Disclaimer

InsureMe Quick Quote is an insurance comparison and information platform. We are NOT an insurance company and do not underwrite, issue, or administer insurance policies.

All insurance products displayed on our platform are underwritten by licensed insurance companies registered with the Financial Sector Conduct Authority (FSCA).

Our recommendations are NOT financial advice. They are automated suggestions based on your assessment responses and industry-standard calculations.

We do not know your complete financial situation, health status, estate planning needs, or other personal circumstances that may affect your insurance requirements.

Always consult a licensed financial advisor before making insurance decisions, especially for large coverage amounts or complex financial situations.

Our personality assessment is based on the scientifically-validated Big Five model. However:

• It is a brief assessment (30 questions), not a comprehensive psychological evaluation
• Results depend on honest, thoughtful responses
• Personality is just ONE factor in determining insurance needs
• The assessment is not a substitute for professional psychological evaluation

Use personality-based recommendations as guidance, not absolute truth.

Our coverage calculations use industry-standard formulas and assumptions:

• Life insurance: (Monthly expenses × 12 × 20 years) + Debts + (R500k per dependent)
• Funeral cover: Standard R50,000
• Car insurance: Based on vehicle value and loan status
• Home insurance: 110-120% of property value

These are estimates, not guarantees. Your actual needs may differ based on factors such as inflation, changing family circumstances, health events, and specific financial goals.

Estimated monthly premiums shown on our platform are indicative only.

Actual premiums are determined by insurance providers based on:

• Medical underwriting and health status
• Smoking status and lifestyle factors
• Detailed financial information
• Policy features and riders selected
• Insurer-specific underwriting criteria

Final premiums may be significantly higher or lower than our estimates.

We strive to provide quotes from multiple insurers. However:

• Not all insurers may be available for your specific profile
• Some insurers may decline to quote based on age, health, or other factors
• Quote availability and pricing can change without notice
• We do not guarantee quotes from any specific insurer

Receiving a quote does NOT guarantee policy acceptance. Insurance providers conduct their own underwriting and may:

• Decline your application
• Offer modified terms or higher premiums
• Exclude certain conditions or risks
• Require medical exams or additional information

We strive to maintain 99%+ uptime, but we do not guarantee uninterrupted access to our platform. Services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

InsureMe Quick Quote is not responsible for:

• Actions, policies, or services of insurance providers
• Claims processing or payment by insurers
• Policy cancellations, lapses, or disputes
• Changes to insurer terms, conditions, or pricing
• Insurer solvency or financial stability

All contractual relationships are between you and the insurance provider.

InsureMe Quick Quote's FSP (Financial Services Provider) license application is currently in progress.

Until our license is approved, we operate as an information and comparison service only. We do not provide direct financial advice or sell insurance products ourselves.

All insurance applications are processed directly by FSB-licensed insurance companies.

To the maximum extent permitted by South African law, InsureMe Quick Quote shall not be liable for any damages arising from:

• Use or inability to use our platform
• Reliance on recommendations or information provided
• Decisions made based on our assessment results
• Actions or omissions of third-party insurance providers
• Errors, inaccuracies, or omissions in our content
• Data breaches or security incidents (despite our best efforts)

Our total liability for any claim shall not exceed R1,000 (One Thousand Rand).

We reserve the right to update this disclaimer at any time. Changes will be posted on this page. Continued use after changes constitutes acceptance.