We Cover the Rest.
Excess Risk Consultants specialises in innovative excess reducers and value-added insurance products designed to complement your existing insurance cover. Whether you're protecting a personal vehicle, commercial fleet, transported goods, business assets, or your home, our solutions help reduce the financial impact of unexpected excess payments when claims arise.
Excess Risk protection that goes Beyond The Basic.
Every insurance policy is designed to provide protection, but many policyholders only discover the true cost of an insurance claim when they are required to pay a substantial excess amount themselves.
At Excess Risk Consultants, we focus on the gap often overlooked by traditional insurance. Our specialised excess reducers and value-added products are designed to minimise your financial exposure, helping individuals and businesses navigate unexpected events with greater confidence and peace of mind.
Working alongside your existing insurance policy, our solutions provide an additional layer of protection when you need it most.
Motor Excess Reducers
Reduce the financial burden of excess payments following motor vehicle claims. Our range of motor excess reducer products includes cover for own damage, theft and hijacking, third-party claims, penalty excesses, and windscreen excesses.
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Motor Add-On Products
Enhance your existing motor insurance with value-added protection designed to keep you moving. From roadside assistance and car hire to tyre cover, vehicle value depreciation protection and cross-border towing solutions, our products help keep you moving when the unexpected happens.
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Goods in Transit (GIT) Excess Reducers
Protect your business from costly excess payments relating to goods transported by road. Our Goods in Transit excess reducers provide additional financial security against claims involving accidents, theft, hijacking, and damage during transit.
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Non-Motor Excess Reducers
Additional protection for homes, businesses, commercial property, office contents, buildings, electronic equipment, and more. Our non-motor excess solutions help reduce unexpected costs when non-motor insurance claims arise.
Learn MoreWhy Choose Excess Risk Consultants?
We focus specifically on excess reducers and value-added insurance solutions, allowing us to provide specialist products that complement traditional insurance cover.
Our products are designed to meet the needs of both personal and commercial clients, providing flexible protection across a wide range of industries and risk profiles.
Our products are underwritten by Old Mutual Insure Limited, providing confidence and security through one of South Africa's leading insurance providers.
Fast turnaround times, responsive support, and a client-focused approach are at the heart of everything we do.
Excess Risk Consultants currently partners with over 233 brokerages across South Africa, helping brokers deliver greater value and protection to their clients.
Our products are proudly underwritten by Old Mutual Insure Limited.
This partnership enables us to deliver reliable, specialised excess protection solutions backed by one of South Africa's most respected insurance brands.
Unexpected excess payments shouldn't place unnecessary strain on your finances or business operations.
Whether you're an individual seeking additional protection or a broker looking to enhance your client offering, Excess Risk Consultants has the right solution for you.
Contact our team today to discuss the right excess protection solution for your needs.