Personal Insurance Product

Tshianeo has designed a range of well-established products to suit your needs.

These products are tried and tested and are arguably amongst the best and most comprehensive ranges of personal insurance offerings in the market today.

By Preference

This enhanced blue-chip Household and Motor Insurance product, underwritten by Santam, has been packaged into a unique policy in recognition of individual achievements, lifestyle trends and personal needs. By Preference caters for the needs of individuals with significant and often complicated asset bases, managing the most complex of personal portfolios. This product offers one of the widest insurance covers and highest limits in the market to ensure your valuable assets are adequately protected.

  • Full accidental damage in respect of buildings cover
  • Personal liability up to R1 million in respect of building operations
  • Business goods and equipment covered at home up to R 100 000 at your private residence
  • Car hire included following total loss
  • Personal Assets cover included worldwide on an All Risks basis up to 30% of contents sum insured if selected

By Preference

This enhanced blue-chip Household and Motor Insurance product, underwritten by Santam, has been packaged into a unique policy in recognition of individual achievements, lifestyle trends and personal needs. By Preference caters for the needs of individuals with significant and often complicated asset bases, managing the most complex of personal portfolios. This product offers one of the widest insurance covers and highest limits in the market to ensure your valuable assets are adequately protected.

  • Full accidental damage in respect of buildings cover
  • Personal liability up to R1 million in respect of building operations
  • Business goods and equipment covered at home up to R 100 000 at your private residence
  • Car hire included following total loss
  • Personal Assets cover included worldwide on an All Risks basis up to 30% of contents sum insured if selected
By Design

Underwritten by Santam, By Design> offers you the best insurance protection for your Household and Motor with a combination of unequalled cover, service and price. By Design offers affordable deductibles, car hire, accidental damage on buildings and contents and the ability to cover business goods at home in addition to normal personal insurance protection.

  • Affordable deductibles- basic motor excess from R 3000
  • Car hire included following total loss
  • Accidental damage up to R 25 000 on house contents
  • Business goods covered at home up to R 30 000
Auto and General

A direct solution backed by Tshianeo and underwritten by Auto & General, Tshianeo Direct offers buildings, contents, all risks and motor cover with a one-year premium guarantee and the option of a cash-back bonus

Unisure

Unisure, underwritten by Mutual and Federal is a personal insurance policy that caters for unexpected events and can be customised to meet your individual requirements. Unisure offers you the convenience of covering just about all of your assets with one comprehensive policy.

Discovery Insure

Tshianeo proudly brings you Discovery Insure, comprehensive Household and Motor Insurance that caters for the needs of different insurance requirements through their Essential, Classic and Executive Plans.

Great reasons to join Discovery Insure

  1. Comprehensive cover for your car and home
    Comprehensive car and home insurance with no excess on theft, hail, hijacking and malicious damage.
  2. Great rewards for driving well
    Rewards for driving well like up to R800 back on your BP fuel and Gautrain spend each month with regular feedback to help you improve.
  3. Access to the latest global driving technology
    The latest in global technology to become a better, safer driver with DQ-Track.
  4. Help when you need it most
    Immediate medical assistance in an accident, and home security services after a burglary.
  5. Fantastic rewards for young drivers
    Support for 18- to 25-year-old drivers with 25% of their premiums back and fuel rewards for driving well.

18-25 year old drivers qualify for 25% of their vehicle premiums back in addition to fuel rewards for driving well

Auto By Design

A motor only policy underwritten by Santam which allows for lifestyle add-ons such as All Risks (e.g. mobile phones and laptops) as well as Personal Liability. Together with R10,000 free personal accident cover, this policy is ideal for a first time insurance buyer.

En-Route In-Car Insurance

In view of the changes in legislation of the Road Accident Fund limiting claims to a maximum pay out of R160 000, this product has been specifically designed to provide cover to the driver and occupants of an insured vehicle in the event of an accident.

The Pinion range of products, exclusive to Investec Private Bank Clients

Tshianeo is an approved broking partner for Homeowners Insurance and has designed one of the most comprehensive products available in the market to cater for the needs of Investec Bond ClientsPinion Classic and Pinion Private cater for personal assets including Home Contents, All Risks, Vehicles, Pleasure-craft, Personal Accident, Liability, Petsure and Equestrian.

Access to the insurance market to ensure you have the right cover at the right price. Some cover benefits include:

  • Waiver of the average condition on building cover – Investec negotiated with Tshianeo and the insurer that Investec bonded buildings will never be subject to under insurance, leaving you and the bank exposed
  • Pre-qualified products – Tshianeo products and process have been pre-approved to meet our risk management requirements
  • Assets all risk cover – A portion of the household contents sum insured extends to all risk cover. It is very convenient as you no longer need to specify personal belongings like cell phones, tablets, jewellery etc anymore.
  • Cover automatically extends to accidental damage
  • A preferential alarm warranty subject to an excess rather than cover exclusion.
Specialty Products

Other specialty insurance products include:

  • Fine Art & Antiques [+]
  • Thatch
  • Classic cars [+]
  • Rolls Royce
  • Bentley [+]
  • Harley Davidson [+]
  • Motorcycles
  • All-terrain vehicles
  • Pleasure-craft
  • Travel
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