Get a Quote – Reef Insurance

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

Buildings Cover Details

Property Details

Property address

Dwelling Type

Occupancy

Premises Type

Use / Premises Purpose

Roof Type

Is thatch/non-standard over 15% of roof?

Water bodies within 100m?

Are any alterations planned?

Security Details

Perimeter Wall (>1.8m)?

Armed Response Alarm?

Security Gates (external doors)?

Burglar Bars (all windows)?

Controlled Access Complex/Estate?

Security Guard (24hr)?

Electric Fence?

Financial & Coverage Details

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 yet?

If Other, please specify

Basic Excess (R)

Is there renewable energy equipment fitted to the building?

Does the installed renewable energy equipment have a back-up power supply battery?

Backup Power (generator/UPS)?

Additional Cover Options

Accidental Damage to Buildings?

Fixed Machinery Cover?

Geyser Explosion?

Keys, Locks, Remotes?

Power Surge?

Surge Arrester Installed?

Subsidence/Landslip?

Household Contents Cover Details

Property Details

Property address

Dwelling Type

Occupancy

Premises Type

Use / Premises Purpose

Security Details

Perimeter Wall (>1.8m)?

Armed Response Alarm?

Security Gates (external doors)?

Burglar Bars (all windows)?

Controlled Access Complex/Estate?

Security Guard (24hr)?

Electric Fence?

Coverage Details

What type of cover do you want?

Note: Limited cover includes cover for all insured events except theft, attempted theft or burglary.

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

Is there renewable energy equipment fitted to the building?

Does the installed renewable energy equipment have a back up power supply battery?

All-Risks Cover Details

Property that is normally carried or worn on a person’s body away from your home. You must keep all jewellery and watches valued at more than the amount stated in the Schedule in a securely locked wall- or floor-mounted safe when not in use.

Unspecified All Risks – Sum insured (R)

Specified All Risks

Please note the following items are not covered unless you insure them as specified all risks:

vehicle sound equipment
computers (as defined, except for its accessories)
any telecommunication devices such as cell phones (excluding accessories)
rare books, metals, unset precious stones, individual stamps or coins (including Kruger coins)
pedal-cycles
items kept in a safety deposit box

Please describe each item fully and attach an invoice or valuation certificate for each specified item, and include serial numbers (where applicable).

Category	Description	Serial no. (where applicable)	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.
4.
5.

Additional cover

List the items you would like covered, and select the applicable additional benefits that must apply to each item. Please specify the cover amount for each selected benefit.

Additional cover type options:
1. Electronic breakdown 2. Ensuring compatibility between your old and new computer 3. Reinstatement of data

Description of item	Serial number	Type	Sum insured (R)	Type	Sum insured (R)
		1		2
		1		2
		1		2
		1		2
		1		2
		1		2

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 cleaners, garden 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)

Death (choose benefit amount) (R)

Disability (may not exceed the death benefit amount) (R)

Medical benefit

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

Note: We do not cover vehicles that are not registered in South Africa, and which do not have a valid licence.

MOTOR VEHICLE 1

MOTOR VEHICLE INFORMATION

Registration number

Make and model

Year of manufacture

Engine number

VIN number

NATIS code

Motor vehicle colour

Has the motor vehicle been modified to alter its performance level?

Note: If Yes, the quote will be referred.

Is the motor vehicle financed?

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

Who is the registered owner of the motor vehicle?

If Other, what is the registered owner’s name and surname?

What type of cover do you want?

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

Aftermarket Accessories

If you want to insure any aftermarket accessories, then please provide a description and value for each item.

Description	Sum insured (R)

Additional Cover You Can Choose

Car hire (Available for Comprehensive cover and Third party, fire and theft cover)

How long do you want the car hire for?

What car hire group do you want?

Extension of liability of R1 000 000 (Available for Comprehensive cover and Third party, fire and theft cover)

Keys, locks and remote controls – increased cover of R20 000

Paying off your vehicle (Available for Comprehensive cover only)

4×4 cover (Available for Comprehensive cover only)

Tyre cover (Available for Comprehensive cover only)

Excess Options

Select your basic excess

Note: The basic excess becomes Nil when the policyholder is aged 55 or older, unless the policyholder opts to pay a voluntary excess.

You can reduce your premium by choosing a voluntary excess

Information About the Regular Driver

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

Name

Surname

Gender

ID/Passport number

Date of birth

Marital status

For how many years has the regular driver had uninterrupted comprehensive motor insurance?

Year driver’s licence was first issued (YYYY)

Licence type

Has the regular driver been convicted of reckless, negligent or drunken driving in the last 5 years?

Note: If the regular driver has been convicted of reckless, negligent or drunken driving in the last 5 years, then the quote will be declined.

Motorcycle Cover Details

All fields must be completed if cover is required for a motorcycle. If cover is required for golf carts, quad bikes, motorised lawnmowers or three-wheeled vehicles, then complete only the relevant fields.

MOTORCYCLE 1

MOTORCYCLE INFORMATION

Motorcycle category

Registration number

Note: We do not cover vehicles that are not registered in South Africa, and which do not have a valid licence.

Make and model

Year of manufacture

Engine number

VIN number

NATIS code

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

Has the motorcycle been modified to alter its performance level?

Note: If Yes, the quote will be referred.

Is the motorcycle financed?

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

Who is the registered owner of the motorcycle?

If other, what is the registered owner’s name and surname?

What type of cover do you want?

What do you use the motorcycle for?

Note: We don’t cover business or commercial use, which includes (but is not limited to) Ubers and other forms of transport carrying passengers for financial gain.

What is the address where the motorcycle is parked overnight?

Indicate where the motorcycle is parked at this address

Does the motorcycle have a tracking device which includes vehicle recovery?

If Yes, please select

MOTORCYCLE VALUE

(only applicable to Comprehensive and Third party, fire and theft cover)

Select the sum insured type

Please note: Agreed value applies if the retail value is no longer available.

a. If Agreed value is selected, then specify the value (R)

Note: A valuation certificate is needed for motorcycles insured at an Agreed value.

b. If Retail value plus was selected, then indicate the percentage (between -25% and +25%)

Mead and McGrouther code (vehicle source code)

Aftermarket Accessories

If you want to insure any aftermarket accessories, then please provide a description and value for each item.

Description	Sum insured (R)

ADDITIONAL COVER YOU CAN CHOOSE

Paying off your motorcycle (Available for Comprehensive cover only)

Keys, locks and remote controls – increased cover of R20 000

Excess options

The default basic excess is R3 000. However, when the policyholder is aged 55 or older, the basic excess becomes Nil, unless the policyholder opts to pay a voluntary excess.

You can reduce your premium by choosing a voluntary excess

INFORMATION ABOUT THE REGULAR DRIVER

Note: The regular driver is the person who rides the motorcycle most of the time

Name

Surname

Gender

ID/Passport number

Date of birth

Marital status

For how many years has the regular driver had uninterrupted comprehensive motorcycle insurance?

Year driver’s licence was first issued (YYYY)

Licence type

Has the regular driver been convicted of reckless, negligent or drunken driving in the last 5 years?

Note: If the regular driver has been convicted of reckless, negligent or drunken driving in the last 5 years, then the quote will be declined.

Caravan and Trailers Cover Details

CARAVAN/TRAILER 1

CARAVAN AND TRAILER INFORMATION

Caravan or trailer type

What type of cover do you want?

Agreed value (R)

You must give us proof of the value at the start of your cover and every year thereafter, to make sure we cover your caravan/trailer for its latest value. We will accept a valuation certificate from a new vehicle/caravan dealership, or your motor club, as proof of the latest value.

Registration number

Note: We do not cover vehicles that are not registered in South Africa, and which do not have a valid licence.

Make and model

Year of manufacture

VIN number

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

Indicate where the caravan/trailer is parked at this address

Is the caravan/trailer financed?

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

Who is the registered owner of the caravan/trailer?

If other, what is the registered owner’s name and surname?

Pleasure Craft Cover Details

Is the pleasure-craft used for private purposes?

Is the pleasure-craft financed?

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

Who is the registered owner of the pleasure-craft?

If other, what is the registered owner’s name and surname?

Type of pleasure-craft

Length of pleasure-craft

Does the pleasure-craft have a glitter finish?

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

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?

Enroute – Personal Accident Cover Details

Only available if you choose to insure a motor vehicle (excluding motorcycles, trailers and caravans)

Select sum insured

Number of passengers to be covered

Provide make and model of vehicle you would like cover on

Do you require RoadCover?

Your Details

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

Name & Surname / Contact Person *

Contact Number *

Email Address *

Physical Address

Where did you hear about Reef Insurance Brokers?

Personal Information

Title *

Initials

Surname *

Date of Birth *

ID Number

Passport Number

Address Details

Postal Address

Postal Code

Residential Address (Main)

Code

Residential Address (Other)

Code

Contact Details

Phone (Work)

Phone (Home)

Phone (Cell)

Employment & Status

Employment Status

Occupation

Are you under sequestration or curatorship?

Additional Information / Notes

What type of quote do you need?

What cover do you need?

Tell us about your covers

Buildings Cover Details

Property Details

Security Details

Financial & Coverage Details

Additional Cover Options

Household Contents Cover Details

Property Details

Security Details

Coverage Details

All-Risks Cover Details

Specified All Risks

Items kept in a safety deposit box or private vault

Personal Computers Cover Details

Additional cover

Personal Accident Cover Details

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

Motor Cover Details

MOTOR VEHICLE 1

MOTOR VEHICLE INFORMATION

Aftermarket Accessories

Additional Cover You Can Choose

Excess Options

Information About the Regular Driver

Motorcycle Cover Details

MOTORCYCLE 1

MOTORCYCLE INFORMATION

MOTORCYCLE VALUE

Aftermarket Accessories

ADDITIONAL COVER YOU CAN CHOOSE

Excess options

INFORMATION ABOUT THE REGULAR DRIVER

Caravan and Trailers Cover Details

CARAVAN/TRAILER 1

CARAVAN AND TRAILER INFORMATION

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

Enroute – Personal Accident Cover Details

Your Details

Business Details

Personal Information

Address Details

Contact Details

Employment & Status