Authorised Financial Services Provider · FSP 55248
Excessible (Pty) Ltd – Short-Term Insurance Broker

Trusted Short-Term Insurance Broker in Gauteng, South Africa

FSCA-regulated. Free audit tool. Affordable quotes.

Excessible helps individuals and businesses across Gauteng and South Africa save on insurance. Use our free audit tool to discover consolidation savings, missed discounts, and overlapping coverage — then get affordable quotes for motor, home, commercial property, cyber, e-hailing, and specialist cover.

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7+
Years in the Industry
18 hrs
Average Claims Turnaround
10+
Trusted Insurer Partners

How Much Could You Save?

Our free Insurance Waste Audit finds overlapping coverage, missed discounts, and consolidation savings — personalised to your profile.

See your potential annual savings in 3 minutes.

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Get In Touch

Ready for a Quote?

Our FSCA-licensed advisors serve clients across Midrand, Johannesburg, Pretoria, and South Africa. Already used our free audit tool? Contact us for your personalized quote. First time here? Run the free audit first to see your savings, then request your quote below.

Not sure how much you could save?

Run our free Insurance Audit to discover overlapping coverage, missed discounts, and consolidation savings — then get a personalised quote.

Excessible insurance advisor consulting one-on-one with a client
Office Address
61A George St, Glen Austin AH, Midrand, 1685
Phone / WhatsApp
010 534 7537  ·  WhatsApp us
FSCA Registration
Excessible (Pty) Ltd — FSP No. 55248
Authorised Financial Services Provider
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About Us

Protection made Simple.

Based in Midrand, Gauteng, we help you save on insurance with transparent pricing and expert advice. Our free audit tool finds your savings. Then we deliver affordable cover backed by FSCA-licensed brokers who actually care about your wallet.

Transparency
We communicate clearly and openly — no hidden clauses, no surprises.
Client Empowerment
We educate and guide clients to make confident, informed decisions about their cover.
Professional Integrity
We act ethically and in the best interests of our clients at every stage of the process.
Innovation & Adaptability
We constantly evolve our solutions to meet the demands of a changing risk landscape.
Partnerships & Relationships
We build lasting relationships with clients and insurers grounded in trust and mutual respect.
Service Excellence
We are committed to delivering exceptional service at every touchpoint — from quote to claim.
FSCA-licensed insurance advisor helping clients find affordable cover in Gauteng
Our Services

What We Cover

From motor and home insurance to commercial property, cyber, e-hailing, and specialist cover — we find the most affordable quotes for your risk. Use our free audit tool first to see how much you could save, then choose your cover. FSCA-regulated. Midrand-based. South Africa-wide.

Motor Vehicle Insurance
Comprehensive, third-party fire & theft, and TPO cover for personal and fleet vehicles including specialist vehicles.
Home & Contents Insurance
Buildings and household contents cover, protecting your property against fire, theft, weather and accidental damage.
Commercial Property & Assets
Business premises, stock, plant, and machinery — covered against all standard and special perils.
Professional Indemnity
Protection against claims arising from errors, omissions, or negligence in professional service delivery.
Cyber Crime Insurance
Guard against financial loss from cybercrime, hacking, ransomware, and data breach incidents.
Medical Malpractice
Specialist liability cover for healthcare practitioners against claims of clinical negligence and malpractice.
Business Interruption
Income protection when your operations are disrupted — ensuring cash flow continuity during downtime.
E-Hailing & Taxi Cover
Tailored insurance for Uber, Bolt, and metered taxi operators — personal and commercial fleet options.
Engineering Insurance
Plant and machinery breakdown, construction, and erection all-risks cover for engineering operations.
Group Life & Employee Benefits
Group life, disability, and funeral cover to protect your workforce and attract top talent.
Trade Credit & Surety Bonds
Protect your receivables from non-payment and secure project performance with surety and fidelity bonds.
Personal Accident & Travel
Individual and group PA cover, plus domestic and international travel insurance for peace of mind on every journey.
Our Partners

Backed by South Africa's Top Insurers

We work exclusively with FSCA-regulated insurers — giving you confidence that your claims will be honoured and your cover is genuine.

Hollard Insurance
Hollard Insurance
Short-Term Insurer
Old Mutual Insure
Old Mutual Insure
Short-Term Insurer
Santam
Santam
Short-Term Insurer
GuardRisk
GuardRisk
Cell Captive Insurer
New National
New National
Short-Term Insurer
MiWay Insurance
MiWay Insurance
Short-Term Insurer
Liberty Life
Liberty Life
Life & Group Benefits
iTOO Special Risks
iTOO Special Risks
Specialty Lines
ASI Blue
ASI Blue
Insurance Solutions
Agisanang
Agisanang
Insurance Administrators
BrokerBuddy
BrokerBuddy
Broker Technology
Octomate Education
Octomate Education
Training & Development

All listed partners are authorised and regulated where applicable. Excessible (Pty) Ltd acts as an independent broker on behalf of its clients.

Successful business professional - Excessible's journey of growth and client success
Our Journey

From Startup to Trusted Brokerage

A story of growth, resilience, and unwavering commitment to South African risk financing.

2018
Excessible Founded
Excessible (Pty) Ltd was established with a mission to make risk financing truly accessible. FSCA licence obtained and brokerage operations commenced in Midrand, Gauteng.
2018
2019
2019
Commercial Lines Growth
Expanded commercial insurance portfolio — onboarding key insurer partners and building major commercial client relationships across Gauteng and beyond.
2020
Navigating a Global Crisis
Supported clients through COVID-19 disruption with tailored business interruption consultations and rapid claims support — cementing trust through South Africa's hardest period in recent memory.
2020
2021
2021
Specialty & Niche Lines Launched
Introduced speciality products including Medical Malpractice, Professional Indemnity, Cyber Crime, and E-hailing insurance — meeting demand from underserved market segments.
2022–2023
Key Partnerships & Scale
Formalised partnerships with Hollard, Santam, Old Mutual Insure, MiWay, GuardRisk, and others. Grew client base significantly across personal and commercial lines nationwide.
2022
2025
2025 & Beyond
Next Chapter
Continuing to grow our national footprint — investing in technology, talent, and new product lines to deliver even greater value for our clients and insurer partners across South Africa.
Rooted in Gauteng

Local roots. National reach.

From our Midrand base we protect individuals and businesses right across South Africa — combining on-the-ground local knowledge with the backing of the country's leading insurers.

Client Stories

What Our Clients Say

Real feedback from individuals and businesses we protect across Gauteng and South Africa.

★★★★★

"Excessible made switching our commercial property cover completely seamless. They found us better premiums and explained every clause — something our previous broker never bothered to do."

Thabo M. - SME owner
Thabo M.
SME Owner · Midrand, Gauteng
★★★★★

"I drive for Uber and was struggling to find proper e-hailing cover that didn't cost a fortune. Excessible sorted me out in one call and the claim I had last year was settled in under 24 hours."

Kgomotso N. - E-Hailing operator
Kgomotso N.
E-Hailing Operator · Johannesburg
★★★★★

"As a healthcare practitioner, finding the right medical malpractice cover is stressful. The Excessible team understood my specific needs and gave me peace of mind I couldn't find anywhere else."

Dr. Refilwe S. - Medical professional
Dr. Refilwe S.
Medical Professional · Pretoria
Broker Advantage

Why Use an Insurance Broker Instead of Going Direct?

Insurance broker and client shaking hands after finding better cover in Gauteng

Direct Insurer ❌

  • 🔴 Only see one insurer's products
  • 🔴 Locked into their pricing & terms
  • 🔴 No discount optimization
  • 🔴 Long wait times on claims
  • 🔴 Limited specialist cover
  • 🔴 You manage renewals yourself

Excessible Broker ✅

  • 🟢 Compare 10+ insurers in minutes
  • 🟢 Multi-insurer discounts (12–20%)
  • 🟢 Free audit tool finds all savings
  • 🟢 18-hour average claims turnaround
  • 🟢 Specialist cover: e-hailing, cyber, PA
  • 🟢 We handle everything for you

The Bottom Line: Going direct saves you nothing. A broker like Excessible saves you thousands by finding the best deal across the whole market — and it costs you nothing. We're paid commission by insurers, not by you.

FAQ

Common Questions

Can't find what you're looking for? Talk to an advisor — we're happy to help.

Get a Free Quote
Short-term insurance protects your assets — your car, home, business, and income — against unexpected events like accidents, theft, fire, and liability claims. Unlike life insurance, it runs on a short-term basis (usually 12 months) and is renewed annually. In South Africa, where vehicle theft and property crime rates are high, the right cover is essential for both individuals and businesses.
Most quotes are turned around within a few hours of receiving your details. For straightforward personal lines (motor, home), we can often provide same-day quotes. For commercial and specialist covers, allow 24–48 hours. Submit the form on this page or WhatsApp us directly for the fastest response.
Yes — we specialise in e-hailing insurance for Uber, Bolt, and metered taxi operators across South Africa. Standard personal vehicle policies typically exclude commercial use, leaving drivers without cover. We structure policies specifically for e-hailing operations, covering the vehicle while it's in use as well as in private use, with both personal and fleet options available.
We are based in Midrand, Gauteng, and serve clients across South Africa. Our insurer partnerships with Hollard, Santam, Old Mutual Insure, MiWay, and others allow us to place risk nationwide — including Johannesburg, Pretoria, Cape Town, Durban, and beyond. Most communication and policy management is handled remotely, so location is rarely a barrier.
Yes. Excessible (Pty) Ltd is a licensed Financial Services Provider authorised by the Financial Sector Conduct Authority (FSCA) under FSP licence number 55248. You can verify this on the FSCA's public register at fsca.co.za. This means we are legally authorised to provide advice and intermediary services for short-term insurance products in South Africa.
As an independent broker, we work for you — not the insurer. We compare products across multiple FSCA-regulated insurers to find the most competitive and appropriate cover for your specific risk profile. We also assist with claims, policy changes, and renewals, acting as your advocate throughout the process. Direct insurers can only offer their own products; we can offer the whole market.
Absolutely. Claims assistance is one of the most valuable services we provide. We guide you through the claims process, liaise with the insurer on your behalf, and help ensure your claim is assessed fairly and settled as quickly as possible. Our average claims turnaround is 18 hours for straightforward claims.
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