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Est. Johannesburg
South Africa
Repudiation specialists
Rejected insurance claims · Personal, commercial & business · No win, no fee
Founded by commercial & personal lines insurance professionals
Who
We help South African individuals and businesses whose insurer has rejected their claim.
We start from the principles every policy is built on: utmost good faith, indemnity, insurable interest and proximate cause. We read your policy the way the insurer does, find where their decision doesn't hold up, and challenge it, first with the insurer and then, if needed, at the Ombud.
Insurers have the fine print.
You have The Claim Master.
Our experience
“Our founders sat on the insurer's side of the table. We know the insurance playbook. Most repudiations have a weakness, and we know where to find it.”
Inside insurers
Founded by people from commercial and personal lines insurance, who have worked on the side that decides claims.
Commercial & personal lines
Hands-on experience across both: business property, liability and marine, as well as motor, home, life and funeral cover.
Independent
We work for you, not the insurer. We only get paid when you do.
The Ombud, 2025
The insurer doesn't always get the last word.
R442.9M
Returned to consumers
50 065
Complaints lodged
105
Days on average to resolve
Source: National Financial Ombud Scheme, 2025 Annual Report
While the National Financial Ombud Scheme (NFO) is free and available to all policyholders, only 11% of non-life insurance disputes were decided in the consumer's favour in 2025.
Source: National Financial Ombud Scheme, 2025 Annual Report, as reported by News24, 17 June 2026
Claims we fight · tap one
Common reasons we challenge
Waiting period
Policy lapsed
Non-disclosure
Cause of death disputes
Common reasons we challenge
Non-disclosure
Pre-existing conditions
Exclusion clauses
Beneficiary disputes
Common reasons we challenge
Definition of disability
Medical evidence
Occupation class
Common reasons we challenge
Reckless or negligent driving
Licence and roadworthiness
Late reporting
Driver disputes
Common reasons we challenge
Under-insurance and average
Security and alarm warranties
Wear and tear
Storm and flood exclusions
Common reasons we challenge
Indemnity period disputes
Proving the loss of gross profit
Trigger and damage clauses
Late notification
Common reasons we challenge
Scope of cover
Late notification
Policy conditions
Common reasons we challenge
Packing and stowage
Inherent vice
Insurable interest
General information only. Every policy is different, so we read your documents before telling you where you stand.
Our approach
Fees
R0
if your claim isn't won. No upfront costs. Our fee only comes out of what the insurer pays.
Our fee
R52 500
To you
R297 500
For broking partners
A rejected claim tests every client relationship. We work with you side by side. We take on the dispute with the insurer, keep you informed throughout, and leave the client relationship firmly with you. Policyholders referred by our broking partners benefit from a reduced success fee of 7.5%, half our standard rate.
Become a broking partner →Questions
We help people and businesses whose insurance claim has been rejected. We go through your policy and the insurer's reasons, tell you honestly whether the decision can be challenged, and then fight it for you: first directly with the insurer, and if needed at the National Financial Ombud. We cover personal claims like funeral, life, disability and motor, and commercial claims like property, business interruption, liability and marine cargo. If we don't get you paid, you don't pay us.
Insurance-speak for “rejected”. The insurer is refusing to pay, usually pointing to a clause in your policy. Many of those decisions can be challenged when the reason doesn't hold up against the wording or the facts.
Yes: commercial property, business interruption, liability, marine cargo, fleet and other specialist claims. For claims over R5 million, we agree a sliding-scale fee in writing.
Almost never. We challenge the insurer directly first. If that doesn't work, we go to the National Financial Ombud, which is free for consumers and much faster than court.
The National Financial Ombud Scheme plays an important role in protecting policyholders, and we encourage anyone who believes their claim was clearly and wrongly rejected to use this important free public service.
It helps, though, to understand the odds. In 2025, only 11% of non-life insurance disputes were decided in the consumer's favour. The Ombud is impartial: it decides on the case put in front of it, so how that case is presented matters.
When an insurer rejects a claim by relying on an exclusion, a breach of a policy condition or non-disclosure, the burden is on the insurer to prove it. That is a significant advantage for the policyholder, and the moment to use it is when the complaint is first made.
Once the Ombud issues an unfavourable final ruling, that advantage is gone. The burden shifts to you, as you now need to show substantial grounds why the Ombud ruling was wrong. To take the matter further, you must apply for leave to appeal to the NFO's Appeal Tribunal within 30 days. That is a short window to build a case that should have been made at the start.
That's why we aim to get it right first time. We challenge the insurer directly, which often resolves the matter without escalation. If it doesn't, we take a fully prepared, well-reasoned case to the Ombud, holding the insurer to its burden of proof while it still rests with them.
Maybe not, but there are time limits on challenging a rejection. Send us your documents soon and we'll tell you where you stand.
If you're the beneficiary or the person who made the claim, send us what you have. We'll handle the back-and-forth with the insurer for you.