Intasure Specialised Products

To protect your business against industry-specific risks and exposures, Intasure leverages its extensive experience in understanding the unique challenges relevant to your company. With long-established relationships with top insurers, we’re able to provide you with competitively priced, comprehensive coverage tailored to meet your company’s exact needs.

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Custom Products

Intasure has created a range of custom insurance products specifically designed for our clients. We welcome the opportunity to discuss any unique ideas or needs you may have, ensuring we develop a tailored solution that best fits your requirements and offers the protection you need.

Tourinsure

Tourinsure is a comprehensive insurance product tailored for tour providers and businesses in the tourism and hospitality industry, offering extensive coverage for specialised, vehicle-based tour operations. Fully compliant with statutory requirements, it bridges the gap between the maximum compensation under the Road Accident Fund (RAF) and the coverage needed for both local and foreign tourists.

The types of coverage include:

Motor Vehicle Cover
Includes comprehensive coverage as standard, along with the following additional benefits:

Car hire in the event of a loss
Loss or damage to PA equipment fitted in the vehicle
Replacement of the vehicle if stolen or written off within the first year of registration
Credit shortfall coverage
Claims settled based on the average retail value of the vehicle
Loss of guests’ luggage following an accident

Public Liability
Covers damages the insured is legally liable for due to injury or damage that occurs in connection with the business. This includes compliance with the European Community Directive 90/314/EEC relating to the Package Holidays and Travel Trade Act, 1995.

Passenger Liability
Covers fare-paying passengers (those paying for tours or transfers included in the price) in the event of negligence by the driver. The operator must be legally liable, and the loss must be quantifiable. Note: Drivers and guides are not covered under Passenger Liability and would need Personal Accident cover for benefits.

Professional Indemnity
Covers costs the insured may need to pay a customer due to neglect, error, omission, or breach of contract resulting in claims made against the insured during the insurance period.

Personal Accident
Covers the tour operator or driver for death and/or injury in the event of an accident, including medical costs incurred as a result of the accident.

Tourinsure Assist
Provides the following services:

Roadside Assistance: For flat tyres, battery issues, locked keys, or towing due to mechanical and electrical breakdowns
Medical Assistance: Including guaranteed hospital admission
Tow-In: In the event of mechanical, electrical breakdown, or accident damage

Pax Protector
Given recent amendments to the Road Accident Fund, offering protection to passengers has become essential. Pax Protector covers tour vehicle passengers in the event of death or disablement resulting from an accident.

Cancellation of Booking
This section provides coverage for refunds of deposits if a booking is canceled due to a client’s accidental injury, illness, or death, with a limit of R20,000 for this coverage.

Material Damages
Coverage for business assets, including:

Office Contents: Cover for office furniture and equipment
Electronic Section: Cover for laptops and desktops
Business All Risks: Cover for cell phones, cameras, etc.
Money: Cover for cash in transit or locked in a safe
Theft: Coverage for theft of stock

For a quote or more details, please contact our office.

Stor-Age Customer’s Goods

Intasure continues to lead with innovation. In this case, we’ve created an insurance program for Stor-Age, South Africa’s largest storage facility provider. This coverage, arranged by Stor-Age, offers protection for customers’ goods stored within their facilities.

SME Director’s & Officer’s Liability

D&O Liability Insurance offers financial protection for a company’s Directors and Officers in the event they are sued in connection with their duties related to the company. Since directors can be held personally liable for the company’s actions, most will seek protection to safeguard their personal assets.

Fortunately, the significant responsibilities faced by business leaders can be protected: Section 78 (3) of the new Companies Act allows for indemnification of Directors and the purchase of D&O liability insurance.

Underwritten by SHA / Santam, this coverage is available to clients with a commercial insurance policy through Intasure. A simple one-page proposal form is all that’s needed, and coverage can be arranged quickly.

Tax Risk

Dealing with SARS can be daunting, and the cost of professional support can add significant stress. Ask us about Tax Risk Insurance. For a low monthly premium, this policy covers a team of experts who will defend your case, ensuring a fair outcome. It’s the most effective way to protect your business from the costs of a SARS audit.

Car Hire

Car hire can be added to your commercial policy at highly competitive rates through a product offered by Empire Fleet Solutions. This option is available for vehicles insured under an Intasure commercial policy, providing convenient and cost-effective coverage for your business’s vehicle rental needs.

Global Choices

Intasure offers 3 variations of this assistance product:

a. For our domestic clients: Intasure presentation Domestic
b. For our commercial clients: Intasure presentation Commercial
c. For our Tourinsure Clients: Intasure presentation TOURISM

Umbrella Liability (Broadform)

This is an independent policy designed to supplement your standard liability coverage. It increases the limits of your existing policy in a highly cost-effective way, providing extra protection without the need for separate, more expensive coverage.