinha

Years in the industry

47 Years Combined Experience

Service isn't a slogan.

It's a structure.

What We Cover

Comprehensive personal short-term insurance across all major asset classes:

→ Home Buildings & Contents

→ Motor Vehicles (Private & Commercial)

→ Household Goods & Personal Effects

→ All Risk Cover (Portable Items)

→ Watercraft & Leisure Equipment

→ Valuable Items (Jewelry, Electronics)

→ Personal Liability

→ Travel Insurance

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:

→Structure cover correctly from day one — proper sums insured, correct wording, realistic valuations

→Manage mid-term changes as your life evolves — new car, renovations, valuables purchased

→Conduct proactive annual reviews to check for underinsurance or gaps

→Handle claims from notification to settlement — with a dedicated specialist

→Engage insurers professionally when disputes arise

→Provide technical advice on policy wording, exclusions, and conditions

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:

→People who own significant assets (home, vehicles, valuables)

→Clients who've been burned by cheap insurance before

→Professionals who value their time and want someone managing this properly

→Anyone who understands that peace of mind has value

→Clients who want representation, not just policy documents

We're probably not right for you if: Your only consideration is finding the absolute cheapest premium, you switch brokers every year to save R150/month, or you believe "insurance is insurance" and it's all the same.

One conversation can save years of frustration.

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.

Fill Out The Form Below

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.

Specialists in personal short-term insurance and claims management