Insurance guidance, made personal

Personal Cover

Clear advice. Considered options. Cover built around what matters.

Explore your options

What to expect

Clear guidance from first conversation to review

Tell us what matters

Share your needs, priorities and concerns.

Speak to a specialist

We connect you with the appropriate Proserve team member.

Compare suitable options

Understand relevant benefits, costs, limits and exclusions.

Put cover in place

Complete the insurer or scheme application and underwriting process.

Review as life changes

Keep your information and cover aligned with changing needs.

Because everyone is unique

Personal cover that is specific as well as comprehensive.

Your home, vehicle, belongings, income and family are all part of the life you have worked hard to build. Proserve helps you understand the risks that matter to you and explore cover suited to your circumstances.

More than a policy

Why personal cover matters

Protect what you own

Help reduce the financial impact of theft, accidental damage and other insured events.

Protect your income

Plan for the effect that illness, disability or an unexpected loss of income could have.

Protect those you love

Put financial provision in place for the people who depend on you.

Find the right starting point

Explore your cover options

Select a category to understand what each type of cover is designed to address.

Personal Asset Insurance

Everyday protection for the valuable things that make your life work.

Home & contents

Cover household belongings against specified events such as theft, fire or accidental damage.

Building cover

Protect the structure of your home and permanent fixtures against insured damage.

Vehicle & bakkie

Choose cover for accidental damage, theft and third-party liability.

Portable possessions

Specify phones, laptops, cameras, jewellery and other items used away from home.

Lifestyle assets

Explore appropriate cover for bicycles, trailers, caravans, motorcycles and boats.

Discuss this cover →

Life & Financial Protection

Financial support when life does not go according to plan.

Life cover

A benefit intended to support your nominated beneficiaries if you pass away.

Income protection

Help replace a portion of your income when illness or injury prevents you from working.

Disability cover

Financial support following a qualifying permanent or temporary disability.

Severe illness cover

A lump-sum benefit for defined illnesses, subject to the policy terms.

Bond & education planning

Plan for home-loan commitments and future education costs.

Discuss this cover →

Investments & Retirement

Build towards your long-term goals with a plan that fits your life stage.

Unit trusts

Pool your investment with others across a professionally managed portfolio.

Tax-free savings

Save within the applicable tax-free investment limits.

Retirement annuities

Build retirement savings with a product designed for long-term investing.

Living & life annuities

Explore different ways of turning retirement savings into an income.

Provident & savings plans

Structure workplace or personal savings around future needs.

Discuss this cover →

Additional Cover Options

Optional benefits that can provide practical support or address specific vehicle-insurance shortfalls.

Excess waiver

May reduce or reimburse the excess you would normally need to pay after an approved claim, subject to the selected benefit’s limits and conditions.

Car hire

Provides access to a temporary replacement car after a qualifying insured event while your vehicle is being repaired, within the agreed rental period and limits.

LDV hire

A light delivery vehicle hire option for qualifying claims when you rely on a bakkie or similar vehicle for daily or business use.

Top-up cover

May help cover a defined shortfall between a comprehensive motor-insurance settlement and the outstanding finance amount after a qualifying total loss or theft.

Discuss this cover →

Cover, benefits, exclusions and premiums differ between insurers and products. All cover is subject to the insurer’s terms, conditions, limits and underwriting requirements.

Explore in more detail

Focused guides for each type of cover

Car insurance→Home & contents→Life cover→Income protection→Retirement & investments→

Not sure where to begin?

Let’s find the right cover for you

Tell us a little about what you need. A Proserve adviser will contact you to discuss suitable options—without the jargon.

Request advice Contact the team

A simple next step

Tell us what you’d like to protect

Complete this short form and an adviser will be in touch. This area represents your new Fluent Forms lead form in Elementor.

No obligation to proceed
Personal guidance from a real adviser
Your information handled in line with POPIA

Helpful answers

Frequently asked questions

How do I know how much cover I need?+

An adviser can review your assets, commitments, dependants and budget before helping you compare suitable options.

Can I combine different types of personal cover?+

Yes. Your cover can include several products, but each policy will have its own terms, limits and exclusions.

When should I review my cover?+

Review it after major life changes and at least annually to check that values and needs remain current.