This is a premium based on the length of time the insurer was actually at risk. Usually it is used to describe the few days that fall within the month before payment of the premium started.


Cover on a policy or item start on 20 June.  The monthly premium for the item/policy is R500.  The pro rata premium for June is calculated as follows:

R500 divided by 30 (days in the month) and multiplied by 11 (remaining days in June).  The pro rata premium would be R183.33.

Home and Car Insurance

Insure your assets against damage, loss and liabilities on a Short Term Insurance policy with South Africa’s leading Insurance Companies.

Bond Insurance

Bond Protection Plan to cover your home loan or monthly installments in the event of death, disability, illness, injury or retrenchment.

Life Insurance

Gone are the days of complicated life insurance product offerings and irrelevant policy elements. Buy Life Insurance online or over the phone.

Medical Aid

How do you choose the correct medical aid scheme to look after you and your family when you need it most? This is not an easy task…

Call: 086 110 1338
Fax: 086 743 6455
PO Box 804