What we offer

Our Products




Imagine your insurance had a built-in investment component, growing over time allowing your insurance premium to fall. This is what we do.

Our insurance is structured so that a portion of your premiums is invested as savings to help you build wealth while you enjoy the best cover.

Our comprehensive Motor, household and business insurance is structured so that a portion of your premiums is invested as savings into a Savings Fund. The funds are invested through a trusted financial institution/bank, and all the money from your fund belongs to you.

Over time, as your fund grows, we can change excesses on your policy to further drop your premiums so that your savings can grow even faster, or instead of boosting the savings we can always just drop the premiums to improve your cash-flow.

Over time as your savings fund grows it can be used to change and pay for excesses to lower premiums even further.

The further saving can also be channeled to your investment allowing compound return on your money to work for you.

The less you claim the bigger the chunk of the premium that you keep in your investment.

Hybrid Classic

Comprehensive insurance, including:

  • Fully Comprehensive insurance cover.
    That we customize according to your needs
Hybrid Premium

Comprehensive insurance, including:

  • Savings fund
  • Upgraded car hire
  • All Risk Blanket cover for your portable items like phones and golf clubs - R 75 000
  • Accidental damage cover - R 50 000
  • Geyser wear and tear cover included
  • Home and roadside assist
  • Extended Personal Liability cover - R 10 000 000
  • Drive me home service (6 times per year)
Hybrid Adventure

Comprehensive insurance, including:

  • Savings fund
  • Upgraded car hire
  • All Risk Blanket cover for your portable items like phones and golf clubs - R 75 000
  • All Risk Gear cover – R 30 000
  • Accidental damage cover - R 50 000
  • Geyser wear and tear cover included
  • Home and roadside assist
  • Extended Personal Liability - R 10 000 000
  • Drive me home service (6 times per year)
  • Mechanical breakdown cover authorised by client - R 7 500
  • Automated 4x4 cover extention
Hybrid Risk Management Personal Cover

We cover any of the following:

  • Motor
  • Household content
  • Buildings (homeowners insurance)
  • Personal liability
  • Portable possessions (Cell phones, laptops etc.)
  • Accidental damage
  • Power surge
  • Lightning damage
  • Storm damage
  • Fire
  • Theft
  • Identity theft
  • Trauma
  • Home and Roadside assist
  • Drive me home services
Hybrid Commercial / Business Cover

We cover any of the following:

  • Fire
  • Buildings
  • Stock
  • Office contents
  • Motor / Truck
  • Electronic goods
  • Goods in transit
  • Professional liability
  • Public liability
  • Contractors liability
  • Defective workmanship
  • Products liability
  • Prevention of access
  • Motor traders

Hybrid Logo

Hybrid Risk Management (Pty) Ltd. Is an Authorised Financial Services Provider FSP #40615 Terms and Conditions apply.