NON-LIFE insurance

Ensuring you and your business are covered for life's unexpected moments.

product & Service offering

Through our risk identification and risk mitigation models, the team at Sensible Risk Solutions help to navigate all unnecessary risk and cost complications, enabling us to provide products and risk transfer insurance solutions to  all our clients and policy holders that are cost effective and bespoke for each client’s unique needs.

Sensible Risk Solutions, in line with their stated strategy of being a “One Stop Shop” for all the Sensible Crowd’s clients and policy holders, have risk transfer and insurance products that focus on larger insurance risks and projects, as well as products that suite all companies, SMMEs  and individuals. Coupled to this, through our Micro Insurance area we collaborate with a number of NGOs, and Statutory Bodies to provide the most suitable risk transfer and insurance solutions for them and their members.

In support of the above stated strategy, Sensible Risk Solutions focuses on the following classes of Insurance:


  • Motor
  • Leisure and 4×4 Vehicles
  • Home Owners
  • House Holders Cover
  • Personal Accident
  • All Risk Cover
  • Caravans and Trailers
  • Water Craft
  • Legal and Tax Assistance
  • Deposit Protector
  • Top-Up and Gap Shortfall Cover
  • Scratch and Dent 
  • Credit Shortfall


  • Motor
  • Heavy Commercial Vehicle
  • Goods in Transit and Cargo
  • Buildings Combined
  • Theft
  • Fire and Accident
  • Malicious Damage


  • Body Corporate Insurance
  • Farming and Agriculture
  • Hospitality  
  • Liabilities
  • Marine
  • Aviation
  • Engineering
  • Surety and Performance Bonds 
  • Court Bonds
  • Legal Assistance
  • Tax Assistance


Sensible Risk Solutions (Pty) Ltd (Reg No. 2014/201790/07) is a member of the Sensible Crowd group of companies.

Sensible Risk Solutions is an authorised Financial Services Provider (FSP 48159).

VAT No. 433027934