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Simple, tailored cover. Real peace of mind. Whatever you're protecting — a car, a household, a fleet, or a business — we start with your risk, not a one-size-fits-all policy. Here's how we cover what matters most.
Comprehensive protection for anything on wheels — from your everyday car to a full commercial fleet. Whether it's a single personal vehicle, a small business bakkie, or a heavy commercial fleet on the road every day, we structure cover around how the vehicle is actually used. Personal and business vehicles are covered comprehensively against accident, theft, and damage. For commercial and transport operators, we go further — goods in transit, fleet and multi-vehicle policies, cross-border cover, and add-ons like tracking, dash-cam monitoring, and driver risk assessments to help keep your vehicles, cargo, and drivers protected on every route. Whatever you're driving — and whatever you're carrying — we'll help you find cover that fits.
South Africa's only tailored insurance for driving schools — cover built for risks a standard motor policy was never designed for. Vehicles used by multiple instructors and learners, windscreens and panels exposed to extra knocks during lessons, cones and equipment that need replacing, and the real risk of lost income if a car's off the road — DriveSure covers your instruction vehicles, instructors, and day-to-day operations in one smart, compliant policy, so none of that catches you off guard. Stay protected on the road and in the classroom, with cover that understands your world.
Protect your home, apartment, or valuables with insurance designed to fit your lifestyle. Whether you own or rent, our flexible cover options safeguard your property against damage, theft, and unexpected events — from the structure of your home to the contents inside, like electronics, furniture, and personal treasures. We also cover the things that don't always come to mind until they're needed: geysers, garden and outdoor equipment, personal liability, and cover for your belongings even when you're away from home. You're covered without confusion or unnecessary extras — just protection that matches how you actually live.
Comprehensive protection for your business premises, employees, and day-to-day operations. Whether you run a small office, retail store, or larger enterprise, our tailored insurance solutions safeguard your assets, staff, and liabilities — from property damage and equipment to liability and business interruption. We also work with businesses that need more specialised cover: professional practices, hospitality and food service businesses, churches and non-profits, and other industries with their own unique risks. If your business doesn't fit a standard policy, that's exactly the kind of conversation we're built for.
Know exactly what’s included, with no hidden clauses, no fine print, and no surprises.
Get paid out quickly with hassle-free claims when you need them most, so life or business keeps moving forward.
From personal to business needs, our policies adapt to fit your unique risks, lifestyle, and industry.
Speak to an advisor who knows your name and your story, not a call centre queue.
Reliable protection for what matters most, backed by trusted providers and proven processes.
Need more? Add gap cover, cyber crime protection, or travel insurance whenever it suits you—no fuss, no delays.
Extra protection made simple. Add what you need, only when you need it.
Safeguard your business from digital threats such as data breaches, ransomware, and online extortion, with cover designed for today’s risks.
Covers the shortfall between your vehicle’s insured value and your loan balance if your car is written off, giving you financial breathing room when it matters most.
Keep your car looking its best with cover for minor cosmetic damage that doesn’t affect your no-claims bonus.
Covers or reduces the excess you’d normally pay on a claim, helping you avoid unexpected out-of-pocket expenses.
Whether local or abroad, enjoy cover for medical emergencies, cancellations, lost luggage, and more, so you can travel with complete peace of mind.
Insurance rooted in service, not sales.
Three Peaks Insurance Brokers was founded in 1989 — over three and a half decades of helping South African individuals and businesses find business and personal insurance that actually fits. As an FSP-registered broker, we take the time to understand your world first, then tailor your cover and quotes around your real risks and needs. When you're with us, you have your own broker — someone who knows your name and your story, and who's there to walk the journey with you, especially when it comes to claims. Getting you covered is just the start; being there when something goes wrong is the real job of a broker, and it's the part we take most seriously.
Getting the right business and personal insurance in place is simpler than you think — here's how it works.
In no time at all, we'll understand your specific needs and risks.
Once you're signed up, your cover kicks in, with your broker on standby whenever you need them.
We'll tailor a policy that genuinely fits your life or business — not a generic package.
Ask anything. We’re here to help.
We offer a wide range of insurance solutions, including:
Personal insurance: Home, contents, and vehicles
Business insurance: Assets, liability, and more
Specialised cover: Including DriveSure for driving schools
Our expert brokers will assess your specific needs and recommend a personalised solution that fits your budget and risk profile.
Premiums are determined based on:
