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Quote Type

Select Cover

Cover Details

Your Details

What type of quote do you need?

Choose one to get started

🏠

Personal Lines

For individuals and families: home, contents, vehicles, personal accident etc.

🏢

Commercial Lines

For businesses: property, liability, business interruption, professional indemnity etc.

What cover do you need?

Select all that apply

Tell us about your covers

Provide details for each selected cover

Home Insurance Details

Property Details

Residential address

Postal code

Dwelling type

What type of roof does the building have?

Type of wall construction

Is there any structure with a thatched roof or roof of non-standard construction on your premises?

Security

What type of perimeter wall does the premises have?

Is there a 24-hour armed-response service linked alarm installed?

Are there security gates on all the external doors, including sliding doors?

Are there burglar bars on all the opening windows?

Is there a 24-hour security guard at the address?

Is there an electric fence covering all the perimeter walls of the premises?

Buildings

What is the current reinstatement value of the building (including professional fees and demolition costs)? (R)

Are you the owner of this premises, or with which bank is your home loan if it is not paid off?

Is there renewable energy equipment fitted to the building?

Household Contents Cover Details

What type of cover do you want?

Household contents sum insured (this must be based on new replacement costs) (R)

Please provide the property and security details for the address where your contents are kept.

Property Details

Residential address

Postal code

Dwelling type

What type of roof does the building have?

Type of wall construction

Is there any structure with a thatched roof or roof of non-standard construction on your premises?

Security

What type of perimeter wall does the premises have?

Is there a 24-hour armed-response service linked alarm installed?

Are there security gates on all the external doors, including sliding doors?

Are there burglar bars on all the opening windows?

Is there a 24-hour security guard at the address?

Is there an electric fence covering all the perimeter walls of the premises?

All Risks Cover Details

Unspecified All Risks

Clothing and personal effects that are either worn or carried with you, or which often leave your home. These tend to be low-value items such as pens, make-up and handbags.

Unspecified property also includes sports equipment (except pedal cycles) and groceries.

Unspecified All Risks â€“ Sum insured (R)

Specified Items

Please describe each specified item fully and attach an invoice or valuation certificate where applicable.

Category	Description / Serial	Value (R)

Items kept in a safety deposit box or private vault

Please list all items that are permanently kept in a safety deposit box in a bank or private vault (this applies to any specified and unspecified all risk items, as well as any household content items.)

Description	Sum insured (R)

Personal Computers Cover Details

Cover for your computer, laptop or tablet, as well as any associated accessories for example a monitor, keyboard, mouse, carrying case or printer. It includes any software supplied by the manufacturer as part of the computer, and any programs or software for which you have a legal licence, provided your sum insured is sufficient.

#	Description of item including make and model	Serial number	Sum insured (R)
1.
2.
3.

Personal Accident Cover Details

Do you want personal accident cover for yourself?

Please provide the details of any other person you would like to add for personal accident cover. This cover is only available to You, your partner, your children or members of your immediate family, who permanently live with you and/or who are financially dependent on you. An insured person also includes people employed by you at your home, such as cleaning staff, nannies, au pairs, drivers and gardeners. Insured persons must be set out and named in your policy schedule.

Name and surname	Identity number	Relationship to you

Benefits required (same benefit amounts apply to all persons to be insured)

Age limit: An insured person must be six months or older, but not older than 80 years at the date of an accident.

Death (choose benefit amount) â€“ Max R2 000 000 (R)

Disability â€“ Max R2 000 000 (may not exceed the death benefit amount) (R)

Medical benefit â€“ Max R2 000 000 (R)

Do you want to nominate a beneficiary to receive the death benefit in the event of your death?

If YES, provide name and contact details

Motor Cover Details

MOTOR VEHICLE 1

Registration number

Type of cover required

Make and model

Year of manufacture

Engine number

VIN number

Is the motor vehicle financed?

If YES, what is the name of the financial institution?

Who is the registered owner of the motor vehicle?

What do you use the motor vehicle for on a daily basis?

Aftermarket Accessories â€“ Motor Vehicle 1

Description	Sum insured (R)

Additional Cover You Can Choose ?

Paying off your vehicle (Available for Comprehensive cover only)

4x4 cover (Available for Comprehensive cover only)

Tyre cover (Available for Comprehensive cover only)

Regular Driver Information

The regular driver is the person who drives the motor vehicle most of the time.

Same as policy holder

Tick this if you are the regular driver. You only need to fill in the highlighted fields below if the driver is a different person.

Name

Surname

Gender

ID/Passport number

Marital status

Licence type

Motorcycle Cover Details

MOTORCYCLE 1

Motorcycle category

Registration number

Type of cover required

Make and model

Year of manufacture

Engine number

VIN number

Is the capacity of the motorcycle more than 1 850CC?

Is the motorcycle financed?

If YES, what is the name of the financial institution?

Who is the registered owner of the motorcycle?

What is the address where the motorcycle is parked overnight?

Motorcycle Value

Motorcycle value (R)

Additional Cover You Can Choose

Paying off your motorcycle (Available for Comprehensive cover only)

Keys, locks and remote controls

Caravan and Trailer Cover Details

CARAVAN/TRAILER 1

Caravan or trailer type

What type of cover do you want?

Agreed value (R)

Registration number

Make and model

Year of manufacture

VIN number

What is the address where the caravan/trailer is parked overnight?

Is the caravan/trailer financed?

If YES, what is the name of the financial institution?

Pleasure Craft Cover Details

Is the pleasure-craft used for private purposes?

Is the pleasure-craft financed?

Who is the registered owner of the pleasure-craft?

Type of pleasure-craft

Length of pleasure-craft

Where is the pleasure-craft normally kept?

Address where the pleasure-craft is kept?

Hull make and model

Hull year of manufacture

Hull registration/serial number

Hull sum insured (R)

Material of hull

MOTORS, SAILS AND ACCESSORIES

For motors, please provide the following details:

Type	Make	Year of manufacture	Serial number	Horsepower	Sum insured (R)

For sails and accessories, please provide the following details:

Type	Description	Serial number (if relevant)	Sum insured (R)

Cyber Insurance Cover Details

There are five options available and your choice is shown in your policy schedule:

Mega cover: You are only covered for Theft of funds.
Giga cover: You are only covered for Theft of funds, Identity theft, Data restoration and Malware decontamination, Cyberbullying, Cyber stalking, Cyber extortion, and Online shopping.
Tera cover: You are covered only for Theft of funds, Identity theft, Data restoration and Malware decontamination, Cyberbullying and Cyber stalking, Cyber extortion, and Online shopping.
Peta cover: You are only covered for Theft of funds, Identity theft, Data restoration and malware decontamination, Cyberbullying, Cyber stalking, Cyber extortion, Online shopping and Express Kidnapping.
Exa cover: You are covered for all the benefits explained in this cover section.

Select your cover option

Do you want to include cover for your partner?

Do you want to include cover for your children?

Legal Costs Cover Details

Note: The cause for the legal action must have happened after 90 days from when the cover started.

Do you require this cover of R100 000?

Your Details

We'll use this information to contact you with your quotation

Contact Person *

Contact Number *

Email Address *

Physical Address

Where did you hear about Reef Insurance Brokers?

💬 YOUR INSURANCE RISK SCORE

Do you give Reef Insurance permission to check your insurance risk score? *

If YES, we may do this check every year when your policy renews, every time the cover on your policy changes and also when you claim. The reason we check your insurance risk score with credit agencies, is to accurately price your policy and assess our risk. It is not the same score as a credit score which a lender would typically be interested in, and checking your insurance risk score will not affect your credit score.

CLAIM HISTORY *

I give permission for Reef Insurance to check my claims history. I understand this may be used to accurately assess my risk and price my policy.

Additional Information / Notes

Reef Insurance BROKERS – In Safe Hands

Get Your Custom Insurance Quote Today!

Get a Quote

Get a Quote

What type of quote do you need?

What cover do you need?

Tell us about your covers

Home Insurance Details

Property Details

Security

Buildings

Household Contents Cover Details

Property Details

Security

All Risks Cover Details

Unspecified All Risks

Specified Items

Items kept in a safety deposit box or private vault

Personal Computers Cover Details

Personal Accident Cover Details

Benefits required (same benefit amounts apply to all persons to be insured)

Motor Cover Details

MOTOR VEHICLE 1

Aftermarket Accessories â€“ Motor Vehicle 1

Additional Cover You Can Choose ?

Regular Driver Information

Motorcycle Cover Details

MOTORCYCLE 1

Motorcycle Value

Additional Cover You Can Choose

Caravan and Trailer Cover Details

CARAVAN/TRAILER 1

Pleasure Craft Cover Details

MOTORS, SAILS AND ACCESSORIES

For motors, please provide the following details:

For sails and accessories, please provide the following details:

Cyber Insurance Cover Details

Legal Costs Cover Details

Your Details

Business Details

💬 YOUR INSURANCE RISK SCORE

CLAIM HISTORY *

Get Your Custom Insurance Quote Today!