Ask Us the Questions: Your Guide to Insurance Cover in South Africa
Insurance can feel complicated – full of fine print, exclusions, and “what-ifs” that leave you second-guessing whether you’re actually covered. At Renewed Group, we want to change that. That’s why we’re launching our “Ask Us the Questions” campaign – a series of real-world scenarios and FAQs that answer the questions South Africans are actually asking. From farmers working on their neighbour’s land to cyclists chasing podium finishes, security companies handling chaos, and business owners navigating liability, we’ve got the answers.
If you’ve ever wondered, “Am I really covered for this?” – this blog is for you.
Agri Insurance: Am I Covered on My Neighbour’s Farm?
Scenario: “So, I’m over here on my neighbour’s farm, doing a bit of contract work with my harvester… and now he wants me to harvest his prize-winning, organic, gluten-free crops. Does my Agri Insurance cover me when I’m harvesting for money on someone else’s land?”
When it comes to agricultural insurance in South Africa, standard farm policies usually cover you for your own land, machinery, and crops. But once you start working on someone else’s property – especially for payment – you move into contractor territory. That’s why you need contractor’s cover. It protects you (and your machinery) while you’re earning income on another farm, so you don’t face financial loss if something goes wrong.
Bicycle Insurance: Am I Covered in a Race?
Scenario: “I was moments away from winning the ‘Race of Unimaginable Glory’ when my bike chain decided it was a better necklace than a bike part. Now I’m in second place, and the winner is wearing my chain around his neck. Am I covered for timed events?”
Cyclists know that accidents happen – sometimes at the worst possible time. Bicycle insurance typically covers theft, damage, and accessories, but not all policies extend to timed events, races, or competitions. If you’re a competitive cyclist, or you enjoy entering events, make sure your policy includes coverage for racing incidents. At Renewed Group, we offer tailored cover that ensures you and your bike are protected whether you’re on a casual ride, training session, or race day.
Commercial Insurance: What If My Armed Response Vehicle Ends Up in a Pool?
Scenario: “It wasn’t a high-speed chase. More like a very low-speed pursuit of a runaway braai grid. The siren was on, the lights were flashing, but then… the pool happened. Does my insurance cover an armed response vehicle that’s now a submarine?”
Running a security company comes with unpredictable risks – sometimes even ridiculous ones. That’s where commercial insurance comes in. Armed response vehicles need specialised liability and motor cover that goes beyond standard fleet policies. With the right cover in place, accidents (even the unusual ones) won’t sink your business financially.
Liability Insurance: What’s the Difference Between a Handshake and an Expensive Mistake?
Scenario: “I thought I was covered. I chose the cheapest option, skimmed the fine print, and assumed a handshake was as good as a contract. Now I have a lawsuit and a rejected claim. What happened?”
Too often, business owners assume they’re covered without understanding what’s actually in their policy. Liability insurance protects your business if someone sues you for injury, negligence, or damages. But not all liability cover is equal, extensions and exclusions matter. Choosing the cheapest option without understanding your risk can cost far more in the long run. Renewed Group helps you get the right liability insurance, not just any liability insurance.
Quick Questions, Straight Answers
- Does my insurer cover tractor tyres damaged by unforeseen objects?
Yes – but only if it’s specifically included. Farm equipment insurance can be tailored for these risks. - Does my insurer provide liability cover for security company armed response vehicles?
Standard cover might not. You need specialised commercial insurance for that. - Why is liability cover important and what are the extensions?
Liability cover protects you from lawsuits and claim rejections. Extensions (like product liability, public liability, or professional indemnity) make sure your unique risks are included. - Is my bicycle covered for timed events?
Not always. Many policies exclude races – unless you choose a policy that covers them.
Why “Ask Us the Questions” Matters
At Renewed Group, we believe no question is too small, silly, or unusual when it comes to protecting your assets. Insurance isn’t about assumptions – it’s about clarity, protection, and peace of mind. Whether it’s Agri Insurance, Bicycle Insurance, Commercial Insurance, or Liability Insurance, our experts are here to give you straight answers and tailored solutions.
So go ahead – ask us the questions. We’ve got you covered.