Your Hamtern Personal Lines Team, when conducting research and in talking to you, our client, understands that your risks and needs are continuously changing and evolving. We thus acknowledge the key to sustainable relationships in the provision of short-term insurance for the medium to high net worth individual is to ensure that the entire value proposition delivers the following:

  • Options on cover from defined events to all risks

  • Personalised service

  • Competitive pricing

  • Risk management

  • Value-add services

  • Deductible structuring

  • Quality advice to ensure tailored solutions to meet your needs.

  • Supplementary cover options

Hamtern personal insurance embraces all these aspects, enabling us to compete with the top-end products offered by banks and national brokers to VIP clients.


At Hamtern we offer clients an option on insurance cover, products and insurers. These include:

  • Hamtern Personal Asset Care, which is a product exclusive to Hamtern with a number of innovations

  • Old Mutual Insure

  • Discovery Insure, incorporating Vitality Drive benefits and a range of cover options

  • A range of supplementary products.


  • The Hamtern directors have a total of 90 years of broking experience

  • A one-on-one meeting is conducted to complete a client-needs analysis. This is vital to ensure that there are no surprises and your risks are aligned to the insurance cover provided

  • Continuity of personnel and accessibility to staff and business owners

  • The Hamtern touch which strives to add that little bit extra to a client relationship

  • We take a holistic view of our clients’ needs

  • Specialised and qualified product practitioners


We pro-actively assist you to manage your risk exposure, which is key to sustainable competitive pricing.

  • Deductible structuring to suit your risk appetite

  • Facilitate the procurement of appropriate risk management services and products


Our entire proposition provides for a number of value-added services that are support-orientated in both advice and service delivery. Hamtern understands that effective broker-client relationships are enabled by technology. This supports the ability of Hamtern to manage electronic communications where possible, thereby allowing a greater focus on our clients.
The Hamtern Personal Asset Care product is supported by a sophisticated smart phone app which allows access to a number of value-added services.