Let’s be honest, no one loves hearing that their insurance premiums are going up.
Especially not when groceries cost more, petrol’s doing gymnastics, and load shedding’s still lurking.

But this particular increase? It’s different.
From 1 October 2025, Sasria rates are increasing for the first time in years, and here’s why that’s not just expected, but actually a good thing.

What is Sasria? (And Do You Have It?)

Sasria stands for the South African Special Risks Insurance Association.
It’s a government-backed insurer that covers one very specific (but very scary) thing: unrest-related risk.

Think:

• Strikes
• Riots
• Political protests
• Civil commotion
• Sabotage and terrorism

Most insurers exclude these from standard policies. Sasria steps in where others step back.

So if there’s a protest and your building is looted, your standard policy might say “sorry”.
But if you’ve got Sasria cover, you’re protected.

Sasria Endorsement vs Standalone

There are two ways to get Sasria:

• As an endorsement (add-on) to your existing fire/property policy
• Or as a standalone policy, especially if you don’t already have a base cover

Not sure which one applies to you? We’ll help you compare the Sasria cover types and figure out the smartest option for your setup.

Why Is Sasria Getting More Expensive?

From R0.021 to R0.023 per R100 sum insured. That’s about a 9.5% increase.

On a R1 million insured value, your Sasria premium jumps from R2,100 to R2,300 per year.
That’s R200 more - less than most gym memberships.

But here’s the kicker: this increase is based on real numbers, not inflation guesswork.

Cost Drivers Behind the Rate Hike

• Rising claims: Since 2021, Sasria has paid out billions in unrest-related damage. Think looting, vandalism, business interruption, the works.
• Higher repair costs: Steel, cement, labour... everything’s pricier now. A broken window isn’t R2k anymore, it’s R10k and counting.
• Actuarial reviews: A 2025 expert council advised Sasria to increase rates to keep reserves stable and claims sustainable.
• Regulatory oversight: Sasria undergoes regular checks to ensure it stays solvent, even during large-scale unrest events.

This isn’t just a rate hike. It’s a necessary safeguard for one of the most important insurance backstops in South Africa.

Who Should Pay Attention?

Some policies will barely feel the bump. But others? Not so lucky.

Here’s who the Sasria rate hike hits hardest:

• High-value homes and estates
• Commercial and industrial buildings with major rebuild costs
• Sectional title schemes with shared, high-value sums insured

If your replacement value is above R5 million, this isn’t pocket change.

That’s why reviewing your policy now matters more than ever.

What You Should Do (Yes, Right Now)

✅ 1. Renew Before 1 October 2025

If your policy anniversary is in August or September, you can still renew under the old rate.
This is your window to save, and we’ll help you grab it.

✅ 2. Check Your Sum Insured

Is your R3 million policy still enough to rebuild today?
With inflation, underinsurance is a huge risk, and Sasria can’t save what isn’t insured properly.

We’ll help you calculate realistic replacement values and offer underinsurance Sasria solutions if needed.

✅ 3. Compare Your Cover Type

“Should I buy Sasria standalone?” is one of the most common questions we get.
In some cases, yes, it gives you flexibility. But an endorsement is often more affordable and simple.

Want a proper breakdown? We’ll show you the Sasria endorsement advantages, costs, and where you’ll get the best value.

But Is It Still Worth It?

Let’s put it this way:
You don’t choose when unrest happens.
But you can choose whether your policy protects you when it does.

Sasria remains the only cover in SA for special risks of this kind.
And while the price is going up slightly, the alternative, being unprotected, is far more expensive.

Still unsure? Ask yourself this:

🧠 “How does Sasria standalone policy work when everything else fails?”

It works because it’s built for these worst-case scenarios.

Don’t Wait for Chaos. Prepare for It.

The last few years have shown us that political and civil unrest aren’t just headlines, they’re realities.

With TI Brokers, we won’t just sell you a policy.
We’ll:

• Audit your current cover
• Spot any underinsurance or risks
• Help you renew before the new rate kicks in
• Explain everything in plain English (or memes, if that’s your thing)

📞 Call us on +27 10 600 9999
📧 insurance@tibrokers.biz
Or message us directly to get your Sasria policy renewal tips before the October increase.

Let’s make sure your safety net is stitched up and ready, before you need it.