Claimly Fast.Simple.Claimly

The Problem
In South Africa, millions of policyholders are caught off guard by high insurance excess fees every time they need to claim. Whether it’s a car accident, home damage, or theft, insurers require clients to pay a portion of the cost upfront before the claim is processed. For many households and small businesses, these excess fees, which can range from R5,000 to R15,000 ,create financial strain and often delay or even prevent access to the benefits of their insurance cover.

The Solution (Claimly)
Claimly is an InsurTech start-up that eliminates this barrier by offering excess fee cover. Customers pay a small monthly premium (from as little as R50), and in the event of a valid insurance claim, Claimly steps in to cover the excess fee directly. This makes insurance more accessible, reduces out-of-pocket shock expenses, and gives clients the confidence that their insurance actually works when they need it most.

The Impact
By tackling a pain point often overlooked by tra