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King Price community insurance

King Price Vehicle Insurance

The king and his court have developed this unique cover into a neatly packaged 1 stop insurance solution, complete with a range of unique benefits, which we’ve specifically designed to make your life easier and to comply with all the legislation covering sectional title and community schemes living within South Africa.

Here’s a quick summary of each option of cover that we offer and to help make it a little easier for you, we’ve given a few examples of some of the significant benefits too.

The king's business insurance cover types


When you insure your buildings, we’ll cover them against accidental loss, damage or theft, if the loss,damage or theft is not excluded by any part of your policy.

Common area contents

Here we’ll cover the physical loss of, or damage to, your common area contents, including your garden furniture and equipment if the loss, damage or theft is not excluded by any part of your policy.

Commercial glass

When you insure your building/s, you can choose to top up your building cover to include accidental damage to glass and signwriting at any business premises that forms part of the insured building.

Business all risks

You’re covered for loss of, or damage to, the portable property stated on your policy schedule, while anywhere in the world due to an accident or any incident which is not otherwise excluded. Your cover is limited to the amount stated on your policy schedule.

Locks and keys

We’ll pay up to the amount noted on your schedule for any 1 event for costs incurred to restore security to the insured property as a result of the loss of locks and keys.


You’ll also be covered for loss of, or damage to, money while in or at your insured building/s, or in transit to, or from your premises for the purpose of deposit or withdrawal, during the period of insurance and up to the limits that are stated on your policy schedule.
Cover of R 20,000 for the loss of or damage to money and R2,000 for receptacles and clothing is already included, at no additional premium. We’re nice like that!

Machinery breakdown

This section provides cover for plant and machinery, cost of repairs, or for the replacement of damaged parts as a result of accidental, electrical or mechanical breakdown.
R 50,000 of cover is already included here, at no additional premium. Your problem = no problem.

Electronic equipment

Under this section you’re covered for the physical loss of, or damage to, electronic equipment/computers, as specified on your policy schedule. This includes the costs and expenses incurred as a result of reconstitution or recompilation of data, which would’ve been lost as a result of an insured incident.

Public liability

This section covers the compensation or expenses that you may become legally liable to pay, up to the limit stated on your policy schedule, due to a claim been made against you, in respect of:
  • Personal injury.
  • Property damage.
Please note: An indemnity limit of R 50,000,000 is already included, at no additional premium. Relax, we’ve got your back.

Office bearers’ liability

Here you’ll receive cover for your office bearers should a claim arise out of any actual or alleged wrongful act/s that they make whilst carrying out their duties, functions and obligations in the management of a scheme, up to the limit of indemnity as stated on your policy schedule.
An indemnity limit of R 5,000,000 is already included, at no additional premium. Yip, we have you covered.


This section provides cover for the fraudulent misappropriation of funds that have been set aside for the purpose of the management of the affairs of the body corporate/company during the period of insurance and up to the sum insured, as stated on your policy schedule.
Cover of R 1,000,000 is already included at no additional premium. Yip R 1,000,000!

Employer’s liability

Under this section, you’ll be covered for any claims for compensation or expenses, that you’re legally liable to pay for, in the event of the death, personal injury, or illness of any person employed under a contract of service with you, which happened in connection with or during the time of their employment by you. This is specific for claims first made against you while you have an active policy with us.
An indemnity limit of R10,000,000 is already included, at no additional premium. You’re in the king’s safe hands.

Voluntary workers personal accident

Here you’ll be covered for voluntary workers who suffer bodily injury as a result of violent, accidental, external, and visible means, while they are engaged in work on your behalf.

Motor cover

This section covers accidental damage to the motor/s belonging to the body corporate/company, as well as the damage to other peoples’ property and/or injury to other people caused by the insured motor. The motor will also be covered for theft and hi-jacking.
We give you the freedom to choose from our 5-star comprehensive deal, our 4-star third party, fire and theft deal, or our 3-star third party only cover. Your choice, our pleasure.

Claims preparation costs

Under this section, you’ll be covered for the reasonable professional fees and such other related expenses incurred by you for the preparation of a claim.
Cover of R50,000 is already included, at no additional premium. We’re here to help.

Why choose King Price

A few very awesome reasons why you should join the king

Proactive claims service

King Price’s integrated claims team is involved every step of the way, right from the start. Our dedicated underwriting, new business and claims teams work in harmony to deliver a complete peace of mind service and promise to keep both our brokers and their clients constantly up to date and in the loop during the claims process.

Competitive premiums

We offer the best possible premiums based on individual risk management and profitable business relationships with our brokers, with absolutely no compromise on the cover offered. The best value for money insurance deal in town.


Our royal family of employees are highly focused and experienced in their roles and show real passion and enthusiasm towards our promise of personal, royal service to our brokers, their clients and the industry. This unique combination and culture allows us to confidently stand by our promise of delivering award-winning, royal service all day, every day.

Strong relationships

We’re on your side and take our partnerships very seriously. We believe in openness, clarity and excellent service levels in all aspects, which has enabled the development of successful collaborations with brokers in strategic locations countrywide.


As an independent insurer, (and 1 of the fastest growing in the country, if we may add), King Price has a wide network of brokers, intermediaries and clients. We constantly strive to deliver the best service and turnaround times. We’re also supported with some astounding shareholders.

Rapid response

King Price understand the importance of having the right team, expertise and relationships to address the requirements of all our brokers with equal attention quickly but without compromising on quality. As part of our family you will officially have royal service at your beck-and-call.

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Nomkhosi Mabuza is a real pleasure to deal with. These days no service provider really goes the extra mile anymore but Nomkhosi is a true Gem to King Price. I would recommend her to everyone that want ...

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King Price Insurance Company Ltd is an authorised financial services provider. FSP Number: 43862.
Office Hours: Monday - Friday 08:00 - 18:00.
© King Price Insurance Company Ltd 2016. We've got super cheap car insurance!
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