1. Introduction These Terms and Conditions govern your use of our website and the services provided by Murphy’s Insurance Brokers, an authorized Financial Services Provider (FSP) licensed under the Financial Advisory and Intermediary Services Act, 2002 (FAIS Act) with FSP Number 54915, and regulated by the Financial Sector Conduct Authority (FSCA). We specialize in short-term insurance for personal and commercial clients, including agricultural, logistics, and business risks. By accessing our site or engaging our services, you agree to these terms. If you do not agree, please do not use our services.

2. Appointment and Services You appoint us as your insurance broker for short-term insurance needs, including advising on, arranging, and administering policies for personal items, commercial assets, vehicles, or business operations. We will act in your best interests, provide suitable recommendations based on your disclosed information, and handle policy maintenance, premium collections, and claims processing. Services may include risk assessments and comparisons from multiple insurers. We are not an insurer and do not underwrite risks.

3. Disclosures Under FAIS

• Legal Status: We are an independent broker with mandates from various short-term insurers. We do not hold more than 10% shares in any insurer, and no insurer holds more than 30% in our business.
• Remuneration: We earn commissions from insurers (typically 12.5-20% of premiums for non-motor and 5-12.5% for motor) and may charge fees for services, disclosed upfront. Fees comply with Policyholder Protection Rules (e.g., Rule 12.4.1 for short-term insurance). No incentives influence our advice.
• Conflicts of Interest: Our policy is available on request. We avoid conflicts and disclose any that arise.
• Professional Indemnity: We hold indemnity insurance for errors or omissions.
• Supervision: All representatives are FAIS-compliant; some may operate under supervision.
• Binder Functions: We may perform administrative tasks (e.g., claims handling) on behalf of insurers, as per our agreements.

4. Your Responsibilties  Provide accurate, complete information for quotes or policies. Notify us of changes (e.g., asset values, risks). Pay premiums on time; failure may void coverage. Review policy documents carefully—we are not liable for insurer decisions.

5. Claims and Complaints Submit claims promptly with supporting evidence. We assist but cannot guarantee outcomes. For complaints, contact our Compliance Officer at LLAN@MURPHYSINSURANCE.CO.ZA or 082 303 2544. Unresolved issues can go to the FAIS Ombud, Ombudsman for Short-Term Insurance (part of the National Financial Ombud Scheme South Africa), or FSCA.

• FAIS Ombud (for complaints against financial service providers): Tel: 012 762 5000; Email: info@faisombud.co.za; Website: https://www.faisombud.co.za/
• Ombudsman for Short-Term Insurance (OSTI, now under National Financial Ombud Scheme – NFOSA; for policy and claim disputes): Tel: +27 11 726 8900; Email: info@osti.co.za; Website: https://nfosa.co.za/ or https://www.osti.co.za/
• FSCA: Tel: 0800 110 443.

6. Limitations of Liability We provide advice in good faith but are not liable for losses from insurer insolvency, policy exclusions, or your non-disclosure. Liability is limited to our indemnity coverage. No warranties beyond FAIS requirements.

7. Termination Either party may terminate with 30 days’ notice. We will assist in transferring policies.

8. Governing Law These terms are governed by South African law. Amendments must be in writing.

9. Contact Us Murphy’s Insurance Brokers, 107 Turkoois Street, Lyttelton Manor, Pretoria, 0157. Tel: 082 303 2544. Email: LLAN@MURPHYSINSURANCE.CO.ZA. Business Hours: 08:00 – 17:00, Mondays to Fridays (closed on Public Holidays, Saturdays, and Sundays).