Authorised Financial Services Provider · FSP 55248

Trusted Short-Term Insurance Broker in South Africa

We make insurance excessible.

To become South Africa's most trusted and innovative short-term insurance intermediary, empowering individuals and businesses through transparent, adaptive, and data-driven risk solutions.

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Years in the Industry

18 hrs

Average Claims Turnaround

10+

Trusted Insurer Partners

FSCA Authorised · FSP 55248

Short-Term Insurance Specialists

Commercial & Personal Lines

Professional Indemnity & Liability

Hollard · Santam · Old Mutual Insure

About Us

Protection made Simple.

To simplify insurance by helping individuals and businesses make confident, informed risk decisions through transparent advice and accessible protection solutions.

Transparency

We communicate clearly and openly — no hidden clauses, no surprises.

Client Empowerment

We educate and guide clients to make confident, informed decisions about their cover.

Professional Integrity

We act ethically and in the best interests of our clients at every stage of the process.

Innovation & Adaptability

We constantly evolve our solutions to meet the demands of a changing risk landscape.

Partnerships & Relationships

We build lasting relationships with clients and insurers grounded in trust and mutual respect.

Service Excellence

We are committed to delivering exceptional service at every touchpoint — from quote to claim.

Excessible insurance professionals serving clients across South Africa

Our Services

What We Cover

From personal assets to complex commercial risks — we have a product that fits. All cover areas are tailored to your specific profile and risk appetite.

Motor Vehicle Insurance

Comprehensive, third-party fire & theft, and TPO cover for personal and fleet vehicles including specialist vehicles.

Home & Contents Insurance

Buildings and household contents cover, protecting your property against fire, theft, weather and accidental damage.

Commercial Property & Assets

Business premises, stock, plant, and machinery — covered against all standard and special perils.

Professional Indemnity

Protection against claims arising from errors, omissions, or negligence in professional service delivery.

Cyber Crime Insurance

Guard against financial loss from cybercrime, hacking, ransomware, and data breach incidents.

Medical Malpractice

Specialist liability cover for healthcare practitioners against claims of clinical negligence and malpractice.

Business Interruption

Income protection when your operations are disrupted — ensuring cash flow continuity during downtime.

E-Hailing & Taxi Cover

Tailored insurance for Uber, Bolt, and metered taxi operators — personal and commercial fleet options.

Engineering Insurance

Plant and machinery breakdown, construction, and erection all-risks cover for engineering operations.

Group Life & Employee Benefits

Group life, disability, and funeral cover to protect your workforce and attract top talent.

Trade Credit & Surety Bonds

Protect your receivables from non-payment and secure project performance with surety and fidelity bonds.

Personal Accident & Travel

Individual and group PA cover, plus domestic and international travel insurance for peace of mind on every journey.

Our Partners

We work exclusively with FSCA-regulated insurers — giving you confidence that your claims will be honoured and your cover is genuine.

Hollard Insurance

Short-Term Insurer

Old Mutual Insure

Short-Term Insurer

Santam

Short-Term Insurer

GuardRisk

Cell Captive Insurer

New National

Short-Term Insurer

MiWay Insurance

Short-Term Insurer

Liberty Life

Life & Group Benefits

iTOO Special Risks

Specialty Lines

ASI Blue

Insurance Solutions

Agisanang

Insurance Administrators

BrokerBuddy

Broker Technology

Octomate Education

Training & Development

All listed partners are authorised and regulated where applicable. Excessible (Pty) Ltd acts as an independent broker on behalf of its clients.

Our Journey

From Startup to Trusted Brokerage

A story of growth, resilience, and unwavering commitment to South African risk financing.

2018

Excessible Founded

Excessible (Pty) Ltd was established with a mission to make risk financing truly accessible. FSCA licence obtained and brokerage operations commenced in Midrand, Gauteng.

2018

2019

Commercial Lines Growth

Expanded commercial insurance portfolio — onboarding key insurer partners and building major commercial client relationships across Gauteng and beyond.

2020

Navigating a Global Crisis

Supported clients through COVID-19 disruption with tailored business interruption consultations and rapid claims support — cementing trust through South Africa's hardest period in recent memory.

2020

2021

Specialty & Niche Lines Launched

Introduced speciality products including Medical Malpractice, Professional Indemnity, Cyber Crime, and E-hailing insurance — meeting demand from underserved market segments.

2022–2023

Key Partnerships & Scale

Formalised partnerships with Hollard, Santam, Old Mutual Insure, MiWay, GuardRisk, and others. Grew client base significantly across personal and commercial lines nationwide.

2022

2025

2025 & Beyond

Next Chapter

Continuing to grow our national footprint — investing in technology, talent, and new product lines to deliver even greater value for our clients and insurer partners across South Africa.

Ready to Get Started?

Your Risk, Our Expertise.
Let's Build Your Cover Today.

Whether you're an individual, SME, or large enterprise — our licensed advisors will structure a cover solution that fits your needs and budget.

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Get In Touch

Trusted Short-Term Insurance Broker in South Africa

Protection made Simple.

What We Cover

Our Partners

From Startup to Trusted Brokerage

Your Risk, Our Expertise.Let's Build Your Cover Today.

We're Here to Help

Your Risk, Our Expertise.
Let's Build Your Cover Today.