FAQs
"Everything you need to know about claims, cover and excess - explained simply for trustees, managing agents and owners in community schemes."
Why use a broker instead of going direct?
We compare multiple insurers for broader options and better value, explain the fine print, handle admin and become your long-term partner. Clients often secure more competitive premiums through brokers than via single-insurer channels.
What do you mean by “Insurance with Certainty"?
It’s our promise to pair flawless execution with peace of mind—precision processes, reliable follow-through and expert guidance in plain English.
Bodies corporate vs. owners - who insures what?
Typically, the scheme insures the building and common property; unit owners insure contents and certain improvements. We’ll clarify the split for your scheme and specific policy wording.
How fast are geyser claims?
For qualifying cases, we aim to authorise within 30 minutes and replace the same day via our 24/7 partners.
What is an Excess Waiver?
An add-on that can remove or reduce the excess you’d otherwise pay on a valid claim - helpful for budgeting and cash flow in communal living.
What is Fortify?
A sectional title-focused solution (via Hereford) designed for broader cover and efficiency for bodies corporate.
Can ProperT help with personal insurance?
Yes - via our partners (including Telesure) for contents, pets, medical, motor warranty and more.
Insurance with Certainty
Specialist insurance advice and risk management for bodies corporate, homeowners’ associations, share blocks and housing developments—delivered with precision, reliability and human clarity.