Manage your Risk.

At Barker Insurance, we believe a pro-active approach rather than a reactive approach is the key to managing your risk. Managing your risk profile helps to keep your claims or loss ratio* down, which in turn keeps your premiums down.

Below are a few suggestions for managing your risk:

Managing Risk on the Road

Managing Risk at Home

Managing your Risk on the Road.

Your Vehicle Tracking

We ensure that your car/s are fitted with an active tracking device and recommend you download the relevant app to make sure your devices are working properly.

Secure your vehicle, secure your savings

Active tracking device = lower premiums + no theft/hijack excess – One of the most common oversights is assuming your vehicle tracker is active – until you need it and find out the battery is dead or the device is outdated

We’ve partnered with Beame and Matrix to ensure clients are aware of the condition of their tracking devices. Ensure your vehicle tracker is active—remember, no operational tracker means no theft cover.

Smash & grab tint

Extra protection that deters hijackers and reduces injury risk

Lock-blocking awareness

Criminals can jam your remote. Always check doors manually

Safe driving = smart living

Roadworthy = claim-worthy – Regularly check tyres, brakes, and lights. An unroadworthy car risks claim rejection.
No phones while driving – Hands-free or nothing
Never drink & drive – Uber, Bolt, or a designated driver. Book a driver awareness course

Smarter drivers save more

Driver awareness courses – Under 25? Complete one and we’ll waive your young driver excess
Good driving habits – Keep speed down, distances safe, and tempers cool

Protect your home from the unexpected

Surge protection/lightning protection

We waive excess if you have a surge protector with a rating of 40kA or higher. No surge protector? We’ll fit one for free. Read more.

Alternative power cover

Solar, inverters, and batteries must be listed on your policy

Test your systems

Test alarms & panic buttons – Every three months, especially before holidays. No alarm = no theft cover

Preventative Maintenance

Clean gutters – Avoid costly leaks, especially when the spring rains arrive!
Geyser safety – Fit a drip tray or place outdoors. Solar geysers save electricity

Be ready for emergencies

Fire extinguishers – For home, car, and caravan
Protect your tech – Keep phones out of bathrooms (yes, water damage is common)

Trust and transparency

Hire reliable staff and contractors
Keep your policy updated — accurate values and listed items are essential. Book a personal policy review

*What is a claim or loss ratio and how is it calculated?

Why it matters: The claims ratio

Lower loss ratios = lower premiums

Claims ratio = total claims paid ÷ total premiums paid

Example: R60,000 claims ÷ R90,000 premiums = 66.6%

Let Barker be your proactive partner

We’re not here just to sell policies. We’re here to help you live confidently, knowing your insurance works for you, not against you, when things go wrong. So don’t wait for disaster to strike before checking your cover or updating your details. Let’s get ahead of the curve together.

Contact your Barker consultant today to review your cover, check your trackers, or order your complimentary surge protector.

Talk to Us