About Us

At Bluecrystal Financial Services we only work with some of the Leading Insurance companies in South Africa. By doing this we can assure you that we have the perfect product for your needs. Insurance for individuals does not need to be complicated and our approach to Personal Insurance is to provide simple insurance solutions underwritten by the best insurance company at the most competitive rates.

We were established in 2007 with a burning passion for people and to deliver a service like none other.

We are service driven on both admin and claims and have specialised staff in each department of our business. the foundation of our service rest on our exceptional level of personal attention your receive from our highly trained personnel.

Miemie (The Managing Director of Bluecrystal Financial Services CC) has been in the industry for 20+ years and is the proud title holder of SA Business woman of the year 2008/2009.

2013 we extended our Business to include life insurance and to ensure we are a “one stop broker” and that we could expand to accommodate for all your Insurance needs.

Lets work together! Drop us an e-mail and we could get started on our journey together.

Financial Services

Personal Insurance

Car Insurance at Bluecrystal Financial Services can cover you for every eventuality including temporary car hire, breakdown assistance, loss of keys as well as the major risks such as accidental damage to your vehicle and theft.

We have a range of excess options available, from a complete excess waiver up to flat excess which is lower than most of our competitors. If Individuals over the age of 55 do not pay any basic excess on their vehicle policy. We can arrange a tracking device system for you with the leading companies in South Africa.

Depending on the Insurance company the Assist Benefits include the following:

  • Roadside & Accident Assistance
  • Home Assistance
  • Medical Assistance
  • Home Safe Chauffeur
  • Legal Assistance

Our approach to Car Insurance at Bluecrystal Financial services is to provide cost effective, easy to understand insurance through the best insurers at highly competitive rates. We want to make sure that when you need to claim, your expectations are met.

With Bluecrystal Financial services you do not need to nominate drivers on your policy, anybody can drive your vehicle provided they are licensed to drive.

Contact us or complete our online quote form to find out what we can do for you.

Building Insurance for residential properties covers you against the common risk such as fire and storm, but as with most insurance there are optional extensions that need to be properly considered otherwise you are at risk of not being properly insured in the event of a claim. Bluecrystal Financial services will assist you in determining the correct insurance structure for your residential property by asking the right questions at the time that you take out the cover, not when you claim.

House Contents Insurance cover’s your possessions whilst they are on your residential premises, or while they are temporarily at another residence, for example when you are on holiday. You must ensure that your sum insured for House Contents on your policy includes ALL of your possessions for the full replacement value. If not then you risk being underinsured in the event of a claim. If you are underinsured your claim will only be paid out proportionately depending on the extent to which you are underinsured.

To give a short explanation of the scenario of being under insured during a claim:

If at the time of loss or damage the cost of replacing the property insured as new is greater than the sum insured, you will be responsible for the difference and will bear a rateable proportion of the loss or damage accordingly. For example, if your sum insured is R200 000 and it is found that the replacement value is R300 000 and your Loss is R30 000 you will be paid R20 000 calculated as follows: R200 000 / R300 000 X R30 000 = R20 000

Our Personal Insurance Policy now automatically gives you accidental damage cover, and we would recommend that you extend this cover by taking Mechanical/Electronic Breakdown cover to also cover you in the event of a power surge damaging your electronic equipment.

Special considerations under house contents:

You must ensure that your sum insured for House Contents on your policy includes ALL of your possessions for the full replacement value. If not then you risk being underinsured in the event of a claim. If you are underinsured your claim will only be paid out proportionately depending on the extent to which you are underinsured.

As soon as you leave your residential premises, the belongings that you have with you are only insured if they are specified under the All Risks section of your policy. You can elect to specify an amount for Clothing and Personal Effects and use this as a blanket cover but it will only cover clothing and personal effects (i.e. not electronic equipment) and you will only be able to claims up to a limited amount per item. Items for example, Cell phones, Laptops, I-pads, GPS, I-pods, Jewellery etc. should be specified under your all risk section at an additional premium.

Jewellery under House Contents is limited to R10,000 unless it is kept in a locked and wall-mounted safe, in which case it is covered for one-third of your House Contents sum insured. When you leave your property, your jewellery and anything else you have with you is only covered if it is specified on your policy.

All Risk insurance for portable possessions is a vital part of your personal insurance. The minute we leave our residence anything that we have with us may not be covered by our house contents policy so speak to us about your portable possessions so that we can ensure that you are correctly covered.

As soon as you leave your residential premises, the belongings that you have with you are only insured if they are specified under the All Risks section of your policy. You can elect to specify an amount for Clothing and Personal Effects and use this as a blanket cover but it will only cover clothing and personal effects (i.e. not electronic equipment) and you will only be able to claims up to a limited amount per item. Items for example, Cell phones, Laptops, I-pads, GPS, I-pods, Jewellery etc. should be specified under your all risk section at an additional premium.

Business Insurance

We have an in depth knowledge of these industries and have designed specific products to meet all possible requirements. Tailor-made risk management programmes supported by broad form seamless insurance cover ensure adequate and cost effective protection for clients.

Products Offered:

  • Guarantees
  • Machinery Breakdown
  • Advanced Loss of Profits
  • Liability
  • Professional Indemnity
  • Defective Workmanship and Products Liability

The management and employees have wide experience, not only regarding the various insurance requirements of clients, but also in depth knowledge of how clients operate and of their insurance markets available, both locally and internationally. This, combined with extensive experience in negotiating the best possible terms, enables the company to meet the insurance needs of its clients.

Products Offered:

  • All short term insurance requirements
  • Risk Management Advice
  • Specific niche Products
  • Individualised Corporate Solutions
  • Accident and Disability Insurance
  • Broadform Liability
  • Directors & Officers Liability
  • Employment Practices Liability

Contact Us

Address: 94 Willem Botha, Eldoraigne, Centurion, 0157
Tel: 087 057 0490
Email: miemie@bluecrystal.co.za or willie@bluecrystal.co.za