CIA

CIA Building Insurance Specialists are a division of Hannover Reinsurance Group Africa Limited and are underwritten by Compass Insurance Co. Ltd.

Their journey began in the late 1990s as they entered the insurance industry determined to make a difference and become the most respected providers of building insurance services in the country.

CIA’s core values

CIA has three core values that drive them and ensure they continue to grow while still maintaining excellent relationships with their existing customers.

• CIA is committed to their customers whose interests are at the heart of all that they do.
• As a company with the lowest Ombud overturn ratio in the country, you can be sure that CIA guards its integrity with unwavering determination.
• With more than 20 years in the business, CIA has the expertise, skills, and experience to get things done the right way.

Not afraid of change

CIA attempts to stay ahead of the competition and make sure that the changing needs of their customers are considered – even before these needs become apparent. They achieve this by committing their time and resources to research and development, and as a result, are at the forefront of innovation in the industry.

6 branches ready to serve

CIA Building Insurance Specialists have 6 branches across South Africa that are ready to service you and take care of all your building insurance needs. Their expert staff is ready to offer you the advice and assistance you need but also remain approachable, friendly, and committed to giving you the best possible customer service experience.

This dedication to personalized service stems from their roots as a family-owned and operated business – roots that are honoured and values that are upheld to this day.

A nationwide network of brokers

CIA has an extensive network of more than 1600 insurance brokers across the country, ready to assist you in obtaining the right cover for your building. In fact, if you need a bit of help with any of their products and services, you can use their broker database to find one near you.

CIA is able to provide buildings insurance to properties between the value of R500,000 and R50 million – and you’re free to insurance a second or holiday home too.

What you get with Building cover from CIA

In exchange for a monthly premium, your home will be covered for any damage or loss that occurs as a result of one or more of the insured events listed in your policy wording. This includes things such as fire, explosions, flooding, subsidence and landslides, and damage caused as a result of theft, attempted theft, or vandalism.

You will be covered for damage to roofs, walls, your landscaped garden, and more. CIA will also cover things such as hiring a generation, providing alternative accommodation, replacing keys and locks, hiring a guard, replacing title deeds, and boarding pets.

Medical, trauma, funeral costs for employees

CIA also covers medical, trauma, and funeral costs for employees on your property including guards and gardeners if they’re the victim of an unlawful attack while undertaking their duties.

Water loss cover

Any charges for water that result from leaking or broken pipes will also be covered under your policy if it exceeds the average of the past four months by more than 50%.

Limitations of cover

As with all insurance policies, there are certain exclusions that you need to be aware of. All of the exclusions can be found in your policy wording and schedule. Examples of exclusions include any damage resulting from construction work being done on your property, loss of damage to your property if it has been left vacant for a period exceeding 31 consecutive days, cracking and collapse as well as damage caused by roots, pests, insects, and pets.

Cover for large sectional title schemes

CIA also provides cover to large sectional title schemes to ensure that all residents can safeguard their homes and investments. This includes cover for damage and loss resulting from fire, natural disasters, accidental damage, geyser, subsidence, and landslides, power surges, as well as public liability cover of up to R100 million.