Products
Commercial
For cover tailored to your commercial needs, access to reputable repairers and peace of mind knowing that your business and its assets are sufficiently covered. We’ve created an extensive range of cover options suited to most businesses.
· General commercial insurance
· Insurance-backed guarantees
· Construction and engineering insurance
General commercial
Tuelo has extensive commercial insurance knowledge and expertise for all your general commercial and business insurance needs. Our cover is designed for businesses that want to insure all their assets under one policy. As experts in commercial insurance we encourage our clients to choose from a wide range of cover options to suit their unique business needs.
Insurance – backed guarantees
We pride ourselves on our long-standing relationships with leading South African and international insurers. In working closely with these specialist insurers we have the ability to arrange facilities for our clients at affordable collateral levels and competitive premiums.
Construction and engineering insurance
Our construction and engineering insurance products are specifically designed with the engineering and construction industries in mind. Our tailor-made solutions include:
- Contractors all risk
- Plant all risk
General commercial insurance
Tuelo has extensive commercial insurance knowledge and expertise for all your general commercial and business insurance needs.Our cover is designed for businesses that want to insure all their assets under one policy.As experts in commercial insurance we encourage our clients to choose from a wide range of cover options to suit their unique business needs.These include:
- Commercial vehicles
- Heavy commercial vehicles
- Goods in transit
- Office contents
- Electronic equipment
- Accidental damage
- Business all risks
- Theft
- Business interruption
- Buildings combined
- Fire
- Glass
- Public liability
- Employer’s liability
- Machinery breakdown
- Machinery breakdown business interruption
- Money
- Fidelity
- Stated benefits
- Group personal accident.
Insurance-backed guarantees
We pride ourselves on our long-standing relationships with leading South African insurers.In working closely with these specialist insurers we have the ability to arrange facilities for our clients at affordable collateral levels and competitive premiums.With our insurance-backed guarantee product we arrange the following:
- Performance/construction guarantee
- Retention money guarantee
- Bid bond/tender guarantee
- Advance payment bond
- Unused materials off-site bond
Benefits of an insurance-backed guarantee
- Insurance-backed guarantees do not require 100% collateral. Our insurers’ average collateral requirements vary between 0% and 15% cash collateral per guarantee*.
- There are no annual fees for having a facility in place with our insurers. You only pay for the specific guarantees you require.
* Depended on the risk profile of the company
Construction and engineering insurance
Our construction and engineering insurance products are specifically designed with the engineering and construction industries in mind. Our tailor-made solutions include:
Contractors all risk
The contractors all risk policy provides cover for construction projects against events such as:
- Fire
- Theft
- Flood damage
- SASRIA and
- Transit of building related material
The policy also includes public liability which covers contractors in the event of injury or damage to third party persons or property.
Our expert knowledge further allows for us to assist contractors with the required Construction Industry Development Board (CIDB) grading of 3 right through to 9 in:
- General building
- Structural
- Civil
- Electrical engineering
Plant all risk
This policy is designed to cover against loss or damage to the construction plant and equipment whilst situated on site, storage or is in transit to/from the site. The policy covers plant that is hired in or owned by the contractor.
- Public liability
- Erection all risk (EAR) – designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structure, including physical damage to the contract works, equipment and machinery
Commercial
For cover tailored to your commercial needs, access to reputable repairers and peace of mind knowing that your business and its assets are sufficiently covered. We’ve created an extensive range of cover options suited to most businesses.
General commercial
Tuelo has extensive commercial insurance knowledge and expertise for all your general commercial and business insurance needs.
Our cover is designed for businesses that want to insure all their assets under one policy. As experts in commercial insurance we encourage our clients to choose from a wide range of cover options to suit their unique business needs.
General commercial insurance
Tuelo has extensive commercial insurance knowledge and expertise for all your general commercial and business insurance needs.Our cover is designed for businesses that want to insure all their assets under one policy.As experts in commercial insurance we encourage our clients to choose from a wide range of cover options to suit their unique business needs.These include:
- Commercial vehicles
- Heavy commercial vehicles
- Goods in transit
- Office contents
- Electronic equipment
- Accidental damage
- Business all risks
- Theft
- Business interruption
- Buildings combined
- Fire
- Glass
- Public liability
- Employer’s liability
- Machinery breakdown
- Machinery breakdown business interruption
- Money
- Fidelity
- Stated benefits
- Group personal accident.
Insurance – backed guarantees
We pride ourselves on our long-standing relationships with leading South African and international insurers. In working closely with these specialist insurers we have the ability to arrange facilities for our clients at affordable collateral levels and competitive premiums.
Insurance-backed guarantees
We pride ourselves on our long-standing relationships with leading South African insurers.In working closely with these specialist insurers we have the ability to arrange facilities for our clients at affordable collateral levels and competitive premiums.With our insurance-backed guarantee product we arrange the following:
- Performance/construction guarantee
- Retention money guarantee
- Bid bond/tender guarantee
- Advance payment bond
- Unused materials off-site bond
Benefits of an insurance-backed guarantee
- Insurance-backed guarantees do not require 100% collateral. Our insurers’ average collateral requirements vary between 0% and 15% cash collateral per guarantee*.
- There are no annual fees for having a facility in place with our insurers. You only pay for the specific guarantees you require.
* Depended on the risk profile of the company
Construction and engineering insurance
Our construction and engineering insurance products are specifically designed with the engineering and construction industries in mind. Our tailor-made solutions include:
- Contractors all risk
- Plant all risk
Construction and engineering insurance
Our construction and engineering insurance products are specifically designed with the engineering and construction industries in mind. Our tailor-made solutions include:
Contractors all risk
The contractors all risk policy provides cover for construction projects against events such as:
- Fire
- Theft
- Flood damage
- SASRIA and
- Transit of building related material
The policy also includes public liability which covers contractors in the event of injury or damage to third party persons or property.
Our expert knowledge further allows for us to assist contractors with the required Construction Industry Development Board (CIDB) grading of 3 right through to 9 in:
- General building
- Structural
- Civil
- Electrical engineering
Plant all risk
This policy is designed to cover against loss or damage to the construction plant and equipment whilst situated on site, storage or is in transit to/from the site. The policy covers plant that is hired in or owned by the contractor.
- Public liability
- Erection all risk (EAR) – designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structure, including physical damage to the contract works, equipment and machinery
Motor and Household
Owning assets comes with a range of risks such as loss or damage that may leave your pockets and bank account empty if you don’t have adequate cover. We know that you’ve worked hard to earn your assets and understand that financially protecting you from unforeseen circumstances is of the highest importance.
Tuelo Financial Services has partnered with leading insurers to bring you affordable short term insurance premiums.
Through our partnerships we give you the option to compare quotes to find short term insurance solution best-suited to your needs. Our short term insurance options include:
Comprehensive vehicle
Comprehensive vehicle insurance policies usually provide you with the highest degree of cover against a wide range of damages that could happen to your car.
Vehicle essentials
We have access to a wide range of vehicle essential products that can give your car even more protection with various add-on and free standing products.
Home products
Robberies and natural disasters occur every day in South Africa. Leaving your contents uninsured may end up being a big financial mistake.
Comprehensive vehicle
Comprehensive insurance policies usually provides you with the highest degree of cover against a wide range of loss and/or damages that could happen to your car.
Comprehensive insurance policy
A comprehensive policy will provide you cover for own accidental damage, fire, theft and liability for damage to third-party property.
Third party, fire and theft
The third party, fire and theft cover provides cover against fire and theft as well as to third party property.
Third party only
The Third party product provides liability cover for damage to third-party property.
Total loss
Total loss products are normally an affordable alternative to comprehensive insurance and covers you if your car is stolen or hijacked and not recovered, or if your car is written off through fire or accident.
Vehicle essentials
We have access to a wide range of vehicle essential products that can give your car even more protection with various add-on and free standing products.
Excess buster
The excess buster product will make a contribution towards your excess when you have a valid claim against your car insurance.
Essential motor bundle
This specialised insurance package includes:
- A warranty product (for repair or replacement of parts after a breakdown);
- Cover for minor chips, scratches and dents;
- Cover for damaged tyres, rims and mags;
Our Road Protect bundle which includes Fines Protect, Pothole Protect, License Protect and Accident Protect.
Lights, badges and mirrors
This product has specifically been designed for the repair or replacement costs of damaged car lights, badges and mirrors.
Roadwise car warranty
Roadwise car warranty covers the repair or replacement costs of listed parts in the event of a mechanical breakdown. For an additional premium, you can also receive cash bonus contributions towards scheduled annual services and car hire while your car is being serviced.
Home products
Break-ins, robberies and natural disasters occur every day in South Africa, and even with the high walls, locked gates and extensive security systems you may put in place – leaving your contents uninsured may end up being a big financial mistake.
By taking up a competitive home product from Tuelo Financial Services, we can lessen the cost of replacing your items should anything happen to them.
| Build your cover
Through the leading insurers on our panel, we are able to offer add-on insurance which allows you to build your cover and insure all your assets on one policy. You can include the following cover options to your policy: ·Buildings ·Contents ·All Risks, Cars (including motorcycles, caravans and trailers) ·Small Watercraft ·Personal Liability ·Personal Accident |
Home contents
Home contents products offer solid cover at affordable rates. We provide cover for loss or damage caused by: •Fire, lightning, explosion and earthquake •Storm, wind, hail, snow and flood •Water or oil leakage from household appliances (such as geysers or dishwashers) •Theft or attempted theft •Collision or impact by vehicles, animals, falling branches or trees, aircraft or other flying objects or anything dropped from them |
Motor and Household
Owning assets comes with a range of risks such as loss or damage that may leave your pockets and bank account empty if you don’t have adequate cover. We know that you’ve worked hard to earn your assets and understand that financially protecting you from unforeseen circumstances is of the highest importance.
Tuelo Financial Services has partnered with leading insurers to bring you affordable short term insurance premiums.
Through our partnerships, we give you the option to compare quotes to find short term insurance solution best-suited to your needs. Our short term insurance options include:
Comprehensive vehicle
Comprehensive vehicle insurance policies usually provide you with the highest degree of cover against a wide range of damages that could happen to your car.
Comprehensive vehicle
Comprehensive insurance policies usually provides you with the highest degree of cover against a wide range of loss and/or damages that could happen to your car.
Comprehensive insurance policy
A comprehensive policy will provide you cover for own accidental damage, fire, theft and liability for damage to third-party property.
Third party, fire and theft
The third party, fire and theft cover provides cover against fire and theft as well as to third party property.
Third party only
The Third party product provides liability cover for damage to third-party property.
Total loss
Total loss products are normally an affordable alternative to comprehensive insurance and covers you if your car is stolen or hijacked and not recovered, or if your car is written off through fire or accident.
Vehicle essentials
We have access to a wide range of vehicle essential products that can give your car even more protection with various add-on and free standing products.
Vehicle essentials
We have access to a wide range of vehicle essential products that can give your car even more protection with various add-on and free standing products.
Excess buster
The excess buster product will make a contribution towards your excess when you have a valid claim against your car insurance.
Essential motor bundle
This specialised insurance package includes:
- A warranty product (for repair or replacement of parts after a breakdown);
- Cover for minor chips, scratches and dents;
- Cover for damaged tyres, rims and mags;
Our Road Protect bundle which includes Fines Protect, Pothole Protect, License Protect and Accident Protect.
Lights, badges and mirrors
This product has specifically been designed for the repair or replacement costs of damaged car lights, badges and mirrors.
Roadwise car warranty
Roadwise car warranty covers the repair or replacement costs of listed parts in the event of a mechanical breakdown. For an additional premium, you can also receive cash bonus contributions towards scheduled annual services and car hire while your car is being serviced.
Home products
Robberies and natural disasters occur every day in South Africa. Leaving your contents uninsured may end up being a big financial mistake.
Home products
Break-ins, robberies and natural disasters occur every day in South Africa, and even with the high walls, locked gates and extensive security systems you may put in place – leaving your contents uninsured may end up being a big financial mistake.
By taking up a competitive home product from Tuelo Financial Services, we can lessen the cost of replacing your items should anything happen to them.
| Build your cover
Through the leading insurers on our panel, we are able to offer add-on insurance which allows you to build your cover and insure all your assets on one policy. You can include the following cover options to your policy: ·Buildings ·Contents ·All Risks, Cars (including motorcycles, caravans and trailers) ·Small Watercraft ·Personal Liability ·Personal Accident |
Home contents
Home contents products offer solid cover at affordable rates. We provide cover for loss or damage caused by: •Fire, lightning, explosion and earthquake •Storm, wind, hail, snow and flood •Water or oil leakage from household appliances (such as geysers or dishwashers) •Theft or attempted theft •Collision or impact by vehicles, animals, falling branches or trees, aircraft or other flying objects or anything dropped from them |
Life
Life is unpredictable and yours and your family’s futures may change at a moment’s notice – a reality that leaves us feeling insecure and unprotected from the everyday risks we face. Our Life products offer customisable types of cover which enables us to help you choose the correct insurance that will fit both your budget and lifestyle.
Comprehensive life cover
Our Benefit Plus product was created to ensure your loved ones have an income continuation benefit in the event of your death. The Benefit Plus policy comes at a low premium and will give you the following benefits:
Comprehensive life cover
- Funeral
- Disability/Impairment
- Income protector
- Severe Illness
Life
Life is unpredictable and yours and your family’s futures may change at a moment’s notice – a reality that leaves us feeling insecure and unprotected from the everyday risks we face. Our Life products offer customisable types of cover which enables us to help you choose the correct insurance that will fit both your budget and lifestyle.
Comprehensive life cover
Our Benefit Plus product was created to ensure your loved ones have an income continuation benefit in the event of your death. The Benefit Plus policy comes at a low premium and will give you the following benefits:
Comprehensive life cover
- Funeral
- Disability/Impairment
- Income protector
- Severe Illness
Schemes
Our life products are tailor-made for single entities but also for groups. These include:
· Group schemes
o Single member groups
o Families
· Stokvel
· Corporate schemes
· Church schemes
· Society schemes
· Funeral parlours/directors
Tuelo Financial Services’ scheme products are innovative and as unique as the structure of your group, scheme or stokvel. We offer personalised service where the members can manage their individual portfolios as well as group portfolios with us. We offer highly competitive premiums and claims payout within 48-hours of receiving all the necessary documentation. Our schemes products guarantee membership and cover family members as well as extended family. Part of our personalised service includes the co-branding of policies for larger groups and corporate schemes*.
* Terms and conditions apply
Schemes
Our life products are tailor-made for single entities but also for groups. These include:
- Group schemes
~ Single member groups
~ Families
- Stokvel
- Corporate schemes
- Church schemes
- Society schemes
- Funeral parlours/directors
Tuelo Financial Services’ scheme products are innovative and as unique as the structure of your group, scheme or stokvel. We offer personalised service where the members can manage their individual portfolios as well as group portfolios with us.
We offer highly competitive premiums and claims payout within 48-hours of receiving all the necessary documentation. Our schemes products guarantee membership and cover family members as well as extended family. Part of our personalised service includes the co-branding of policies for larger groups and corporate schemes*.
* Terms and conditions apply