“Short-Term Insurance”, would be the word used at a braai to describe a grudge payment which occurs every month. When the debit order notification is received, this would, in some cases, raise a certain annoyance.
This would be the experience of many South-Africans every month, especially those who does not know exactly what they are paying for, how the policy works, who is maintaining the policy etc.

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What is short term insurance?

Short-term insurance can be referred to the insurance you take out on material belongings for a certain period in time.

Although this type of policy is a necessity when either purchasing a property, a vehicle or any other asset which
is financed by a finance house such as a bank, this would also be seen as a necessity for those who only requires cover for when something happens…

Why have short term insurance?

Short-term insurance policies are important, especially following hail, thunderstorms, floods, lightning, an accident, a theft, burglary or Hi-Jacking. The feeling a person experience when you walk back to your vehicle after shopping, and you find an empty parking space, or you walk into your home, and you find your home empty is overwhelming enough, imagine coming to realise that you have no insurance in place, and you will need to replace everything with your credit card. We believe that this feeling of disappointment must never be felt by anyone.

This is the reason we do what we do. Whether it is insuring a family home and vehicle, or a multinational enterprise, we provide the advice needed to ensure that our clients are placed in the same position they were in
prior to the event or loss that is suffered.

How we do it at Optimum

We are able to offer our clients with tailor-made insurance packages, specifically shaped towards each individual and/or business.

Within our widespread coverage of the short-term insurance market, we have secured agreements with more than 70 established insurance companies, and can therefore offer insurance solutions across a number of specialist lines such as Agriculture, Engineering and Tourism, all the way to Aviation, Marine, Cyber Security Liability Insurance, and everything in-between.  We will do our utmost to prevent one’s singular loss, from becoming one’s downfall.


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