CC&A Insurance Brokers - Pty Ltd

CC&A Insurance Brokers - Pty Ltd CC&A Insurance Brokers is a firm of independent short term insurance brokers CCamp;A has Level 3 BBBEE status.

A range of short term insurance solutions are offered under one roof at CC&A Insurance Brokers, which include dealing with client queries, providing advice, implementing of cover, updates, amendments and start-to-finish claims processing. CC&A Insurance Brokers (Pty) Ltd is an Authorised Financial Services Provider, licensed to provide Commercial and Personal short term insurance under the FSP Lic

ense number 13960. CC&A Insurance Brokers (PTY) LTD is a licensed financial service provider. View our legal page for details: legal.ccainsurance.co.za

Long-term relationships are built on trust, support, and being there when it matters most.We’re grateful to receive feed...
01/06/2026

Long-term relationships are built on trust, support, and being there when it matters most.

We’re grateful to receive feedback like this from clients who have trusted CC&A Insurance Brokers for decades. Knowing our team has made a difference through responsive service, claims support, and assistance when it’s needed most is something we never take for granted.

Thank you, Susan, for your kind words and for placing your trust in us over the past 35+ years.

Planning renovations or construction work at your property? It’s important to keep your insurer informed before work beg...
28/05/2026

Planning renovations or construction work at your property? It’s important to keep your insurer informed before work begins.

Changes to your property can alter the level of risk, whether through increased exposure to damage, liability concerns, or changes in value during the construction period.

Failing to disclose major renovations or building work could affect the outcome of a future claim — which is why keeping your insurer updated is an important part of maintaining appropriate cover.

A few helpful reminders:
• Notify your insurer before significant renovations or construction starts
• Review whether your current cover remains suitable during the project
• Keep records of approved plans, contractors, and project details
• Inform your insurer once work has been completed

Keeping your policy aligned with changes to your property helps ensure you have the protection you expect when it matters most.

At CC&A Insurance Brokers, we help clients understand evolving risks and ensure their cover keeps pace with changing circumstances.

✉️ [email protected] | 🌐 www.ccainsurance.co.za

26/05/2026

When it comes to insuring your belongings, you do not need to worry about documenting every single minor item in your house. Your ordinary run-of-the-mill clothing or everyday items are not what insurers are looking for.

INSTEAD, FOCUS ON HIGH-VALUE ASSETS:
A good starting point for your digital inventory is any item valued from R10,000 and above, as well as jewelry pieces starting from around R5,000. High-end electronics, artworks, and designer goods should always be prioritized.

THE SMARTPHONE HACK FOR OLDER ITEMS:
If you have items in your home that you have owned for 10 or 20 years, like a quality lounge suite, you likely do not have the original purchase receipt anymore. To safeguard your cover, take a clear photo of the item on your smartphone. This ensures the file is automatically date-stamped months or years prior to any potential loss. This simple visual evidence proves to the insurance company that you actually owned the item and establishes its clear condition, ensuring you receive a fair, like-for-like replacement.

Don't wait for a major incident to find out you cannot prove the value of your assets. Open a dedicated folder on your phone or computer today and start documenting your high-value belongings.

Get in touch with the CC&A Insurance team to learn more or to send through your updated asset documentation.

https://ccainsurance.co.za/

For body corporates, some insurance requirements go beyond best practice, they are a legal obligation.In terms of Regula...
21/05/2026

For body corporates, some insurance requirements go beyond best practice, they are a legal obligation.

In terms of Regulation 15 of the CSOS Act, body corporates are required to maintain:
Public liability insurance, to provide cover for claims arising from injury or damage linked to common property
Fidelity insurance, to protect against dishonest acts by trustees or individuals entrusted with managing funds

These covers form an important part of risk management and help protect both the body corporate and its members from potentially significant financial consequences.

Regular policy reviews can help ensure required cover remains appropriate, compliant, and aligned with evolving risks.

At CC&A Insurance Brokers, we help body corporates better understand their obligations and ensure the right protections are in place.

✉️ [email protected] | 🌐 www.ccainsurance.co.za

High-value jewellery items often have specific limits under insurance policies unless they have been separately specifie...
19/05/2026

High-value jewellery items often have specific limits under insurance policies unless they have been separately specified and valued.

Over time, the value of jewellery can change, which means outdated valuation certificates may leave you underinsured in the event of loss, theft, or damage.

Regularly updating valuations (typically every two years) helps ensure your cover reflects current values and provides the protection you expect when it matters most.

A few helpful reminders:
• Keep valuation certificates up to date
• Notify your insurer of significant changes in value
• Review specified items on your policy periodically
• Store valuation documents securely

A simple review today could help avoid unexpected shortfalls in the future.

At CC&A Insurance Brokers, we help clients better understand their cover and ensure valuable items remain appropriately protected.

✉️ [email protected] | 🌐 www.ccainsurance.co.za


17/05/2026

Protecting your home during a renovation goes beyond just the construction work.

In this podcast highlight, Michelle explains a critical but often overlooked risk: security during home improvements. When your property is being renovated or left unoccupied, it is vital to keep your insurer informed. One of the biggest risks involves having workers inside your home. If high-value items like jewelry are left out and go missing, an insurer may reject the claim if there is no evidence of forcible and violent entry.

TO ENSURE YOU ARE PROTECTED:ALWAYS NOTIFY YOUR BROKER if your property is undergoing renovations or will be unoccupied for an extended period.

SECURE YOUR VALUABLES in a locked safe while work is being carried out to avoid non-forced entry exclusions.

Don't let a busy renovation schedule lead to a costly insurance gap.

Get in touch with the CC&A team today to update your policy details.

https://ccainsurance.co.za/

Installing a solar system is a valuable investment, but it’s important to ensure your insurer is informed once it’s in p...
15/05/2026

Installing a solar system is a valuable investment, but it’s important to ensure your insurer is informed once it’s in place.

Undisclosed solar installations may affect the outcome of a future insurance claim, particularly if the system has not been properly declared or certified.

Insurers will often require the relevant Certificates of Compliance (COCs) to confirm that the installation meets safety standards and does not pose an unnecessary risk to the property.

A few important steps to consider:
• Notify your insurer once your solar system is installed
• Keep all compliance certificates and installation documents safely stored
• Ensure installations are completed by qualified professionals
• Review your cover to make sure your property remains adequately insured

Keeping your policy updated helps ensure you have the protection you expect when it matters most.

At CC&A Insurance Brokers, we help clients better understand changing risks and ensure their cover evolves with their property and lifestyle needs.

✉️ [email protected] | 🌐 www.ccainsurance.co.za

When it comes to property insurance, market value and replacement value are not always the same.For body corporates, thi...
13/05/2026

When it comes to property insurance, market value and replacement value are not always the same.
For body corporates, this is an important distinction to understand. While a property’s market value reflects what it may sell for, the replacement value considers what it would cost to rebuild the property in the event of major damage or loss.

Construction costs, materials, labour, demolition, professional fees, and compliance requirements can all impact rebuilding costs — often making them significantly higher than the original purchase or sale price.

If replacement values are underestimated, properties may end up underinsured, which can lead to shortfalls at claim stage.

Regular and accurate valuations help ensure your cover keeps pace with current rebuilding costs and provides the protection you expect when it matters most.

At CC&A Insurance Brokers, we help body corporates better understand their risks and ensure they have the right cover in place.

12/05/2026

When a residential garage was converted into a place of worship without notifying the insurer or meeting the necessary building codes, the risk profile changed completely.

Following a storm and a subsequent roof collapse, the claim was denied because the structure was not up to code and the change of use had not been disclosed.

This highlights why keeping your broker informed is the most important part of your insurance journey. Whether you are renovating, changing how you use a space, or adding new features like solar, a quick phone call to your broker can be the difference between a paid claim and a massive financial loss.

AN EXTRA R1,000 IN MONTHLY PREMIUM is always better than a R100,000 loss you have to cover alone. Don't leave your protection to chance. If you have made changes to your property, get in touch with the CC&A team today to ensure your cover is still valid.

Keeping records of valuable purchases may seem like a small step, but it can make a significant difference when it come...
11/05/2026

Keeping records of valuable purchases may seem like a small step, but it can make a significant difference when it comes to insurance claims or disputes.

Receipts, invoices, valuations, warranties, and even photographs of high-value items can help support ownership and simplify the claims process if something is lost, stolen, or damaged.

A few simple ways to stay prepared:
• Store receipts digitally
• Photograph serial numbers and valuable items
• Keep updated valuations for jewellery or collectables
• Back up important documents securely

Being proactive today can save time and stress later.

At CC&A Insurance Brokers, we’re here to help you protect what matters most with the right advice and tailored cover.

✉️ [email protected] | 🌐 www.ccainsurance.co.za

Address

1 Old Main Road
Kloof
3610

Opening Hours

Monday 08:15 - 16:30
Tuesday 08:15 - 16:30
Wednesday 08:15 - 16:30
Thursday 08:15 - 16:30
Friday 08:15 - 16:00

Telephone

031 716 6000

Website

https://ccainsurance.co.za/contact-us/

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