CFS Insurance Brokers

01/01/2026

As we welcome 2026, we want to extend our heartfelt gratitude to all our clients, partners, and friends for your trust and support over the past year. May this New Year bring you health, happiness, and success in every endeavour.
We look forward to continuing to protect what matters most to you in the year ahead.
Here’s to a safe, prosperous, and exciting 2026!

— The CFS Insurance Brokers Team

21/12/2025

21/12/2025

Trusted Payouts for Families 💙

When life changes unexpectedly, financial certainty matters most. In 2024 alone, Sanlam paid out R5.47 billion in death and funeral claims—providing real support to families when they needed it most. Life cover is not just a policy; it’s a promise to protect your loved ones from financial strain and uncertainty. By planning ahead, you help ensure that your family can focus on healing, not finances, when it matters most.
Life cover matters—because your family’s future deserves protection.

17/12/2025

🎄 Tips to Avoid Claiming This Christmas 🎄

• Don’t drive like Santa on Red Bull. Your car insurance doesn’t cover “ho-ho-hold my beer” moments.
• Keep your receipts – not grudges. Replacing a broken TV is easy. Replacing a broken family relationship from 1989… not so much.
• If the braai flames look like a Marvel stunt scene, step back. Your household insurance is not a film budget.
• Avoid inviting that one cousin who always says, “I know a guy who can fix it cheap.” He’s the reason you need insurance.
• Label your drinks. Insurance doesn’t cover “I don’t remember how I ended up on the neighbour’s roof.”
• Supervise your pets. Liability claims spike when Fluffy decides to bite Uncle Trevor who smells like 3-day-old gammon.
• If you feel your temper rising, switch to ‘Silent Night’ mode. Assault claims are NOT festive.
• Fireworks + alcohol + your uncle = an insurance claim waiting to happen.
• Remember: Your house alarm is not decorative. Switch it on. Even criminals take December bonuses seriously.
• If your friend starts a sentence with, “Let’s try something new this year…” — decline. New ideas = new claims.

But if disaster still finds you…
Call Rick Lloyd at CFS Insurance Brokers – the guy who saves Christmas one claim at a time.

📞 (Festive excesses may or may not apply depending on the chaos you created.) 😄

14/12/2025

Critical Illness Cover Matters
A serious illness can place significant financial strain on you and your family at a time when your focus should be on recovery. Critical illness cover provides a lump-sum payout upon diagnosis of a covered condition, which can help with medical expenses, treatment not fully covered by medical aid, recovery-related costs, or everyday living expenses.
CFS Insurance Brokers assists clients in sourcing suitable critical illness cover from reputable insurers, helping ensure financial support is in place when it is needed most - so you can focus on your health with greater peace of mind.

10/12/2025

Most business owners insure the truck… but forget the cargo that keeps the business alive. Don’t leave your load exposed. With the right cargo insurance, one accident, break-in, or unexpected delay won’t cost you your livelihood. Protect the wheels and what they carry.

For expert guidance, contact Rick Lloyd – CFS Insurance Brokers.

07/12/2025

Don’t risk a valuation dispute.
High-value items like jewelry, luxury watches, fine art, and collectibles should be properly scheduled to ensure accurate, up-to-date replacement costs.
Unscheduled items may only be covered up to limited amounts at the claim stage — leaving you underinsured.

Get expert guidance on securing your valuables correctly.

📞 Rick Lloyd – CFS Insurance Brokers
Call: 081 714 5499
Email: [email protected]

CFSInsuranceBrokers

03/12/2025

Did you know you don’t have to pay those sky-high excess fees if something happens? At CFS Insurance Brokers, we’ve got a clever trick: by increasing your premium to the max and adding an excess waiver, you can protect your wallet and save money at the same time!

Here’s how it works:

Normally, the higher your excess, the lower your monthly premium. Sounds great, right? But if the unexpected happens, paying that huge excess can sting. 😬

With an excess waiver, you skip the big out-of-pocket costs entirely - your insurer covers the excess!

Bonus: Since your premium is already optimized, you save money every month while enjoying peace of mind. 💸

In short: pay smart now, save big later, and never worry about outrageous excess fees again.

Ask us how today and let CFS Insurance Brokers show you the fun way to save on insurance! 🤭

📞 : +27817145499
📧: [email protected]

30/11/2025

Millennials were 55× more likely to claim on Income Protection than on Death Benefits in 2023, highlighting a powerful reality: serious illness, injury, or temporary disability is far more common than most young professionals expect. While many believe life cover is something they will only need later in life, the data shows that protecting your ability to earn an income is one of the most important financial decisions you can make early in your career.

Your income is your biggest asset — it pays for your lifestyle, supports your goals, and builds your future. If that income suddenly stopped, even for a short period, the financial impact could be significant. Income Protection ensures that you can still meet your financial obligations and maintain stability during life’s unexpected challenges.

Start protecting your income now. Your future self will thank you.

Call us today
📞 +27817145499
📧 [email protected]


Terms & conditions apply.

26/11/2025

Hackers don’t discriminate — small biz cyber cover matters.

23/11/2025

Life happens fast — one moment you’re enjoying your new TV, the next your child has sent a toy flying straight into the screen. Or maybe it’s a rushed morning ending with hot coffee all over your laptop.
With Old Mutual Insure’s optional Accidental Damage Cover, those unexpected “oh no!” moments don’t have to become expensive disasters. We help protect your home contents from the unpredictable.