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We cover your business and personal insurance

18/09/2026

Heritage Day sorted. 🥩🔥
Keep the braai going - and keep it safe. Two simple tips for a long weekend with no regrets.

Questions about your cover? We're on WhatsApp: 068 605 6382

14/09/2026

Is your backup power actually covered? 🔌

Generators, inverters, solar panels — South Africans have invested heavily in keeping the lights on. But when last did you check whether your insurance policy actually covers that equipment?

Most people assume it's included. Often, it isn't, unless you've declared it.

✅ Built-in and declared systems are typically covered.
❌ Wear and tear, undeclared gear, and portable equipment left outside often aren't.

Don't wait until something goes wrong to find out you're not protected. Contact us today to update your policy and make sure your backup power investment is properly covered.

📲 WhatsApp: 068 605 6382

11/09/2026

Think your insurance has you fully covered? These 4 myths might surprise you. 👇

We're busting the most common misconceptions about short-term insurance - from what "comprehensive" actually means, to why the cheapest quote could cost you more in the long run.

Know what you're really covered for.
📲 WhatsApp us on 068 605 6382

03/09/2026

Spring is here, and it's the perfect time to check that your cover is ready for what's ahead. 🌸

Summer storms, road trips, and home upgrades all bring new risks — a quick policy review now means no surprises later.

Chat to us on WhatsApp and let's make sure you're covered.

29/08/2026

Not everyone realises this, but Penrisk covers a lot more than just homes and cars.

Over 20+ years we've built up cover across four areas:

✅ Personal (home, vehicle, and the everyday things that make up your life),
✅ Business (liability and asset cover built around how your business actually runs),
✅ Agriculture (farm buildings, equipment, and land-specific risk), and
✅ Pet (because the four-legged members of the family deserve cover too).

Whichever one applies to you, the goal's the same - turning a short-term policy into a long-term investment in protecting what matters. WhatsApp us and we'll talk you through the right cover for your lifestyle 👉 068 605 6382

22/08/2026

A real Penrisk claim. Storm damage in the Cape, April 2024. One storm damaged multiple buildings on one property, including 36 lamp posts along a single driveway, roof damage, garage doors, and electric fencing.

Assessed repair cost: R296,759. After the R1,000 excess, recommended settlement: R295,759.

This is what proper cover looks like. WhatsApp us for your own free storm-cover review - 068 605 6382.

18/08/2026

Here's something worth knowing before you assume your Buildings section covers everything on your property: it usually doesn't.

A "building" under most policies means permanent, fixed structures like your main house, a garage, that kind of thing. Wendy houses, greenhouses, and similar non-permanent structures often fall outside that definition entirely, unless they've been specifically added.

There's also a distinction that catches people out: storm or accidental damage is covered, but damage that's really the result of years of deferred maintenance usually isn't, even when a storm is the thing that finally exposes it. Insurers look at the underlying cause, not just what triggered the claim.

Worth a two-minute check: do you know what your Buildings section actually covers, and what's excluded? If you're not sure, WhatsApp us and we'll go through it with you.

13/08/2026

The Highveld storm season typically kicks in from September, which means August is exactly the right time to do a proper walk-around of your property before the rain arrives.

We put together a quick 5-point checklist of the things that most often cause water damage in SA homes, because the honest truth is that a lot of water-related claims come down to maintenance issues that could have been caught earlier. And most policies won't cover gradual damage or leaks that developed over time - only sudden, unforeseen events.

Here's what to check this month:

🔹 Your roof: cracked or missing tiles, rusted sheet metal, blocked gutters
🔹 External walls & parapets: hairline cracks, peeling paint, damp patches
🔹 Doors, windows & seals: worn rubber seals and ageing silicone around frames
🔹 Drainage & stormwater: clear drains and downpipes before they block
🔹 Your cover: waterproofing reduces damage, but it doesn't replace a proper policy

If you're not sure whether your current cover would hold up when the storm season hits, WhatsApp us and we'll check it with you. No obligation. 068 605 6382

11/08/2026

We put together a quick checklist because we keep seeing the same gaps come up when we review people's cover: Buildings vs Contents, the All Risk add-on for things you take out the house, geyser and burst-pipe cover, and underinsurance (which can reduce a payout on any claim, not just the big ones).
Swipe through, and if anything here doesn't match your policy, WhatsApp us and we'll check it for you, no obligation.

07/08/2026

Winter's the season we get the most calls about claims that didn't go the way people expected and it usually comes down to one of three things. Geyser age exclusions (some insurers reduce cover once your geyser's past a certain age), gradual damage and wear and tear (a slow leak is treated very differently to a sudden burst), and the unoccupied-home clause (away for 30+ days? some policies need you to notify them first).

Which one surprised you? WhatsApp us and we'll check your policy for free 👉068 605 6382.

Address

Sparrman Avenue
Cape Town
7806

Telephone

+27686056382

Website

http://www.penrisk.co.za/

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