Personal insurance

Home and Contents insurance covers your biggest assets and your most important stuff. Click above to read more about how we can help.

Car insurance, whether comprehensive or third party, is essential for any motor vehicle owner. Click above to read how we can help - whatever you drive.

Whether you've got a small runabout, a big launch, a sloop, a ketch or even a superyacht, you'll need marine insurance. Find out how we help.


Business insurance

What would happen if your business couldn't operate smoothly during and after a crisis? Click above to find out how we can help.

Your premises, and the assets on it, is crucial to your business. We can help you protect it. Click above to find out how we help.

In business, you can face challenges you don't see coming. We'll help you figure out where you're liable. Click above to read more.

We provide a wide range of other covers for businesses, including:

  • Professional Indemnity
  • Technology Liability 
  • Cyber
  • Directors & Officers
  • Annual Travel
  • Employment Disputes
  • Employee Theft 
  • Ship Repairers Liability 
  • Employers & Statutory Liability 
  • Machinery Breakdown
  • plus many more

The best place to start with your business' insurance is with the right advice. Find out more about how Certus can help your business, or contact us to get started.

How to make a claim

+ Motor vehicle claims

At the scene of the accident:

  1. Do not admit any liability or take any action that could be construed as acceptance of liability
  2. Take all reasonable steps to protect the property or person from further loss or injury
  3. Obtain the Third party details, if another person or company was involved, ie Vehicle Registration Number, drivers name and address, description of the vehicle
  4. Contact Certus Insurance Brokers immediately for further instructions, and so that a claim form can be sent for completion and an assessor appointed if required

After the accident:

  1. Complete and return the claim form without delay
  2. Your vehicle will need to be taken to a repairer for assessment.
  3. Provide Police details if the police attended the incident
  4. Authorization of repairs must be given by your insurer before repairs can commence

+ Windscreen and window glass claims

  1. Providing your policy includes cover for Windscreens and Window Glass, you simply need to contact a repairer and book your car in to be repaired
  2. Provide your policy number shown on your documentation, or you can contact Certus Insurance Brokers to obtain the information needed
  3. Authorization of repairs must be given by your insurer before repairs can commence, and the repairer will contact your insurer for acceptance of the claim before you arrive
  4. A claim form is not generally required

+ General claims

  1. Take all reasonable steps to protect the property from further damage
  2. Contact Certus Insurance Brokers immediately for further instructions, and so that a claim form can be sent for completion and an assessor appointed if required
  3. Complete and return the claim form without delay
  4. Proof of ownership will be required for items that are lost or stolen
  5. Copies of receipts or a quote for replacement will be required
  6. Notify the Police of any lost property, burglary or theft as a Police Notification number will be required

+ Public liability claims

  1. Do not admit any liability or take any action that could be construed as acceptance of liability
  2. Take all reasonable steps to protect the property or person from further loss or injury
  3. Obtain the Third party details, if another person or company was involved, i.e, the Third Parties name, address and contact phone number(s)
  4. Contact Certus Insurance Brokers immediately for further instructions, and so that a claim form can be sent for completion and an assessor appointed if required
  5. Complete and return the claim form without delay

Other useful how-to's:

+ How to make a change to your policy:

+ How to make an enquiry:

You can contact us by phone or email - our office and after hours numbers are below. Alternatively, if you're looking for one of our team, you can find them here.
Phone

Email

+ How to get a quote

To get started with getting a quote through Certus, contact us and one of our friendly team will be able to help. If you've already got a broker, you can find them here.

In the event of a claim

+ How do I make a claim?

Refer to the How To section, or contact us and we'll manage the process from collecting all of the information, to managing the claim with the insurer, to getting the claim paid.

+ How long does it take for a claim to be processed?

Each claim is different. The severity of loss or damage and the specifics of each claim need to be assessed by the insurer. As your broker we make sure that the claim is handled in a timely manner, and you're kept up to date with progress.

+ Are there any things I need to do immediately when I have a claim?

  • Don't admit liability or take any action that could be construed as acceptance of liability
  • Where the loss/damage involves people or property, take all reasonable steps to protect from further loss or injury
  • Obtain the details of the third parties (anyone else who is involved in the accident). See the How to make a claim section for more information.
  • If you're required to by law, or if you're not sure, contact the Police
  • Contact Certus immediately to let us know you have a claim and we'll give you further instructions

+ Who do I contact in an after-hours emergency?

You can either contact us on our after-hours emergency numbers 021 638 427 or 021 639 286, or contact your insurer on the numbers below:

Your policy

+ How can I pay my premium?

Options for paying
You can pay your premiums in the following ways

  • Monthly instalments
  • Cheque
  • Direct credit
  • Credit card (bank charges apply)

How do I set my payments up?
The best time to set your payments up when you commence your policy. If you want to change the way you pay, get in touch with our friendly team who can help you out.

+ How do I reduce my premiums?

Each policy and situation is different, so if you have any questions about reducing your premiums, get in touch. However, some common ways to reduce your premiums are:

  • Have all your policies with one insurer - this can get you a package discount
  • Add voluntary excesses - by taking more of the risk yourself, this will lower your premium
  • For vehicle insurance, ensure you have named drivers and/or exclude drivers who are under 25

+ How do I know my house is insured for the right amount?

It's really important to make sure your house is insured for the right amount - as this will affect the amount that the insurer pays in the event of a claim.

You can either get a valuation from a registered valuer, or you can use this calculator to get an estimate of the rebuild cost of your house. If you have any questions or need to make any adjustments, get in touch.

+ How long will it take for me to be covered?

When you're getting a new policy sorted, you can be covered the same day if you can provide us with all the required information. We'll confirm to you in writing (via email) that you're covered, and the date your cover starts from.

Here, you'll find useful forms and documents for applying for, changing and claiming on your insurance

Claim forms

Contact us if you have any questions or think you need a different form.



Payment forms

If you have any questions about any of the forms on this page, you can get in touch with us here.