UNIGRO Insurance Brokers has vast knowledge of and experience in all aspects of short-term and life insurance.
Our relationships with all major insurers, along with our ability and experience to understand risks, provide us with a competitive edge.
We are able to assist clients in identifying potential risks and provide tailor-made solutions to mitigate those risks. We pride ourselves in providing quality service not only to small commercial and industrial clients but also to larger commercial and corporate clients, especially those involved in the agricultural sector. Our ability to issue policy documentation on-site enhances our service offering, a function endorsed by a number of major insurers.
Rising interest rates, food prices, input and production costs and a decrease in the producer’s securities, makes Crop Insurance a necessity.
This product caters for not only your established farmer but also your emerging farmer who requires credit products that can be secured with crop insurance policies.
We are able to provide insurance underwritten by prudent insurers, covering hail, extended hail, wind, transit, fire, frost and multiperil. Our specialised team are available to discuss your needs with you.
Short-term Insurance is a contract between you and the insurer covering your assets in the case of damage or loss. The contract stipulates that the Insurer will pay you a set amount of money, or will replace or repair your asset in the event of the damage or loss.
Our vast years of experience and expertise enable us to assist you in identifying potential risks, tailor make solutions and wherever possible, to mitigate those risks. We pride ourselves in providing quality service and advice to private individuals, commercial, industrial and corporate clients, especially those involved in the agricultural sector. Our ability to issue policy documentation on site, enhances our service offering to our clients, a function endorsed by a number of major insurers.
Commercial, Industrial, Corporate and Agricultural
With years of experience, we are able to assist clients in identifying potential risks and tailor make solutions, to mitigate those risks. We pride ourselves in providing quality service to not only small commercial and industrial clients but also larger commercial and corporate clients especially those involved in the agricultural sector. Our ability to issue policy documentation on site, enhances our service offering to our clients, a function endorsed by a number of major insurers.
Examples of cover being: Assets All Risks, Liability, Business Interruption/Loss of Profits, Motor, Fidelity, Guarantee/Commercial Crime, Financial/Performance Guarantees.
Alternatively known as Domestic Insurance, UNIGRO Insurance Brokers have developed expertise over many years both on service and product knowledge relating to clients’ personal portfolios.
This has translated into offering our clients a competitive product at an equally competitive premium based on their loss history and lifestyle. Indemnity with regards to our motor product is on Retail Value and not Market Value in the event of a total loss, a basis of settlement often used by other service providers. Other benefits include a nil excess structure offered to retired people.
Medical Aid Solutions
Being the preferred broker to AFGRI, UNIGRO Insurance Brokers now handles the Discovery and ThebeMed Medical schemes for and on behalf of AFGRI Group Holdings. This approach has opened the door to all clients in providing expert Medical Aid advice with a selection of service providers.
Life and Credit Life Insurance
Credit Life Insurance is a decreasing term policy taken out by the consumer to cover the risks of a specific debt. The benefit reduces on a yearly basis as your debt reduces and is valid for the whole loan contract period. The benefit of this type of cover is that unlike most life policies, you are not required to provide evidence of good health.
However the application for this type of cover requires that you disclose any medical conditions that you are suffering from or that you may have suffered from previously.
This cover protects your dependents from having to pay for your debt. Credit Life Insurance not only pays in the event of your death, but may cover you in the event of you becoming disabled (occupation based) leaving you medically unfit for work, in order for you to earn an income and service the debt.
Personal Financial Planning
Your retirement plan and ongoing financial plans are vital. We assist you with advice on financial protection, concepts and goals. We then match product and investment structures to suit your individual needs.
Risk Planning is essential for all, especially those with dependents and debt obligations. We can assist in analyzing your current risk position and creating tailored Life Insurance, disability insurance and dread disease insurance options that mitigate these risks and provide financial peace of mind.
This aspect is often neglected and through our network of consultants we can ensure that you have a regularly reviewed and updated estate plan.
Retirement can be costly and most often your current retirement policy will not be sufficient, this can be supplemented via wealth creation through structured cost-effective investments.
- UNIHELP+ App
- SOS Emergency Service
- Roadside Assists
- Legal Assist
- Home / Office Assist
- Home Drive
- Access Waiver
- Scratch & Dent Cover
- Tyre & Rim Protect
- Car Hire
Game and Wildlife Insurance
UNIGRO Insurance Brokers has expertise in ensuring that you are covered with regard to capture cover, 30-days veld or boma cover, auction cover, post release stress, limited all risk cover and transit cover.
Game breeding has become big business in South Africa with animals ranging from tens of thousands to millions of Rands per animal. We offer comprehensive cover for your breeding animals ranging from accidents, diseases, forces of nature, malicious damage or poaching, capture, auction and past release cover.
Farm and Game Lodge Insurance
Essential insurance for every farmer and every farm. Cover against fire, flood, malicious damage, third party damage, liability, vehicles and equipment.
Insure your rifle, bow, shotgun, handgun, scope from as little as R50 per month and get free liability insurance worth R10 million.
Group solutions where buying in bulk makes a significant difference to cover and price. This cover is only available as a member of a hunting organisation, where the organisation takes out this cover for its members. Exclusive to UNIGRO, we can provide R50 million public liability cover in the event you are held liable for damage including R1 million legal defence costs as well as motor, personal accident or medical evacuation group cover.
The benefits of using our services:
- Consolidating all your insurance requirements
- Expert advice based on your needs
- A dedicated administration team
- Assistance with regards to compliance with legislation
- Industry updates on a regular basis
We pride ourselves in:
- The best advice based on your needs
- Putting our clients first
- Competitive premiums
- An excellent administration team is always available to help and assist where needed
- Efficient claims processing