Build your cover.
Pay only for what you need.
Pick the modules that match your home, choose a cover band for each, and watch your premium update live. Real cover, from R 39.00 a month.
Cover in three steps — no jargon, no surprises.
Choose your modules
Switch on the cover your home needs — buildings, kitchen, geyser, electronics and more. Skip the rest.
Pick a cover band
Set how much each module pays out with three simple bands. Your premium updates live as you choose.
You're covered
Confirm, pay your first premium, and manage everything from the FlexiFocus app whenever you need it.
Pairings that balance your cover.
Nine building blocks — pick what fits.
Buildings
Your home structure, walls, roof, floors, fixtures and permanent installations.
Geyser Cover (Burst Only)
Sudden and unforeseen geyser bursts and resultant water damage. NOT a maintenance plan.
Kitchen Essentials
Fridges, stoves, ovens, microwaves, dishwashers, washing machines and all kitchen appliances.
Bedroom Basics
Beds, mattresses, wardrobes, clothing, linen and bedroom furniture. Moth damage and wear excluded.
Lounge Furniture
Sofas, tables, cabinets, curtains, carpets and décor. Includes accidental upholstery staining.
Garage Tools
Power tools, hand tools, garden equipment and lawnmowers stored in locked garages or sheds.
Sporting Equipment (Theft Only)
Bicycles, golf clubs, fishing gear and sports equipment. Theft cover only — damage in use excluded.
Electronics Protection
Laptops, tablets, TVs, gaming consoles, smartphones and smart home devices. Accidental damage included.
Personal Valuables
Jewellery, watches, cameras and collectibles. Optional all-risks cover for theft away from home.
Only pay for what you need
Every module is optional. Leave out what doesn't apply and your premium drops with it — no padding, no bundled extras.
See the price before you commit
Each module and band shows its premium as you build. The number on screen is the number you pay. No surprises.
Backed by Bryte Insurance
Your cover is underwritten by one of South Africa's leading insurers, so the protection behind your policy is rock solid.
Insurance, made plain.
What “first-loss” really means for your premium
The one idea that lets you cover your home properly without paying to insure everything at once.
How to make a household claim that gets paid
A short, honest checklist — what to photograph, what to keep, and what slows a claim down.
Insuring the valuables you actually carry
Watches, rings and devices leave the house with you. Here's how to cover them properly.
Your home, your rules. Cover that fits.
Build a policy in minutes and see your premium update live — before you commit.
Build your cover →