Sectional Title and Body Corporate Insurance Review
Before renewal or AGM, trustees should check whether the scheme’s insurance is still practical, properly documented and clear enough for owners to understand.
A policy review is more than a premium comparison.
A practical review checks whether the scheme can rely on its cover during a claim. The review should look at replacement value, excesses, water damage, public liability, fidelity cover, trustee indemnity, special conditions and claims history.
What we check during a scheme insurance review.
- Building sum insured and valuation basis
- Geyser, water damage and storm damage excesses
- Public liability and common property risk
- Fidelity cover and trustee indemnity
- Claims history, special conditions and exclusions
- Owner communication and claim procedure
Build a complete trustee insurance record.
Body Corporate Insurance Broker
Main page for body corporate insurance reviews, claims and renewal support.
RequirementsBody Corporate Insurance Requirements
A trustee guide to the cover and documents commonly reviewed for schemes.
ObligationsBody Corporate Insurance Obligations
Practical insurance obligations trustees and managing agents should keep on record.
ExplainerSectional Title vs Body Corporate Insurance
Clarifies the difference between technical sectional title cover and body corporate insurance.
OwnersOwner Insurance vs Body Corporate Insurance
Explains what the scheme policy normally covers and what owners should insure separately.
CoverWhat Does Sectional Title Insurance Cover?
A direct guide to buildings, common property, liability, geysers and exclusions.
Need help reviewing body corporate insurance?
Lowensvlei Insurance Brokers assists body corporates, trustees and managing agents across the Western Cape with insurance reviews, renewal checks, geyser and water damage claims, public liability, fidelity cover and trustee insurance support.
Request an Insurance Review →Insurance review FAQs
When should a sectional title insurance review be done?
Ideally before renewal or AGM, and also after repeated claims or major changes to the scheme.
What documents are needed?
A policy schedule, latest valuation, renewal terms, claims history and any unresolved claim documents are useful.
Can you review an existing broker’s policy?
Yes. We can help trustees understand the existing policy position and identify questions to raise before renewal.