Insurance cover types
Short-term insurance guides, organised around the risks you face.
Use the personal and commercial topic hubs to find the coverage questions that apply to your assets, operations and responsibilities. Availability through Best Care remains subject to verified authorisation, provider appointment, underwriting and policy wording.
In brief: These guides are educational. Start with the risk, understand common cover and limitations, then use the related guide or quote route to prepare the next conversation.
Personal topic hub
Protect what you own, use and take with you.
Motor, home, portable possessions, specialist assets and travel questions, organised into one personal-insurance path.
Commercial topic hub
Build protection around your operations.
Property, liability, professional, cyber, vehicles and transit questions for business decision-makers.
Personal insurance guides
Common personal cover questions.
Personal insurance / Motor
Car insurance that starts with the way you actually use your vehicle
A careful motor-insurance review considers more than a monthly premium. Best Care can help you prepare the facts an insurer or underwriting manager may need before a quote is considered.
Explore guidePersonal insurance / Home contents
Home contents cover for the things that make a house yours
A contents review begins with a realistic replacement-value inventory, not an estimate based on what you originally paid for an item.
Explore guidePersonal insurance / Buildings
Buildings insurance for the structure, fixtures and rebuild cost of your home
Whether you own a freehold home, sectional-title unit or rental property, the structure and the responsibilities around it need to be clearly understood before choosing cover.
Explore guidePersonal insurance / Motor
Third-Party, Fire and Theft Car Insurance Guide
This route should be weighed against the vehicle’s value, your ability to self-fund accident damage, and the policy’s excesses and security conditions.
Explore guidePersonal insurance / All risk
Portable Possessions and All-Risk Cover Guide
The key question is whether an item needs protection while it is away from the insured home. Home contents and all-risk cover can address different situations.
Explore guidePersonal insurance / Motor
Motorcycle Insurance Guide for South Africa
A motorcycle needs its own risk conversation. Do not assume a car policy automatically extends to a bike, accessories or riding equipment.
Explore guidePersonal insurance / Specialist assets
Caravan and Trailer Insurance Guide
A caravan or trailer can create separate asset and liability questions. It should not be assumed to have the same protection as the towing vehicle.
Explore guidePersonal insurance / Travel
Travel Insurance Guide for South African Travellers
Travel cover needs to match the destination and trip. Medical history, activities, cancellation reasons and departure dates can be important questions.
Explore guidePersonal insurance / Motor
Comprehensive Car Insurance Guide
Comprehensive car insurance may help with defined accidental damage to the insured vehicle, theft, fire and third-party liability, depending on the policy selected. Vehicle value, drivers, use, security, excesses and disclosure are important.
Explore guidePersonal insurance / Motor
Third-Party-Only Car Insurance Guide
Third-party-only car insurance may help address certain legal liability to other people or property arising from use of the insured vehicle, but it may not protect the insured vehicle itself. Limits, driver conditions, use and policy wording are critical.
Explore guidePersonal insurance / Liability
Personal Liability Insurance Guide
Personal liability insurance may address certain legal-liability claims against an individual or household for accidental injury or property damage to others, subject to the policy, limits, exclusions and circumstances. It may be included within some household policies or require separate consideration.
Explore guidePersonal insurance / Watercraft
Watercraft Insurance Guide
Watercraft insurance may help protect a declared boat, jet ski or other qualifying craft against selected accidental damage, theft, liability or transit risks. Craft type, use, storage, territory, safety equipment and operator experience can affect cover.
Explore guidePersonal insurance / Cyber
Personal Cyber Insurance Guide
Personal cyber insurance may address selected costs or support following an insured online event, such as identity theft, cyber extortion or certain fraud-related losses, depending on the policy. It does not replace safe online practices, bank protections or prompt reporting.
Explore guidePersonal insurance / Security
Kidnap and Ransom Insurance for Individuals
Kidnap and ransom insurance may address selected crisis-response, extortion or related exposures for individuals with a verified specialist need, subject to confidential underwriting, policy wording, legal constraints and exclusions. It is a sensitive specialist topic.
Explore guidePersonal insurance / Collections
Fine Art, Antiques and Collectables Insurance Guide
Collectors, households, galleries and owners of valuable artworks, antiques or collectable items. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideCommercial insurance guides
Business risks worth discussing early.
Business insurance / Core risk
Business insurance built around the risks that could interrupt your trading
A business policy should be organised around what could stop revenue, damage key assets or create a liability—not around a generic product menu.
Explore guideBusiness insurance / Property
Commercial Property Insurance Guide
Commercial property cover begins with a reliable asset and replacement-cost picture. It should be considered together with interruption, liability and continuity risks.
Explore guideBusiness insurance / Liability
Public Liability Insurance Guide
Liability cover is not a blanket promise to pay every third-party claim. The allegation, legal liability, insured event, exclusions and policy limit matter.
Explore guideBusiness insurance / Professional risk
Professional Indemnity Insurance Guide
This cover is often considered by businesses that provide advice, designs, specialist services or professional deliverables. It should be read alongside contractual obligations and quality controls.
Explore guideBusiness insurance / Cyber
Cyber Insurance Guide for South African Businesses
Cyber cover is one part of resilience. It should sit alongside practical controls, tested backups, response planning and supplier oversight.
Explore guideBusiness insurance / Motor
Commercial Vehicle and Fleet Insurance Guide
Business use changes the risk conversation. A commercial schedule should reflect who drives, where vehicles travel, how they are used and the value they support in operations.
Explore guideBusiness insurance / Transit
Goods-in-Transit Insurance Guide
Transport risk changes with custody, packaging, distance, security and who carries the legal risk at each point in the supply chain.
Explore guideBusiness insurance / Interruption
Business Interruption Insurance Guide
Business interruption insurance may help a business address selected financial consequences when an insured event disrupts trading. The trigger, gross-profit or revenue basis, waiting period, indemnity period and exclusions are all material.
Explore guideBusiness insurance / Liability
Products Liability Insurance Guide
Products liability insurance may help a business respond to certain third-party claims alleging injury or property damage caused by products it sells, supplies or distributes. The product, territory, contracts, policy wording, limits, exclusions and underwriting decision matter.
Explore guideBusiness insurance / Liability
Employers’ Liability Insurance Guide
Employers’ liability insurance may address certain allegations of injury, illness or loss connected to employment, subject to the policy, statutory context, employment arrangements and exclusions. It should not be assumed to replace occupational-injury obligations or other protections.
Explore guideBusiness insurance / Management liability
Directors and Officers Insurance Guide
Directors and officers insurance may help address certain claims alleging wrongful acts in the management of an organisation. It can involve directors, officers, governance decisions and defence costs, subject to policy wording, exclusions and underwriting.
Explore guideBusiness insurance / Crime
Commercial Crime Insurance Guide
Commercial crime insurance may help a business address certain direct financial losses arising from defined criminal acts such as theft, fraud or social engineering, where accepted by the policy. Controls, people, payment processes and exclusions matter.
Explore guideBusiness insurance / Crime
Fidelity Guarantee Insurance Guide
Fidelity guarantee insurance may help address certain direct losses caused by dishonest acts of employees, subject to policy definitions, discovery periods, limits, controls and exclusions. It is not a guarantee against every internal loss.
Explore guideBusiness insurance / Engineering
Machinery Breakdown Insurance Guide
Machinery breakdown insurance may help address sudden and unforeseen mechanical or electrical breakdown of specified plant or equipment, subject to inspection, maintenance, policy terms and exclusions. It should not be assumed to cover wear, gradual deterioration or every production loss.
Explore guideBusiness insurance / Construction
Contractors All Risk Insurance Guide
Contractors all risk insurance may address specified accidental loss or damage during a construction project, with possible liability sections where accepted. The contract value, works, site, parties, existing structures and project period are important.
Explore guideBusiness insurance / Equipment
Electronic Equipment Insurance Guide
Electronic equipment insurance may help protect specified business technology against defined accidental damage, theft or electrical events, subject to declared values, location, use, backups and policy exclusions. Data restoration and loss of income are separate questions.
Explore guideBusiness insurance / Marine
Marine and Cargo Insurance Guide
Marine and cargo insurance may address selected loss or damage to goods during sea, air, road or multimodal transport, depending on the agreed transit, terms, packing, route and policy wording. It should not be assumed to replace carrier liability.
Explore guideBusiness insurance / Industry
Hospitality Insurance Guide
Hospitality insurance may combine selected property, liability, interruption, guest-property, liquor-liability or equipment questions for hotels, lodges, venues or restaurants. The premises, guest activity, food service and events create different exposures.
Explore guideBusiness insurance / Industry
Professional Services Insurance Guide
Professional services insurance may address a combination of professional-indemnity, cyber, liability and office-risk questions for firms that advise, design, consult or deliver specialist services. Contracts, scope, client reliance and data use are important.
Explore guideBusiness insurance / Credit
Trade Credit Insurance Guide
Trade credit insurance may help a business manage certain non-payment risks arising from eligible trade debtors, subject to debtor assessment, credit limits, waiting periods, policy terms and exclusions. It is not a guarantee that every invoice is paid.
Explore guideBusiness insurance / Security
Kidnap and Ransom Insurance for Businesses
Kidnap and ransom insurance may address selected crisis-response, extortion or related exposures for organisations with a verified specialist need, subject to confidential underwriting, policy wording, legal considerations and exclusions. It is a sensitive specialist topic.
Explore guideBusiness insurance / Community schemes
Sectional Title and Community Schemes Insurance Guide
Bodies corporate, trustees, managing agents and community-scheme structures responsible for shared property. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Agriculture
Agricultural and Farm Insurance Guide
Commercial and small-scale farmers, farm owners and agricultural businesses with property and operational exposures. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Transport
Heavy Commercial Vehicle Insurance Guide
Businesses operating heavy vehicles to transport goods, passengers, equipment or materials commercially. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Marine
Stock Throughput Insurance Guide
Businesses that own, trade, manufacture, process, import, export or distribute goods through multiple supply-chain stages. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Marine
Marine Liability Insurance Guide
Vessel owners, operators, charterers, cargo handlers and marine businesses facing third-party maritime exposure. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Transport
Carriers’ Liability Insurance Guide
Transport businesses, logistics operators, hauliers and enterprises carrying customer goods for reward. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / People
Group Personal Accident Insurance Guide
Employers, associations, clubs and other groups seeking accident-related protection for eligible members. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Community schemes
Trustees’ Liability Insurance Guide
Trustees, committee members and governing bodies of community schemes and similar organisations. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Aviation
Drone Insurance Guide
Businesses and operators using drones for commercial, surveying, media, inspection, agricultural or similar activities. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Events
Events, Entertainment and Sports Insurance Guide
Event organisers, venues, promoters, sports bodies and entertainment businesses with event-related exposure. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideBusiness insurance / Products
Product Recall Insurance Guide
Manufacturers, importers, distributors and brand owners with product-safety and recall exposure. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
Explore guideGet help
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