No. Broker commission is built into the premium whether you use a broker or buy direct, so the price is the same. With a broker you also get advice, market comparison and claims support at no extra cost.

The most common problem is insuring your home or contents for less than it would cost to replace today. Building and replacement costs have risen sharply, so values set a few years ago are often too low. We check replacement values at every annual review.

Buildings cover insures the physical structure: walls, roof, fixed fittings and permanent improvements. Contents cover insures everything inside that you would take with you if you moved. Many homeowners need both, and renters usually need contents only.

Contents cover protects items inside the home. All-risk covers the things you carry out of the home, such as your phone, laptop and jewellery, which are most likely to be lost or stolen. The two work together.

Schemes change benefits and rules every year. As registered brokers we keep up with the changes, compare plans across schemes, and make sure your gap cover matches your medical aid so there are no holes when you claim.

You call your consultant, not a call centre. We have in-house mandates and processes that let us action most claims within 24 hours of receiving documentation, and a 24-hour assist line for emergencies.