Delkor Makelaars

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Delkor Makelaars Delkor Brokers are leading Financial Insurance Advisors that have been trading since 1964. We deliver a dynamic service to our clients.

We take pride in knowing our clients become our friends because you as a client are very important to us.FSP6050 Delkor Brokers is a family business that was founded by Johan and Malie Joubert in April 1964. Their first office was in a back building on their property. It was later moved to the Boeresaal (which today is the Living Word Church) and then to an office at Pickard and Kirstein. The current building was bought and they moved into it in 1968. Three years later the offices had to be extended to keep up with the growth of the business. In 1974 the last of these extentions were made. Junior Joubert joined the company in 1979 and with his involvement the business and property improved. To better communicate with the different offices a radio mast was erected. Dirk Joubert was involved in Delkor Brokers between 1981 – 2004 before he started his own business. Junior Joubert is currently the Managing Director and the third generation has recently also entered the business. They are Melisa van Niekerk and Stehan Joubert. Delkor Brokers and their team have grown to be a family that will serve its clients with friendship, loyalty and trust for many years to come.

“For the joyful years and the growth we give all the honour and praise to God – that is the foundation of Delkor” Malie Joubert
FSP6050

16/10/2026

Farm machinery doesn't always stay on the farm.

Equipment may be transported for repairs, moved between properties, used on another farm or taken onto public roads.

But have you ever checked whether your insurance follows that machinery wherever it goes?

Where and how equipment is used can be relevant to the cover you need, particularly when expensive agricultural machinery is involved.

🚜 Before moving equipment somewhere outside its normal operating environment, check whether your existing policy provides the protection you expect.

Your machinery is a major investment. Knowing exactly where it's covered is worth the conversation.

15/10/2026

You submit a claim for R20,000 worth of damage. Does that mean your insurer automatically pays the full R20,000?

That's where your excess comes in.

An excess is the portion of an insured loss that you're responsible for paying when a claim is settled, subject to the terms of your policy.
Different claims can also have different excesses, and in some circumstances additional excesses may apply.

It's one of those insurance terms that can easily be overlooked when taking out cover — until you actually need to claim.

📋 Take a look at your policy and make sure you know what excesses apply. If something isn't clear, ask your broker to explain it.

Knowing what you'll be responsible for before something happens means fewer surprises afterwards.

09/10/2026

Your spouse starts using your vehicle every day. Your child gets their licence. An employee regularly drives a company vehicle.
Do you need to tell your insurer?

Depending on your policy, who regularly drives the vehicle can be important information. Some policies identify a regular or nominated driver, and changes could affect your cover or premium.

That doesn't mean you need to panic every time someone else gets behind the wheel — but if the person who regularly uses the vehicle changes, it's worth checking with your broker.

🚗 A five-minute conversation now is much easier than discovering a problem when you need to claim.

06/10/2026

Insurance policies are based partly on the information provided about the risk being insured — and that can include your security measures.

If your property was insured with certain protections in place, such as an alarm, electric fencing, burglar bars, security gates or other security measures, changes to those arrangements may be important to your insurer.

The same principle applies to farms and businesses, where security arrangements can change as operations grow.

That's why it's worth keeping your broker informed when you make significant changes to your property or security.

🔐 Your insurance policy should reflect your circumstances as they are today, not as they were several years ago.

02/10/2026

As the days get warmer and conditions become drier, fire prevention becomes increasingly important on farms. 🔥🌾

A small spark from machinery, an electrical fault or a fire on a neighbouring property can quickly become a much bigger problem when dry vegetation and wind are involved.

Now is a good time to check firebreaks, clear unnecessary combustible material around buildings and equipment, inspect firefighting equipment and make sure everyone working on the farm knows what to do if a fire starts.

It's also worth reviewing the assets you rely on most. Are your buildings, machinery, equipment and other important farm assets correctly listed and insured at appropriate values?

You can't eliminate every risk, but good preparation can help reduce the potential impact.

Protect the farm you've worked hard to build.

26/09/2026

Bought a new tractor? Added another vehicle to the business? Built a new storage facility? Upgraded expensive equipment?

These are exactly the kinds of changes your broker should know about.
It's easy to think of insurance as something that only needs attention once a year, but your circumstances can change considerably between annual reviews.

Whenever you make a significant purchase, improve a property, expand your farming operation or make another meaningful change to your assets, it's worth checking whether your existing insurance needs to be updated too.

Your farm, business and life don't stand still. Your insurance shouldn't either.
📞 Keep your broker in the loop so your cover can keep up with you.

24/09/2026

Heritage is the story of where we come from and what we carry forward.

It's found in our languages, traditions and cultures. It's in the food around our tables, the communities we call home and the knowledge passed from one generation to the next.

And across South Africa's farming communities, heritage can also be found in the land — in generations of knowledge, resilience, hard work and a deep connection to the places we call home. 🌾🇿🇦

Today, we celebrate the many different people, cultures and traditions that make our country what it is.

From everyone at Delkor Brokers, we wish you a happy Heritage Day, South Africa!

18/09/2026

Spring brings warmer days, but it also means changing weather conditions across many parts of South Africa. ⛈️

Thunderstorms, strong winds, heavy rainfall and hail can cause significant damage in a very short space of time.
Before summer weather arrives in full force, use the change of season as an opportunity to check around the farm.

Inspect roofs and gutters, clear drainage areas, look for damaged trees or branches, check exposed equipment and make sure structures that may have taken strain during winter are still in good condition.

And while you're checking the physical risks, it's worth checking your insurance too. Make sure important buildings, equipment and machinery are correctly listed and appropriately insured.

You can't control the weather, but you can be better prepared for it.

17/09/2026

Insurance terminology can sometimes sound more complicated than it needs to be, so let's break down two terms you may have heard before.

Market value generally refers to what an asset could reasonably be sold for at a particular point in time.
Replacement value, on the other hand, looks at what it would cost to replace the insured asset with a comparable new one.
Why does the difference matter?

Because the value used to insure an asset can influence the cover you have and what happens if that asset needs to be replaced following an insured loss.
Whether it's a building, machinery, equipment or another valuable asset, it's worth understanding exactly how it has been insured.

📋 If you're unsure, that's exactly the kind of question your broker is there to answer.

11/09/2026

MYTH: If you have farm insurance, everything on your property is automatically covered.

FACT: A working farm can have a surprisingly complex risk profile. 🌾
Think about everything that forms part of an agricultural operation: buildings, vehicles, tractors, machinery, equipment, livestock, crops, irrigation systems and even liability risks.

Different assets and risks may require different types or levels of cover, and what was appropriate for your farm a few years ago might not necessarily suit the operation you're running today.

That's why the important question isn't simply, "Do I have insurance?"
It's "Does my insurance still cover what I need it to?"

Address

3 VAN RIEBEECK Avenue
Delmas
2210

Opening Hours

Monday 07:30 - 16:30
Tuesday 07:30 - 16:30
Wednesday 07:30 - 16:30
Thursday 07:30 - 16:30
Friday 07:30 - 16:30

Telephone

+27136652134

Website

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