Home Insurance solutions for the previously un-insured.

From township to village, shack to homestead. We've got a little sugar for you!
Ask Lindiwe how you can insure your legacy.

sugar /ˈʃʊɡə/

They wouldn’t insure you because they didn’t understand you. But we do. We come from you. We are you. The time is now.

— How It Works —

Get cover for your home in a few simple steps.

Indicate Value

Indicate your property replacement value by answering a few questions.


With the information you provided us, we will generate your quote to cover your home.


We will send you your policy documents and once payment is made you are all set.

— Protect Your Legacy —

For the first time ever, if you own a property located in the townships, rural villages and informal settlements, you can insure it. With our two sweet products, Legacy for township and rural village homes and Level Up for shacks.

Insure your family Legacy!

Your family roots are sacred. If your home stands strong and proud, it is because you preserved your family legacy when you built or renovated the homestead. For a minimum property replacement value of R50,000 and a maximum of R2,000,000, you can now protect that home asset. Get in touch with us to find out how to insure your legacy. Now that’s sweet.

Insure your family Legacy!

We know you are proud of your shack and everything you own inside it. With a Sugar policy you will be able to insure your home for R6 000, R10 000, R15 000 or R25 000. Our call centre agents, we call them crystals, can also guide you to the perfect cover for your home. Now that’s sweet. Do you want to be updated when this product launches?

— Brand Origin —

Every great success has a story of its own, and this is ours.

— Our Story —

Every great success has a story of its own, and this is ours.

Sugar was founded with a pioneering spirit and a lofty objective to offer fit-for-purpose insurance solutions at affordable prices, whilst leading the way for socially conscious businesses within financial services in Africa. There’s a common persistent belief and pessimism towards rural, township and shack communities that still lingers in the insurance industry. Behind Sugar is a team that instead saw a vibrant consumer market where few insurers have gone before.

Our strength lies in our unique model that gives power back to the legacy owner. By leveraging the power of modern technologies, we are able to drive a range of human friendly services tailored to your specific needs. This we achieve through living our values of transparency, consistency, honesty, ease of use and swiftness. Connected to these values is the fact that we understand your cultural values, responsibilities, lifestyle and pain-points. We are you and you are us. At Sugar, we commit to our promise of protecting and preserving your legacies; with the intention of restoring dignity lost during times of catastrophe and loss. Africa is home. We will secure her future and the collective legacies of her children. Sugar! Your legacy insured.

— Our Values —

We will not be swayed. We will not be defined. We will not conform. Because we see things differently, we will tell our truth authentically, transparently and consistently. We will be honest. We will be simple in dealing with you. We will think, act and deliver swiftly because that’s what Sugar is all about!


We will tell you our truth. We will always be authentic. Our motives are pure.


Our promise of protecting and preserving your legacy will never change.


We are a reflection of the way we were raised. Truthful and trustworthy. It takes a village. Now we are here to serve the village.


The power is back in your hands. You tell us how much your legacy is worth. We will protect it. Simple.


We are driven by human friendly technology. We think, act and deliver quickly!

— Contact Us —

We would love to hear from you!