What is 5‑in‑1 Protect?

It’s a single policy designed for brokers, combining excess protection benefits such as betterment cover, scratch‑and‑dent repair, tyre and rim protection, windscreen cover and basic excess cover.

What benefits does it offer brokers and their clients?

The product removes waiting periods, pays out twice weekly and offers a competitive 12.5 % commission for brokers. It helps clients manage unexpected repair costs without long delays.

What are the five components included?

Betterment Extension covers upgraded parts; Scratch & Dent repairs minor bodywork; Tyre & Rim Protect covers wheel damage; Windscreen Protect replaces damaged glass; and Basic Excess Protect reimburses standard excess charges.

Who can enrol and how?

The product is intended for brokers to offer their motor clients. Speak to TRUM’s team via the contact page to discuss eligibility and enrollment.

Complete Insurance

Transform Your Brokerage
with 5-in-1 Protect

The comprehensive excess protection solution that accelerates sales, reduces admin, and delights clients

0%

Waiting Periods

12.5%

Commission Rate

2x

Weekly Payouts

The Challenge Brokers Face Today

Lengthy
Waiting Periods

Traditional excess products leave clients exposed during waiting periods, creating uncertainty and delaying policy activation.

Administrative
Burden

Complex claims processes and excessive paperwork consume valuable time that could be spent on growing your business.

Client
Dissatisfaction

Slow claim processing and lack of transparency lead to frustrated clients and potential business loss.

Limited
Revenue Growth

Restricted product offerings and low commission rates limit your ability to maximize revenue per client.

What’s Covered

Designed to complement comprehensive insurance policies, providing financial protection that makes insurance claims more manageable and reduces unexpected expenses for your clients.

Betterment Extension

Only a 10% tread penalty on tyre claims – keeping payouts fair and cost-effective.

Scratch & Dent Cover

Minor damage repairs including stone chips, dents, hail, tar, and scratches.

Limit: R5,000
Excess: R350
Claims: 1 per vehicle per annum

Tyre & Rim Protect

Repairs or replaces tyres and rims damaged by potholes, hard braking, or road hazards.

Tyre Limit: R5,000–R10,000
Rim Limit: R2,000
Claims: 2 per incident, 2 per annum

Windscreen Protect

Covers excess for windscreen repairs or replacement due to chips, cracks, and damage.

Limit: R3,000
Claims: 2 per vehicle annually

Basic Excess Protect

Cover for excess payments on valid insurance claims (Accident, Fire, Theft, Hijack).

Limit: R50,000
Claims: 2 per vehicle annually