Our Products

HIC’s Motor Fleet product offers so much more given that there is no need to advise HIC on the addition or deletion of vehicles, we are able to cover fleets on a monthly basis and we can assist with aggregate excesses, stoppers to ensure you deal with less admin and superior service delivery.

For our Fleet Product solution we will require 3 years detailed claims experience (gross), number of units per year, excess structure per year and an annual declaration at the end of the period of insurance and we will process any adjustment.

Our motor offering includes the options of limited or full excess waiver solutions for cars (private & business use), LDV’s (domestic and business use), light to medium trucks (3.5 ton – 10 ton) at an additional premium per unit.

Our hospitality product covers hotels, boutique hotels, game lodges, conference and convention centres, Airbnb, private holiday homes and self-catering holiday homes.

These products include: Fire and Buildings combined sections, Business Interruption (following fire, buildings combined, office contents, theft, glass, money, GIT and computer equipment) and motor solutions.

Our Bed & Breakfast product covers the owner’s private contents as well as the Bed & Breakfast contents. Loss of revenue and liability sections can also be included which is exclusive to Bed & Breakfast establishments and smaller guest houses.

These products cater to both standalone restaurants and those that have franchised.

There are a number of general exceptions, conditions and provisions that will benefit your business, as well as full theft cover automatically included. Other inclusions under our Restaurants and Franchise offering are: Fire and buildings combined, computer equipment, office contents, theft, money, business interruption, motor and restaurants (available at an additional cost.) This package also includes VAPs through Global Choices that include Roadside and Accident assistance, Home and Office Maintenance Assist and Intelligent Panic.

We have introduced an innovative product solution designed specifically for the sectional title market called Accommod8. This product is designed to protect your most valuable asset; your common property, with comprehensive extensions and enhanced features to give you peace of mind.

Our Accomod8 product features VAPs services through Global Choice, basic extensions with an aggregate limit, automatic extensions with geyser cover and limits, and additional optional cover options.

Our Golf and Greens policy is a tailor-made product designed specifically for golf estates, bowling greens, sports-clubs and recreational facilities.

The motor section of this product also caters for golf carts and turf equipment and can be done on a fleet-basis if there are more than 15 units.

In addition to catering for the clubhouse, buildings, contents and stock our unique solution also extends to: Comprehensive Greens (Natural elements damage, malicious damage, fertiliser or chemical, contaminated water or a failure in water supply and mechanical) as well as Irrigation Systems (Accidental damage to water irrigation systems or electrical irrigation systems)

Our “Schools” product has been awarded the Academic Institutions Diamond Arrow Award Winning Product for 6 years in a row (2016 – 2022) through PMR.africa.

This innovative solution provides broad spectrum protection against risks facing schools. Damage to buildings, contents, theft, computer equipment, liability, Teacher’s liability, student’s personal accident and emergency response packages are all structured in our tailor-made product to minimise risks. In this offering we do also have additional cover available and VAPs through Global Choices emergency medical services, guaranteed hospital admission amd intelligent panic.

Our MedHIC Affinity Scheme provides a wide range of vital insurance covers for various medical practices.

The Basic Package is based on turnover of the practice and includes cover for fire, business interruption, money, accounts receivable, glass, theft, goods-in-transit, fidelity, employer’s liability and public liability. There are additional cover options available upon request as well as general exceptions, conditions and provisions that are automatically included.