Who we are and what we stand for


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Since its arrival on the short-term insurance scene in 1999, Mont Blanc Financial Services has established itself as a serious and dynamic industry player. Although the company is still only in its adolescence, it is changing the face of modern insurance as we know it, and has matured into one of South Africa’s premier independent short-term brokers while always aspiring to reach new heights and break new ground.

We strive to retain and grow our client base through providing solid, reliable, technically-correct and innovative advice to address any insurance, risk management and financial needs. We strive to create and maintain a close working relationship with our clients, which is why we consider them more as partners.

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Our Specialist Suite Of Products


Personal Insurance

Personal Insurance

Individuals, businesses and families all face risks daily. Motor accidents, theft, fire and natural disasters are part of life and can occur at any time. Recognising this, Mont Blanc Financial Services’ short-term insurance provides innovative, intelligent cover and service solutions designed for people who need more than conventional mass-market insurance.

Our range of insurance products allows customers to choose their level of cover. From basic insurance for the budget-conscious client to comprehensive top-shelf cover for those seeking maximum protection, we offer the best personal insurance at affordable premiums, and our highly trained and dedicated staff provide personal care to cater to all our clients’ specific needs.

We believe in the personal touch. Why not arrange a free consultation with one of our personal portfolio managers to ascertain your needs and recommend the best solution for you?

  • Motorcycles

    Motorcycles

    Our motorcycle insurance offers comprehensive cover, light cover or third-party cover. Comprehensive motorcycle insurance offers you indemnity, protection and repair, delivery after repair, as well as medical expenses and trauma cover. Theft and hijack cover is included in the comprehensive package. Unless otherwise specified, we cover motorcycles at retail value.

    Vehicles

    Choose between comprehensive cover, light cover or third-party cover for your private vehicle, light delivery vehicle or 4x4. Comprehensive cover includes indemnity to you, protection and repair (including windscreens), delivery after repair, medical expenses, breakdown, emergency hotel expenses, vehicle sharing, trauma, and replacement of a new vehicle. Theft and hijack cover is optional in our comprehensive package. Unless otherwise specified, we cover vehicles at retail value.

    Pleasure craft

    We provide cover for vessels designed not to exceed 43 knots (80km/h). Our comprehensive insurance for pleasure craft includes cover for accidents, fire, lightning, malicious acts, loss of or damage to outboard motors (provided they are securely attached), latent defects, or theft or attempted theft. Optional extras include cover for emergency and transit charges, transit risks and yacht-racing risks. Related personal effects – such as diving, fishing or skiing equipment – must be insured separately.

    Caravans and Trailers

    Comprehensive cover for caravans and trailers means that in the event of an accident, you are covered for the damage to your own property as well as any damage to other people’s property. This insurance provides you with indemnity, protection and repair, and delivery after repair. Unless otherwise specified, we cover caravans and trailers at retail value. You can opt to pay an additional premium to cover your caravan’s contents.

  • Property Insurance

    Household Contents

    Keep us updated when you renovate your kitchen or buy a smart TV. We’ll cover the contents of your home for their current replacement value. We cover a wide range of causes for damage or loss, including theft, damage through deliberate or wilful acts, or those arising from natural phenomena. More comprehensive cover can include guests’ or employees’ property, trauma, theft in transit, or damage to the garden.

    Buildings

    Insure your private residence and other structures, installations or machinery on your property. We’ll cover most things, from swimming pools and driveways to satellite dishes and boundary walls. We’ve got your back for theft or burglary, burst pipes, falling trees, fire, lightning, wind, rain or hail, among many other things. You can also get limited cover for things like security guards, loss of water or rent, and legal liability arising from ownership of property.

    All Risks

    We offer cover for personal items you take out of your home regularly, such as sporting equipment, cameras, binoculars, jewellery, clothing, cellphones, laptops and tablets. If you specify the item and prove its value, we’ll insure it for the cost of a replacement. If you don’t specify the item, we’ll assume it costs R1 000 or less, unless you upgrade to global cover of R5 000 per unspecified item.

    Computer Equipment

    This cover is exclusively for the physical loss of or damage to personal computers, laptops, tablets, palmtops, printers, scanners, and such. It covers the items while in use or otherwise, as well as for mechanical and electrical breakdown. Cost of reinstating data on data-carrying media can also be included under this section.

  • Liability Insurance

    Vehicle Liability

    Get cover for legal liability to other parties arising from an accident involving your vehicle resulting in death or bodily injury to others, as well as accidental loss of or damage to another person’s property.

    Personal Legal Liability

    We’ll cover you for compensation for which you’re legally liable after an accident, such as death or injury to third parties, or loss of or physical damage to property. This cover indemnifies you and includes cover for tenants, credit card or SIM card fraud, wrongful arrest, security or garden services, and hole-in-one cover (something any golfer worth his salt will tell you is essential).

    Extended Personal Legal Liability

    Buy additional peace of mind with cover that provides extended insurance for personal legal liability, vehicle liability and pleasure craft liability.

    Water Liability

    Cover yourself for legal liability to other parties arising from an accident involving your pleasure craft that results in death or bodily injury to others, or accidental loss of or damage to another person’s property. This includes some cover for liability of water-skiers or parasailers, liability if another person navigates the insured craft, and costs for lifting out, removing or destroying the vessel.

    Legal Access

    Make sure you’re covered for expenses incurred through legal action in connection with family members, such as divorce, custody or maintenance suits. Legal costs and expenses will be taxed in accordance with the insurer’s fixed rate. The insurer’s consent must be given prior to the pursuance of any legal action under basic cover.

    Personal Accident

    We’ll make sure you’re compensated in the event of your death or permanent total disablement, or that of your spouse or dependant children between the ages of 21 and 25, provided they are in full-time education and living with you. Permanent total disablement means absolute incapacity from usual business or occupation that arises from bodily injury directly as a result of violent, accidental, external or visible means.

Commercial Insurance

Commercial Insurance

Mont Blanc Financial Services’ commercial department is a premier provider of insurance products and services for all classes of commercial insurance. This highly specialised division caters for a wide range of commercial insurance products, from body corporates and transport industry-related cover to public liability and cover for deterioration of stock.

Our tailor-made commercial products and solutions range from general businesses to specialised or niche markets, sometimes requiring alternative coverage because of the specific nature of certain business structures and/or models. If need be, we restructure existing policies to obtain more competitive premiums. Drawing from our extensive range of insurance facilities, we will protect your business and staff in the most cost-effective manner, resulting in you effectively protecting your assets and reducing your risk exposure.

We pride ourselves as a market leader dedicated to finding appropriate solutions and providing commensurate levels of service to companies whose size and/or complexities demand innovative and integrated approaches to risk management.

We believe trust is built on our strong financial position, consistency, and underwriting and claims settlement expertise. We are more than just insurance brokers – we are businesspeople who understand the complexities of companies, which is why we provide innovative risk management solutions for the most challenging of insurance problems.

Give us a call for one of our professional risk managers to assist you in finding the most suitable cover for your specific needs.

  • Commercial

    Body Corporates

    Our body corporate cover includes buildings, geysers and tenant liability.

    Transport and Passenger transport Industries

    Cover in the transport industry relates to any type of transport, goods in transit, delivery vehicles and liability. Our passenger transport cover includes luxury and semiluxury coaches, mini coaches, open game-viewing vehicles, route buses, tour operators and taxis

    Engineering Risks

    We cover machinery breakdown, machinery breakdown owing to business interruption, plant all risks, deterioration of stock, transit and erection, electronic equipment, contract works and works damage

    Special Liabilities

    This special cover encompasses products including design and formulation, inefficacy, product guarantee and recall, umbrella liabilities (including difference in conditions), spread of fire, contracting liabilities, combinations of the above, products and defective workmanship, employment practices liability, and directors and officers liability

    Specialist Tradesman

    This cover is extended to plumbers, electricians and risks associated in the manufacturing process

    General Business

    This cover includes, but is not limited to, offices, schools, retail risks, filling stations, guesthouses

    Professional Indemnity

    Cover provided for professionals such as accountants, engineers and quantity surveyors, architects and town planners, estate agents, attorneys, as well as various emerging professions and any individual/company providing professional advice. We also cover in the event of medical malpractice

    Motor Risks

    Our cover extends to driving schools, ambulance services, courier services, vehicle-hire companies, motor traders, marine/goods in transit/import and export cargo, sea freight, road freight, air freight, consequential loss (advanced loss of profits) and watercraft

    Agriculture

    Our agriculture cover includes a wide range of products for the farming industry

    Self-Insurance

    We offer a wide range of tailor-made self-insurance solutions

    Hospitality / Tourism, Leisure And Entertainment

    Our cover in the hospitality/tourism, leisure and entertainment industry extends to restaurants, guesthouses, lodges, B&Bs, hotels, caravan parks, game farms and sports clubs

    Stated Benefits

    Damage for which the insured shall be legally liable following the death of, bodily injury to or illness of any person employed under a contract of service or apprenticeship with the insured that occurred in the course of and in connection with such person’s employment by the insured. Automatic extensions include extended reporting, principals and a memorandum. This section does not cover death, injury, illness or liability directly or indirectly caused by or related to or in consequence of war, invasions, act of a foreign enemy, hostilities (whether war be declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power

    Employer's Liability

    This cover relates to bodily injury caused by accidental, violent, external and visible means to any principal, partner, director or employee of the insured specified in the schedule. Optional extensions include business limitation, burns or disfigurement. Automatic extensions include exposure, disappearance and life-support machinery

    Group Personal Accident

    We cover bodily injuries caused by accidental, violent, external and visible means to any principal, partner, director or employee of the insured, as specified in the schedule. Optional extensions include business limitation and burns disfigurement.

    Automatic extensions include exposure, disappearance and life-support machinery

  • Motor

    Motor - Specified Vehicles/Fleets

    This cover includes loss of or damage to any vehicle described in the schedule and its accessories and spare parts while thereon; as well asliability to third parties, in respect of liabilities to the compensation limits stated in the policy

    Medical expenses are covered in terms of medical costs for passengers (private vehicles only). This includes: comprehensive cover; comprehensive cover excluding theft/hijacking cover; comprehensive cover with limited theft/hijacking cover; third party with fire and theft cover; third party only; third party excluding fire/theft/hijacking cover; and third party with fire and limited theft/hijacking cover

    Liability cover available includes subdivision B liability, passenger liability, unauthorised passenger liability, contingent liability, and parking facilities and movement of third-party vehicles

    Standard extensions include windscreens/windows, riots and strikes (except South Africa and Namibia), wreckage removal, loss of keys, fire extinguishing charges extension, medical expenses per injured occupant, credit shortfall

    Nonstandard extensions include loss of use, rent of vehicle and no-claim bonus insurance

    Extended territories (reparation costs included): Kenya,Madagascar, Mozambique, Tanzania, Uganda and Zambia

    Limitations: Radio, vehicle telephone, CD player, mag wheels

    Excess: Basic first amount payable, theft and/or hijacking (normal excess)

    Group Personal Accident

    Cover extends to bodily injury caused by accidental, violent, external and visible means to any partner in or of or any director or employee of the insured specified in the schedule

    Motor Traders - Internal Risks

    Cover for damage to the insured vehicle and accidental loss of or damage to vehicles belonging to the insured while on the insured premises only: liability to third parties, or liability to third parties (person, property, or vehicle)

    Cover options: comprehensive or balance of third party only

    Motor Traders - External Risks

    Cover for loss of or damage to the insured vehicle and accidental loss of or damage to any insured vehicle including the spare wheel(s) and standard issued tools, accessories and spare parts of the insured vehicle while attached thereto: liability to third parties, or liability to third parties (person and property)

    Cover options: comprehensive; balance of third party only; balance of third party, fire and theft; or electronic equipment

    Cover for MATERIAL DAMAGE extends to physical loss of or damage to the insured property while in use or while not operating and during dismantling for the purpose of cleaning or repair/renovation and the re-erection thereof on the insured premises

    CONSEQUENTIAL LOSS entails increased cost of working regarding all additional costs and expenses necessarily and reasonably incurred for the sole purpose of preventing or minimising the interruption of or interference with the business.

    Cover is extended for REINSTATEMENT OF DATA in terms of the cost of reinstating data on data carrying media.

    Machinery Breakdown

    Any unforeseen and sudden physical loss of or damage in respect of an accident to the insured machinery and equipment as a result of mechanical or electrical breakdown whether they are at work or at rest or being dismantled for the purpose of cleaning or overhauling, or in the course of aforesaid operations themselves, or when being shifted within the premises or during subsequent re-erection

    Machinery Breakdown - Business Interruption

    Loss as a result of any machinery and plant (insured against machinery breakdown) used for the purposes of the business being affected by an accident and consequently the business being interrupted or interfered with

    Deterioration Of Stock

    Loss of or damage to the insured property caused by deterioration because of any unforeseen physical loss of or damage to the machinery specified in the machinery breakdown section and indemnifiable under the machinery breakdown section in force

    Homeowners

    Building of your private residence (registered in your company name, such as trusts) and all other private outbuildings; tennis courts; swimming pools (excluding movable pools); machinery; borehole machinery (domestic use only); satellite dishes; boundary and other walls; gate posts; gates (including machinery thereof); fences (excluding hedges); paved and surfaced areas (including driveways) of brick, concrete, asphalt or stone (excluding gravel); and fixtures and fittings belonging to the owner while in or on the private residence

    Insured perils

    The following cover is included automatically: fire; lightning; thunderbolt; subterranean fire; explosion; storm; wind; water, hail or snow; theft or attempted theft; burglary or attempted burglary; malicious damage; earthquake; bursting and damage to water tanks, apparatus or pipes; accidental leakage of oil from heaters; falling trees or impact by vehicles, animals, falling trees, aircraft and other aerial devices; collapse or breakage of aerial systems, as well as damage to them

    Public supply connections are covered where there is accidental damage to public supply or mains connection (water, gas, electricity, sewerage and telephone connections). Cover extends to loss of rent, and is extended to legal liability arising from the ownership of the property

    House Contents

    Cover is provided for household contents (registered in your company name, such as trusts) against insured events such as: fire; lightning; explosion; deliberate or wilful acts; storm, flood, wind, rain, hail or snow; earthquakes; bursting, leaking or overflowing of water tanks; sudden damage to any building; and theft or attempted theft from the dwelling as stated in the schedule. Loss of rent is covered

  • Heavy Haulage

    Heavy Commercial Haulage - Motor

    (a) Private-type motorcars (including station wagons, utility vehicles including 4X4s and the like, safari vans, estate cars and the like, or similar vehicles designed to seat not more than nine persons including the driver) and commercial vehicles or light delivery vehicles of which the carrying capacity does not exceed 1 500kg.

    (b) Commercial vehicles and special-type vehicles (including but not limited to forklifts, tractors excluding front-end loaders, bulldozers, graders, earth-moving equipment and similar mobile plant used on a commercial development) as described in the schedule with a carrying capacity exceeding 2 000kg.

    (c) Motorcycles (including motor scooters, three-wheeled vehicles and ATVs).

    (d) Buses (including any vehicle used for business purposes and designed to seat more than nine persons including the driver).

    (e) Trailers and caravans, defined as any vehicle without means of self-propulsion designed to be drawn by a self-propelled vehicle, but excluding any parts or accessories not permanently fitted thereto

    *Note that there is an applicable repatriation clause

    An optional basis of indemnity is applicable whereby policies can be issued on one of the following options: market value (trucks and trailers), retail value (trucks only), or replacement value (private-type vehicles and light delivery vehicles only)

    *Note that cover for private-type motorcars (including station wagons, utility vehicles including 4X4s and the like, safari vans, estate cars and commercial vehicles or light delivery vehicles of which the carrying capacity does not exceed 1 500kg) is automatically issued on retail value

    Extensions automatically included: Temporary repairs without the consent of IUM for R10 000; windscreen cover unlimited at no additional cost (comprehensively insured vehicles only); loss of keys for R10 000; fire extinguishing charges for R10 000; and wreckage removal, towing charges, storage and release fees, search and recovery costs for R15 000 per registration number

    Liability cover automatically included

    In terms of subsection B regarding third-party liability up to R10 000 000 (for South Africa, Namibia, Botswana, Lesotho, Swaziland, Zimbabwe, Malawi and Mozambique; subsection B in terms of third-party liability up to R2 500 000 (for Zambia, Tanzania, Kenya, Uganda, Angola and the Democratic Republic of Congo not further north than Kolwezi); a contingent liability up to R2 500 000; parking facilities and movement of third-party vehicles up to R2 500 000; fire and explosion up to R2 500 000; passenger liability up to R2 500 000 (private-type motor and light delivery vehicles only); unauthorised passenger liability up to R2 500 000 (private-type motor and light delivery vehicles only); and an accumulation limit up to R30 000 000 per premises/depot

    *Note: It remains compulsory to take out third-party insurance at borders when travelling to other countries in Africa

    Optional extensions

    Riot and strike (other than South Africa or Namibia); extended wreckage removal in terms of leakage of fuel from truck’s own fuel tank; credit shortfall; vehicle hire/loss of use [definition (a) vehicle only]; downtime (loss of use) cover [definition (b), (d) and (e) vehicles only]; vehicle canopies; cross-border recovery and towing costs; excess reducer options available; own damage (theft and/or hijack excluded); theft and hijack; and third-party liability (franchise basis)

    DESCRIPTION OF USE OPTIONS: Private, business, fare-paying passengers, hire-out vehicles, heavy commercial haulage (goods in transit)

    Heavy Commercial Haulage - Goods In Transit

    BASIS OF INDEMNITY INDEMNIFICATION under this policy shall be limited to one of the following: In respect of new goods, the value of goods as advised to the insured by the cargo owner, limited to the invoice value of goods and freight (if not included in the invoice value), but where no invoice exists, the actual value as determined by the company and/or catalogue price current at the time of loss plus transport charges where incurred; in respect of second-hand goods, the market value as determined by the company; or the sum insured stated in the schedule

    OPTIONAL EXTENSIONS: Riot and strike (other than South Africa or Namibia); fraud and fidelity; overloading (5% over legal limit); deterioration of stock following breakdown or malfunction of refrigeration machinery; incorrect temperature settings; tarpaulins, ropes, nets, straps, chains, corner binders, dunnaging, packaging materials, receptacles, covers, boxes and labels; salvage/recovery of load costs/debris removal/clean up costs; container cover; 6m containers; 12m containers; refrigerated containers; leakage of load; contamination of load; and storage at specific premises stated in the schedule

    Territories available to be included:
    • South Africa
    • Namibia
    • Botswana
    • Lesotho
    • Swaziland
    • Zimbabwe
    • Malawi
    • Mozambique
    • Zambia
    • Tanzania
    • Kenya
    • Uganda
    • Angola
    • Democratic Republic of Congo not further north than Kolwezi

    Heavy Commercial Haulage - "Stand Alone" Products

    These products are as follows: motor excess reducer options available (private cars, light delivery vehicles, commercial vehicles, buses, trailers and special types); own damage (theft/hijack excluded) with basic excess; own damage (theft/hijack excluded) with penalty excesses; theft and hijack; third-party liability (franchise basis); hazardous chemicals/pollution liability

Lifestyle Insurance

Lifestyle Insurnace

Standard personal policies don’t cover lifestyle and leisure items. Here’s where we start to get niche, with a wide range of cover to give you added flexibility and appropriate cover for any leisure vehicles or watercraft, as well as on-road, off-road or track motorcycles.

  • Motorcycles

    Motorcycles

    We provide cover for motorcycles, quad bikes, three-wheelers, scooters, cruisers and trailers owned by you and/or your family for private use. This includes accessories and spare parts while on the vehicle . Third-party liability is included up to the limits of indemnity stated in the policy schedule.

  • Watercraft Insurance

    Pleasure Crafts

    The various types of watercraft we cover include canoes, catamarans, rubber ducks, speedboats, yachts and Jet Skis. We’ll cover your craft no matter the size or the style, provided it’s for private use. Cover includes the accessories and spare parts while in or on the craft . Third-party liability is included up to the limits of indemnity stated in the policy schedule. Cover can be extended to include liability for water-skiers and passengers.

Employee Benefits

Employee Benefits

If you’re reading this, you’re alive, and chances are you have a whole lot of plans ahead. Ensuring you are covered adequately from a personal perspective can be a daunting task. Mont Blanc Employee Benefits will eliminate the guesswork for you by taking care of you and working with you to formulate solutions that will best suit your needs and your pocket. We offer a full range of products, from life and disability cover to investment options.

Employers can rest assured our specialist team will be able to construct employee benefits their employees will value.

  • Long Term Insurance

    Retirement Funds

    We cater for employee pension and provident Funds (standalone and umbrella funds) as well as RAs and preservation funds. With new legislative requirements coming into effect as well as those still in the pipeline, our specialists are at hand to assist and provide advice on implementing correct structures.

    Group Risk Benefits

    Lifestyle insurance is a unique niche product that is designed to insure specific lifestyle items. MBFS offers a wider range of cover for the leisure industry normally for which most options are excluded from your standard conventional personal policy. The Leisuresure product is designed to give added flexibility and appropriate cover for any type of leisure or watercraft vehicle.

    Our motor cycle product is suited to anyone and all types of riding, Onroad, Offroad and TrackDays.

    Group Life Cover

    Lifestyle insurance is a unique niche product that is designed to insure specific lifestyle items. MBFS offers a wider range of cover for the leisure industry normally for which most options are excluded from your standard conventional personal policy. The Leisuresure product is designed to give added flexibility and appropriate cover for any type of leisure or watercraft vehicle.

    Our motor cycle product is suited to anyone and all types of riding, Onroad, Offroad and TrackDays.

    Disability Cover

    Either lump sum capital disability, based on a multiple of the employee’s annual salary or monthly income protection based on 75% of the employee’s monthly salary.

    Dread disease / Severe illness

    Pays out a multiple of the employee’s annual salary in the event of the employee contracting one of the listed illnesses, such as cancer.

    Funeral Cover

    Funeral cover provides peace of mind for you and your family against the unexpected costs associated with a funeral.

    Business Insurance

    With a buy and sell policy, the needs of business owners are addressed in the event of death and disability of one of the owners. This policy also enables continuity in businesses and addresses the needs of the deceased or disabled owner’s dependants. Key person insurance covers the business from financial loss as a result of the death or disability of key persons.

    Individual Policies

    Numerous life-changing events will no doubt take place during your lifetime. Our products cater for all the planned and unforeseen events in your life.

    Life Cover

    We provide cover that will financially take care of your loved ones or cover debt in the event of your death.

    Investments (Endowments, annuities, unit trusts and educational policies)

    Whatever your investment needs, we can create a personal investment portfolio for you through a rage of investment vehicles.

    Wills

    Make sure that your wishes are carried out after your death. We provide specialist advice to draft your will, in line with your particular estate-planning strategy.

    Medical Aid

    Medical schemes offer a range of benefit/plan options, including basic care through network-designated service providers and fully comprehensive plan options covering all medical needs. Medical insurance or gap cover pays out a specified amount if an insured event occurs. The main purpose is to supplement medical scheme cover so the additional cover is in place to pay major medical expenses.

    Term Life

    This cover is normally for a specified term and is generally used as security for debt over a specific period, for example, your home loan.