FAQ

We deliberately do not insure everything. Vitari specialises in six sectors we understand deeply: transport and trucking, fuel distribution and environmental risk, agriculture, game lodges and hospitality, commercial property, and industrial and manufacturing operations. If your business falls outside these sectors, we will say so upfront rather than learn your industry at your expense.

Vitari operates in partnership with Clanfin, an FSCA-registered short-term insurance broker — every policy we structure is placed through a licensed FSP. Vitari's own FSCA broker licence is in progress, with registration targeted for December 2026. We publish this openly because we demand transparency from insurers, and it would be odd not to hold ourselves to the same standard.

A written report, delivered within 5–7 working days of receiving your policy schedule: every cover line assessed for adequacy, gaps and uninsured exposures flagged, premiums benchmarked against the market, and corrective actions ranked by priority. It is not a sales presentation — it is a document you could hand to your current broker. Judge for yourself: we publish a genuine redacted example.

There is no catch, and the numbers explain why there does not need to be one. Audits in our specialist sectors typically identify 15–30% of addressable premium inefficiency or at least one material coverage gap — findings strong enough that many businesses move their programme to us afterwards. If we find nothing, we tell you so in writing, and you walk away with free confirmation that your current broker is doing their job.

No. The audit reviews your existing programme exactly as it stands — nothing obliges you to move, and your broker need not be involved. If the findings do justify a change, switching brokers in South Africa is more straightforward than the industry likes to suggest; we have published a plain-language guide to doing it without losing cover.

A cell captive is a ring-fenced underwriting cell inside a licensed insurer. Your premiums fund your own cell, and if the cell underwrites profitably, the surplus accrues to the cell owner rather than to a conventional insurer's shareholders. It suits businesses with annual premiums above roughly R1 million and a claims record consistently better than the market. One caution: a cell captive is not a tax structure, and anyone who sells it as one should worry you — see our analysis of the 2026 Meiring judgment. Full detail on our cell-captive page.

Standard risks are quoted within 48 hours; complex fleet or industrial programmes take three to five working days of proper underwriting. But we would rather start with the audit than the quote: a competitive price against the wrong specification is just a cheaper version of the same gaps. The audit establishes what the right specification actually is — then the quote means something.

A properly structured fleet programme covers own damage, third-party liability, goods-in-transit, hijacking and theft extensions, cross-border cover for every country your vehicles enter, and business interruption for logistics downtime — typically from three vehicles upward. The wording matters more than the list: the average South African fleet operator is underinsured on goods-in-transit by around 40%, usually because limits were set at inception and never recalibrated to current cargo values.

All of South Africa, with cross-border programme design for operations into Mozambique, Zimbabwe, Zambia, Namibia and the wider sub-Saharan region. Cross-border exposure is standard for our transport and fuel clients — and one of the most common gaps in policies written by brokers who never asked where the trucks actually go.

Goods-in-transit limits that ignore current cargo values, sums insured that have not tracked replacement costs, business interruption cover that is absent or set arbitrarily, claims-made liability wordings with unchecked retroactive dates, and policies renewed year after year without ever being re-read. These gaps compound quietly — which is why every Vitari client programme is reviewed twice a year, no exceptions.