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.
"I'm renting my first flat and only needed kitchen and electronics. Paying R 86 a month feels fair — not the R 400 the big guys quoted."
"Added geyser cover the week before mine burst. Settled without a fight. That's all I ask for."
"Finally an insurer that shows the price upfront. No agent phoning me at supper. I built my own cover in ten minutes."
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.