Salus Risk

COMPREHENSIVE MOTORCYCLE INSURANCE FOR ALL ADVENTURE RIDERS.

Specialised Motorcycle Cover
Tyre Cover
All risk cover for your Riding Gear
5 Day car Hire

RIDE PROTECTED WITH PEACE OF MIND

**INSURANCE FOR RIDERS BY RIDERS**
RISK

Bespoke Insurance from South Africa’s leading insurers.

Prestige solutions tailored to your needs

V TWIN MOTORCYCLE INSURANCE -
* No Excess
* Tyre Cover
* All Risk Cover for your Riding Gear

RIDE PROTECTED WITH PEACE OF MIND

**INSURANCE FOR RIDERS BY RIDERS**

V TWIN Insurance offers NO EXCESS, COVER for all your RIDING GEAR and TYRE COVER.

Insurance designed by Riders for Riders !

Contact us for comprehensive protection of your bike.

V TWIN INSURANCE for all Harley Davidson, Victory and Indian Motor cylces

Insurance for Riders by Riders

Ride Protected and with peace of mind.

🔐 **The Importance of Buy & Sell Insurance for Business Owners**

What would happen to your business if one of the partners passed away or became permanently disabled tomorrow?

It’s a difficult question — but one every business owner must answer.

Without a properly structured **Buy & Sell Agreement**, a deceased partner’s shares may pass to their family or estate. This can lead to uncertainty, funding problems, operational disruption, and even conflict during an already emotional time.

💼 **Buy & Sell Insurance provides the funding mechanism behind a legally binding agreement.**

Here’s why it matters:

✅ Ensures surviving partners can purchase the deceased or disabled partner’s share
✅ Provides fair market value compensation to the partner’s family
✅ Prevents unwanted shareholders from entering the business
✅ Protects business continuity and stability
✅ Eliminates funding delays during estate administration

A Buy & Sell structure is not just insurance — it’s a **business succession strategy**.

At Salus Risk, we conduct a full Business Needs Analysis and assist with drafting properly structured Buy & Sell Agreements to ensure your business is protected long-term.

If you’re in partnership and don’t have a funded agreement in place, now is the time to review it.

📩 Message me to arrange a confidential review.

ASSETS OUT COVER – ARE YOU REALLY COVERED?

Do you have to list every laptop, watch, handbag or piece of tech to be insured?

Worried you’ve forgotten something that won’t be covered when you need it most?

And does paying a premium for each item feel like it’s adding up fast?

💡 There’s a better way.

With our tailor-made Assets Out Cover, you can insure all your portable assets under one policy – without itemising every single item.

✔ Comprehensive cover

✔ Simpler protection

✔ No stress over forgotten items

Now you can have the cover and peace of mind you have been looking for.

📩 Speak to us to find out more.

Bespoke Insurance for Exotic , Luxury and Performance cars

At Salus Risk, we specialise in luxury, performance, and exotic car insurance for high-net-worth individuals, collectors, and business owners across South Africa.

High-value vehicles require specialist underwriting, agreed value protection, and informed advice. Standard motor insurance is rarely sufficient. As an independent brokerage, Salus Risk structures tailored insurance solutions that reflect the true value, usage, and risk profile of your vehicle.

Who We Insure

Our luxury motor insurance solutions are designed for owners of:

Ferrari, Lamborghini, McLaren

Porsche (including GT, Turbo & limited models)

Bentley, Aston Martin, Rolls-Royce

High-performance BMW M, Mercedes-AMG, Audi RS

Limited-edition, collectible, or imported vehicles

Clients with multiple high-value or specialist vehicles

Whether your vehicle is driven daily, occasionally, or forms part of a private collection, we ensure it is insured properly — not generically.

Speak to us and get your cover done right and have peace of mind.

Buy & Sell Insurance: What Happens If a Partner in your Business Dies ?

Business partnerships rarely fail… until something unexpected happens.

If a partner dies or becomes permanently disabled:
• Who owns their shares?
• Who funds the buyout?
• Can the business afford to pay the partners shares out ?

Without planning, partners may end up:
• In business with a spouse or heirs
• Forced to borrow to pay the partners shares out
• Selling the business under pressure to pay out their partners shares.

Buy & Sell insurance ensures:
• Clean ownership transfer
• Immediate liquidity
• No financial strain on the business

The policy funds the purchase — so partners don’t have to.

It protects:
• Business continuity
• Fair value for the departing estate
• Remaining partners’ control

A strong partnership succession plan protects everyone involved.

Speak to me , lets tailor a succession plan for your company. Lets create certianity and give you peace of mind.

We Ride. We Understand.
Motorcycle insurance at Salus Risk is informed by real riding experience.
Our principal owns and actively rides motorcycles, providing first-hand understanding of:

Harley ownership and lifestyle use
Customisation and extras
Riding Gear and accessories.
Repair quality expectations at claim stage

This ensures our Harley insurance is structured practically, correctly and with genuine insight giving you the best cover.

Insurance for riders by riders.