Insurance Cover: DIY or Broker?
Craig shares with us why you should always consult a professional
By Craig Dingle (JHB Head Broker)
When it comes to protecting your most valuable assets, be it your home, your vehicle, or your business, working with a trusted insurance broker can make all the difference. Simply having an insurance policy isn’t always enough. The insurance landscape is complex, and a misstep could cost you significantly. That’s why a broker is more than just a middleman; they’re a trusted adviser who helps make informed decisions that align with your needs and goals.
Tailored Advice & Risk Assessment
Every client’s situation is different, and a one-size-fits-all policy typically won’t cut it. At TIB, we take the time to assess your risks, in your business or when it comes to personal assets, and recommend the right solution. We’re here to make sure you’re covered where it matters—without paying for things you don’t need.
Access to Multiple Insurers & Competitive Pricing
Unlike direct insurers who only offer their own products, we work with multiple providers. This means we can compare options, negotiate better premiums, and find a policy that gives you the best cover at the best price. You’re not stuck with a single company’s offering—we bring you choices, without the hassle of doing your own in-depth research.
Regulatory & Legal Expertise
South Africa’s insurance industry is highly regulated, and policies can be complex. We stay on top of these regulations, ensuring your policy meets all legal requirements and that your rights as a policyholder are protected.
Claims Assistance & Policy Management
One of the biggest advantages of working with us? When something goes wrong, you don’t have to deal with insurers alone. Whether it’s a car accident, damage to your business, or a crack in the wall at home, we step in to handle the claims process, cutting through the red tape and making sure you get what you’re owed.
The Risks of Doing It Alone
Many people believe that handling their own insurance means saving money. But from experience with my clients, I can tell you that’s often not the case.
Underinsurance: We see it all the time—clients who thought they had enough cover, but only to find out at claim stage that they don’t.
Unnecessary Expenses: Without expert advice, you could be paying for add-ons you don’t need—or missing out on essential cover.
Complicated Claims Processes: Ever tried dealing with an insurer when things go wrong? It’s time-consuming, frustrating, and full of administration. At TIB, we handle this for you.
Lack of Market Insight: Insurance isn’t static—new products and better deals come up all the time. If you’re not in the industry, you won’t know what’s out there. We do!
At the end of the day, our job is to protect your precious assets, not just sell you a policy. We work for you—not the insurer—and our goal is to make sure you have the right cover, at the right price, with the right support when it matters most.
Regular check-ins with your broker are just as important as having the right cover in the first place. An annual policy review ensures your cover still matches your needs, adapts to life changes, and keeps you from paying for unnecessary extras.
If you’re serious about safeguarding your financial future, let’s talk. We’re here to make sure you’re covered the right way!
Chat one-on-one with a TIB broker — call us on 033 342 3600.
