Heritage Risk Advisory
ExperienceIntegrityProtection
Insurance advice for families and owner-managed businesses, in writing and reviewed every year.
An authorised financial services provider, FSP No. 12790
Built to be handed down
A home, a business, the income that keeps a family going. We make sure the cover behind each one would pay out in full if it were lost.
Experience
Advice shaped by how claims are really assessed, not by how policies are sold.
Integrity
Our fees and commission are disclosed in writing before you sign anything.
Protection
Cover checked against what it would really cost to replace what you own.
What we offer
One adviser for everything a family or business would struggle to replace.
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Risk advisory
A full review of what you own, earn and would lose, before any policy is chosen.
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Insurance solutions
Home, contents, vehicles and valuables, placed with insurers we compare for you.
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Wealth protection
Life, disability and severe illness cover that keeps the household income going.
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Business risk
Property, liability, key person and buy-and-sell cover for owner-managed businesses.
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Legacy planning
Life cover that pays the estate's costs, so heirs are not forced to sell.
We advise on [licence categories, e.g. short-term personal lines, short-term commercial lines, long-term risk] products, as authorised by the Financial Sector Conduct Authority.
What would a claim really pay?
If you are insured for less than it would cost to replace what you have, most property policies pay a claim in proportion. This is called average, and it is the most common reason a claim pays less than people expect.
Illustration only, not advice. It assumes the policy applies average and leaves out the excess. Your own policy wording decides what is paid.
Your home
- Insured for
- The insurer pays
- R400 000
- You carry
- R200 000
You would carry R200 000 of a R600 000 loss.
Heritage Risk Advisory
FSP No. 12790
How we work
The same four steps for every client, each one on record.
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First, we learn what you own.
Client fileNew
Received 3 Nov 2026
Needs: home, vehicles
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Then we compare insurers.
Client fileComparing
Rebuild cost: checked
Insurers compared: 4
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Then we advise, in writing.
Client fileAdvised
Record of advice: sent
Fees and commission: disclosed
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Then we review it every year.
Client fileOn cover
Policy start 1 Dec 2026
Next review 1 Dec 2027
Talk to us
- sales@
heritageriskadvisory.co.za - Telephone
- [+27 00 000 0000]
- Hours
- Mon–Fri, 08:00–17:00
- Office
- [Office address]
If something goes wrong
Tell us. We handle every complaint under our written complaints procedure, acknowledge it promptly and keep you informed until it is resolved.
complaints@heritageriskadvisory.co.zaNot resolved? The FAIS Ombud
You may refer a complaint about our advice or service to the Ombud for Financial Services Providers.
- Telephone
- 012 762 5000
- info@faisombud.co.za
- Website
- www.faisombud.co.za
A complaint about an insurer's decision on a claim goes to the insurer first, then to the National Financial Ombud Scheme (www.nfosa.co.za).