that drives success
Quality Client Support
We offer our clients great support. We do our best to explain different policies in detail to ensure that the client makes an informed decision. Our goal is to always help you.
Guaranteed Lower Premiums
We will always try to give our clients a better premium then they had before. We know life gets expensive, but your premium does not have to be.
Quick Turnaround Times
Time is money and no one knows this better than us. We always strive to provide the best service possible.
Protect What Matters
Today with Smart
Short-Term Cover
We believe in the power of personal sevice. Whether you connect with us over the phone, online, or face-to-face, our team is committed to delivering service of the highest standard. As our client, you'll experience the attention to detail and care that only a dedicated advisory and supoort team can provide. Flexibility is at the heart of what we do, both in the wide range of short-term insurance and financial solutions we offer, and in how we build lasting relationships with our clients.
What is insured under
Personal Cover exactly?
Insurance
Domestic insurance covers your home, belongings, and vehicle.
Buildings & Home Cover: protection for your house, garage, pool, and outbuildings against damage from storms, fire, and more.
Household Insurance: cover for movable items such as appliances, furniture, clothing, and electronics.
Motor Vehicle Insurance: cover for your car for theft, accidents, damage, and third-party claims.
All-Risk Insurance: cover for valuable items you carry with you - phones, jewelry, cameras - against loss, damage, or theft.
Extra cover is available to suit your needs.
Insurance
We understand that building and maintaining a business is hard work and involves risk. We offer a wide range of cover to help ensure that you and your business are protected if something happens.
Buildings cover
Office contents cover
Business cover
Personal accident cover
Employee theft cover
Fire cover
Accidental damage cover
Vehicle cover
Public liability cover
Business interruption cover
Insurance
Thatch Risk Insurance provides cover for homes with thatched roofs.
A thatched roof is built using dry natural fibers to form the roof covering. Because thatch is more vulnerable to fire, this roof type carries additional risk.
Specific safety and compliance criteria must be met to qualify for this cover.
Indemnity Insurance
Professional Indemnity Insurance protects professionals - lawyers, architects, consultants - against financial loss arising from legal liability to a third party.
If you provide advice or professional services, this cover helps protect you against claims alleging negligence, errors, or omissions.
Insurance
Contractors All-Risk Insurance protects contractors from unexpected costs during construction projects.
• Material Damage Cover protects the work itself.
• Third-Party Liability Cover protects in case someone is injured or suffers damage due to the project.
We offer both basic and comprehensive cover to suit your needs.
Insurance
Liability insurance protects individuals and businesses from the financial impact of causing harm to others. It covers legal expenses and compensation for claims involving accidental bodily injury, illness, or property damage for which the insured is legally responsible. While not always legally required, it is strongly recommended to safeguard against potentially devastating claims - ensuring financial stability by transferring risk to the insurer.
Vehicles & Goods in Transit
Trucking plays a huge role in distribution. Our cover protects against theft, accidents, and loss of use.
• Comprehensive cover
• Loss of Use cover
• Third-Party cover
• Goods in Transit cover
And more…
Frequently Asked
Questions?
If you still want to know more, dive into our short-term insurance guide.
How to get an insurance quote through P.Cap Consult?
Simply tap the “Get a Quote” button on our page, or reach out directly to one of our dedicated brokers listed under the “Team P.Cap” tab. You’re also welcome to give our office a call on 021 200 5793.
Why does a person need insurance?
The main purpose of insurance is to help you recover when something unexpected happens - it’s all about managing risk. By paying a monthly premium, your insurer shares in your risk. Your policy clearly explains under what conditions the insurer will step in, how much it will cost, what’s covered, and what isn’t.
Who is P.Cap Consult?
We are a brokerage established in 2002. Our main function is to provide our clients with cover by providing insurance for personal belongings, life and disability. Our core values guide everything we do, from how we work together to how we serve our clients. They are the foundation of P. Cap Consult, ensuring professionalism, integrity, and dedication in every interaction.