Indwe Risk and Insurance Services. We are South Africa's largest independent insurance broker. Our clients enjoy the security of knowing that we are one of SA's largest brokers.

Small Area Repair Technology was a first for South Africa when 2 brothers that owned a Scratch and dent repairer realised that there was no cover available for this type of damage in Comprehensive insurance and that excesses will always be incurred when claiming for this damage. The first attempt at this kind of cover failed but when Hollard realised the potential, backed Smart and the giant you know today was born. Scratch and dent repair seems simple enough and many have tried, as the superior product today, Smart have succeeded in reserving successfully in order to satisfy claims whereas competitors struggle with this concept. A niche product that has many benefits for the consumer, the dealer as well as the broker. Traditionally a value ad at dealer point of sale, Smart have now started conquering the direct channel as well as the broker market. Some of the benefits for brokers include a better management of their loss ratios, for direct players it means eliminating the middl

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