Addsure

Addsure Addsure is an insurance brokerage that specialises in sectional title property insurance

Addsure is an authorised financial services provider (FSP registration number: 15269), operating nationally across South Africa. Addsure is essentially an insurance brokerage and financial advisory practice that specialises in sectional title property insurance and financial planning.

Fidelity insurance is not optional. It’s protection.Many trustees assume “we have cover” but is it enough?CSOS Regulatio...
19/06/2026

Fidelity insurance is not optional. It’s protection.
Many trustees assume “we have cover” but is it enough?

CSOS Regulation 15 sets a minimum requirement, not a guarantee of adequacy.

If the cover is too low, the scheme carries the risk.
• Covers fraud and dishonesty
• Applies to trustees, managing agents, contractors
• Must be reviewed annually with financials and budget

Final thought: Proper advice and regular review can make the difference between protection… and exposure.

Want to read more about what you should know about fidelity insurance? https://ow.ly/86Re50Z6Jq4




What’s in your AGM pack matters, more than most schemes realise. When owners vote at the AGM, they’re not approving an i...
18/06/2026

What’s in your AGM pack matters, more than most schemes realise. When owners vote at the AGM, they’re not approving an insurance policy.

They’re approving replacement values that affect premiums, fairness between owners, and how smoothly claims are handled.

If the schedule of replacement values is missing, unclear, or simply a copy of the policy schedule, your scheme may already be exposed.

Our latest blog explains:
• What owners are actually approving
• Why the SRV is a governance document
• How the right process protects trustees and managing agents

Read the full article: https://ow.ly/wHj250Z6JjJ

Schedule of replacement values (SRV) – what owners approve at the AGM and why the AGM pack matters. Bonus video discussion!






Copper pipe theft claims are increasing, and so are disputes about excesses.Trustees often assume “The owner pays becaus...
17/06/2026

Copper pipe theft claims are increasing, and so are disputes about excesses.

Trustees often assume “The owner pays because it serves their section.”
But PMR 23.2(b) says something different. In a nutshell, it says that excess follows maintenance responsibility, not proximity.

This means, roughly:
• Common property = scheme expense
• EUA responsibility = EUA holder expense, if it serves the EUA
• Section responsibility = owner

Understanding this distinction avoids conflict and incorrect cost allocations.

Read the practical guide here https://ow.ly/EZUc50Z6Jhu

*Bonus video explainer and link to more information about excess.




Business owners - Save these emergency & claims call centres.When something goes wrong in your business, speed matters.F...
16/06/2026

Business owners - Save these emergency & claims call centres.

When something goes wrong in your business, speed matters.

From burst pipes and fire damage to business interruption events - knowing exactly who to contact can reduce downtime and help get your operations back on track faster.

We’ve brought together key business insurance call centres, particularly for geysers, in one place:
• Claims reporting lines
• Emergency response services
• Property & asset incidents
• Geyser & water damage support
• After-hours assistance

Save this post or bookmark the page - your future self (and your business) might just thank you.

This matters because using the correct insurer or authorised call centre ensures your claim is registered correctly from the outset, avoiding unnecessary delays.

Access the full list here: https://ow.ly/wmH250Z6Jaz

Downtime costs more than repairs. The right call, at the right time, makes all the difference.



Experience shared. Futures shaped.Today we recognise the value of guidance - how knowledge, support and opportunity help...
16/06/2026

Experience shared. Futures shaped.

Today we recognise the value of guidance - how knowledge, support and opportunity help shape the next generation.
In our industry, mentoring matters.

Because when we invest in people, we strengthen the communities we serve.

Happy Youth Day, South Africa.




When gate damage becomes an insurance problem.A damaged gate in a community scheme isn’t always “just a repair”. How it ...
15/06/2026

When gate damage becomes an insurance problem.
A damaged gate in a community scheme isn’t always “just a repair”. How it happened, and how it’s handled afterwards, can make all the difference.

In this blog article, we explain:
• The difference between impact damage and liability claims
• Why insurers take over recoveries once a claim is lodged
• Why trustees should avoid trying to recover the excess themselves
• How admitting liability or negotiating with third parties can prejudice a claim

These situations often feel straightforward, but they rarely are, especially where vehicles, access control, and common property are involved.

The safest approach? Report the incident, involve the insurer early, and let the claims process run its course with proper broker guidance.

Read the blog - https://ow.ly/V4tx50Z6J56
(includes a bonus video on recovering excess)



Trustees - Balcony leaks causing conflict in your scheme?Before calling it an insurance claim, watch this.We cover:Step ...
12/06/2026

Trustees - Balcony leaks causing conflict in your scheme?
Before calling it an insurance claim, watch this.

We cover:
Step 1 - The insurance test
Step 2 - Wear and tear explained
Step 3 - Section vs common property vs EUA
Short video. Clear framework. Fewer disputes.

Watch here: https://ow.ly/L0ZR50Z6J1O



It starts with a stain on the ceiling below.Then comes the question - “Who is responsible?”Understanding whether a leaki...
11/06/2026

It starts with a stain on the ceiling below.
Then comes the question - “Who is responsible?”

Understanding whether a leaking balcony is insurance, wear and tear, or owner responsibility makes all the difference.

Our latest blog explains this in practical, real-world terms.

Reading this could provide the insight you are looking for: https://ow.ly/gL6g50Z6IZa




Are blocked pipes covered by insurance?This is one of the most common questions we receive from trustees and managing ag...
10/06/2026

Are blocked pipes covered by insurance?

This is one of the most common questions we receive from trustees and managing agents.

The cost of unblocking a pipe is usually considered maintenance and therefore not insured.

However, the resulting water damage caused by a sudden blockage may be covered.

Understanding the difference can prevent frustration at claim stage. Read more here: https://ow.ly/wHuu50Z6IWP




A useful resource to share with your schemes.Managing agents: Looking for reliable insurance information you can confide...
09/06/2026

A useful resource to share with your schemes.

Managing agents: Looking for reliable insurance information you can confidently share with trustees and owners?

The Addsure blog offers:
• 270+ articles covering real community scheme issues
• Blogs often linked to videos and practical explainers
• Supporting resources and guides
• Content continuously updated as legislation and practice evolve

Subscribers receive notifications of new articles plus our bi-monthly newsletter - nothing promotional, just insight.

Why not subscribe and share with your clients today - https://ow.ly/nEKJ50Z6ITp






Address

A1 Centurion Business Park, Bosmansdam Road, Milnerton
Cape Town
7441

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 08:00 - 16:00

Telephone

+27215515069

Website

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