While you can lower your expectations to suit the policy of your direct insurer, an insurance broker will find an insurance company and insurance policy that fits you. An insurance broker meets with you, the insured, to discuss in detail the type of cover you need, after which he or she will tailor an insurance policy to meet those requirements.

Although you do pay for his or her service, the broker will source an insurance policy that will suit your pocket as much as your requirements, making the difference in cost between a broker and a direct insurer almost negligible.

As meeting an insurance broker face to face is one of the advantages of a broker over a direct insurer, you’ll want to find one close to you. Some of the bigger insurance brokers in Pretoria are AG&E, Momentum, Natsure and PSG Konsult. Certain brokers such as Momentum and PSG Konsult based in Pretoria or Centurion can provide quotes through CarandHomeInsurance.co.za.