FAQ

What else would you like to know about Sugar products?


FAQ

What else would you like to know about Sugar products?


*Cover is subject to the policy terms, conditions and exclusions.

  1. What is brick and mortar?
    A house built using bricks and cement.
  2. Do I need home insurance?
    Yes, if you own a home, having home insurance is crucial. Aside from smartly protecting your most important financial asset and its contents, all lenders require buyers to purchase a buildings insurance policy.
  3. Why do I need home insurance?
    It is important to cover your home against losses that are caused by weather such as floods, storms, winds as well as other catastrophes such as fire. Whether you have an existing home in the suburbs, village, township or informal settlement - cover yourself against a potential loss, you’ll need home insurance. That’s why Sugar exists!
  4. What is typically included in home insurance?
    Home insurance covers your home, other structures on your property, certain possessions inside your home, if you have selected the cover. Insurance won’t prevent accidents from occurring, but it will provide a financial safety net when the unexpected happens.
  5. What makes you different from other products?
    Sugar brings coverage to the previously excluded homeowners who were not able to get cover from the market because of the location and the process followed in building the home. Apart from the usual homes in the towns and suburbs, Sugar provides cover to homes in the townships, villages and informal settlements. Our policies offer protection to all homeowners. Our knowledge of home insurance and the perils that face homeowners has helped us to design products that truly put the homeowners in a place where they know that they are secured and focus in running their homes. In addition to cover for your building, you can also select enhanced coverage for home contents including appliances, meaning equipment like your television set, fridge, stove, washing machine and dryer are covered for specific events and don’t cause you a headache when it comes time to replace them. Besides providing cover against fire and weather we are very aware of the impact of the changes in climate conditions and other factors within our region and therefore also allow you to add cover for other perils such as cover against earthquakes, impact, leaks and overflow, accidental damage and breakage as well as theft etc.
  6. How do I switch to Sugar from my current insurer?
    You are allowed to switch your home insurance provider at any time. Simply fill in the form on the website and we will be sure to call you back and help you with the transition to the sweet side of life.
  7. Can I cover my home contents only?
    Yes, you can cover your home content with us without covering your building.
  8. What are your cover limits on home contents?
    We will happily give you cover of up to R500,000 on your home contents.
  9. How much cover will we give you on a Brick and Mortar home?
    We will take-on any property built with brick and mortar for a minimum replacement value of R50,000 and a maximum of R2,000,000. Get in touch with us to find out how to insure your legacy. Now that’s sweet
  10. Can I insure my shack with you? (Coming Soon)
    Yes! We have a clear appreciation that your home regardless of how it is built and its location is valuable to you and forms a big part of your 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. Get in touch with us to find out the value of your once-off voucher purchase which will have you covered for a whole year. Now that’s sweet.
  11. Can I insure my secondary property or vacation home with you?
    Yes! Sugar insures your primary residence, and we can also insure your secondary or vacation home. To learn more, just give us an opportunity to quote by simply filling in the form on the website and we will be sure to call you back and help you with the transition to the sweet side of life.
  12. Can I insure my investment properties with you?
    Yes! Our policy covers investment properties because we understand that your legacy includes these assets as well.


ASK A QUESTION BELOW

Please use the form below to send us any product related questions you have





ASK A QUESTION BELOW

Please use the form below to send us any product related questions you have