Resource library

Welcome to Bryte's Resource Library—your go-to place for all the information and support you need. To help you stay informed and adequately insured, we've provided essential forms and documents, insurance guidelines, educational blogs, and media updates—all conveniently in one place. Explore the links below to access helpful tools and make the most of your Bryte insurance experience.
Pages of book

Resource library

Insurance guidelines

Shutterstock 1950559639how to Submit a Claim

How to submit a claim

We make the claims process straightforward and hassle-free, giving you peace of mind during difficult times. Our step-by-step guide will take you through the process, from notifying us of your loss to ensuring your claim is finalised efficiently and smoothly.

Shutterstock 2303733317 Ensure Your Assets

Ensure your assets are properly valued

Properly valuing your assets is essential for securing the right coverage and ensuring fair compensation in the event of a loss. Our experts are here to help you assess and update your asset valuations, providing peace of mind that you’re adequately protected.

Shutterstock 2449226109cyber Risk Analysis Initiative

Cyber risk analysis initiative

Cybercrime is increasingly impacting businesses globally, costing the South African economy billions annually. At Bryte, we focus on identifying potential risks to your business and providing tailored solutions to safeguard it. By completing our Cyber Risk Analysis form, you can ensure your company is protected against financial losses and liabilities arising from cybercrime.

Media centre

Educational articles and blogs

Winter Woes Claims Season Unpacked

Winter Woes: Why Insurance Claims Spike in South Africa’s Cold Season

2025-06-10T09:00:00
When the days get shorter and the air takes on that familiar chill, we all start breaking out the blankets and heaters. But we’ve noticed something else that arrives with the cold: a spike in insurance claims.  Every winter, claims for building, home contents and vehicle insurance tend to rise. So why does the cosy season bring increased mishaps? Let’s unpack the curious case of South African winters and what they mean for your cover.  Building Blues: Roofs, Rains and Bursts  Winter weather in South Africa is split down the middle. In Gauteng and beyond, we get dry, chilly days. In the Western Cape? It’s three months of cold fronts, downpours and howling winds. All that rain can turn a small roof leak into an indoor waterfall, while strong winds can send tiles and debris flying. Last year, intense winter storms around Cape Town caused flooding in over 35,000 homes — with roofs blown off, trees toppled, and streets transformed into rivers. It’s no surprise that building insurance claims rise sharply during the wet season.  Elsewhere, the cold can still cause trouble. Freezing nights can crack roof tiles or burst pipes, especially in older homes. And when unexpected hail or snow makes an appearance, we see even more pressure on property. In short, winter puts your home’s structure to the test. A strong building insurance policy is key to weathering the storm.  Contents at Risk: Fires, Blown Circuits and “Brrr-glars”  Staying warm in winter means heaters, fireplaces and sometimes candles, all of which come with risk. Authorities warn that household fires and burn injuries rise in the colder months. Cape Town alone recorded over 900 residential fires during one winter season — many caused by unattended heat sources.  Fires don’t just damage the structure, they destroy furniture, appliances, sentimental items, and everything in between. That’s where home contents insurance steps in.  Another winter risk? Sudden power surges. Voltage spikes can fry appliances in an instant — from TVs and fridges to laptops and routers. It’s worth checking whether your contents policy includes cover for surge damage, and whether your electronics are protected. A surge protector is a small investment that can prevent a big “oops” later.  It’s not just the elements we guard against – it’s also opportunistic thieves. Longer nights give burglars more cover to sneak around, earning them the chilly nickname “brrr-glars”. Dark gardens, open windows, and unlit driveways are common entry points. Outdoor items like gas bottles, tools or patio furniture also become easy targets.  Double-checking that your alarm is working and motion sensor lights are active can help. So can ensuring your contents policy reflects what’s in your home today — not what was there five years ago.  Vehicle Trouble: Slippery Roads and Frosty Fenders  Winter driving brings its own challenges: misty mornings, fogged-up windscreens and, in some areas, black ice. In the Cape, rain-slick roads are common. Upcountry, thick fog and early frost can turn a calm commute into a white-knuckle trip.  Shorter daylight hours mean more of us are on the road in the dark — when accidents are statistically more likely. Even sun glare can become a factor during winter mornings and evenings, when the sun sits lower in the sky. Add to that cold-weather car issues like reduced tyre pressure or batteries that just won’t start, and it’s clear why motor insurance claims typically rise in winter. The good news? Most of these issues are avoidable with a little prep. Check your tyres, brakes, and wipers early in the season. Drive cautiously in bad weather and make sure your policy includes the support you’d want on a cold roadside — like towing or car hire cover. Stay Safe and Covered This Winter  Our claims team knows winter tends to be busy — but a little preparation can go a long way. Servicing heaters, checking gutters, locking up early and being alert behind the wheel all help reduce the likelihood of having to claim. Of course, even with the best planning, life happens. That’s why we’re here. Now’s a great time to review your policies, update your cover, and speak to us or your broker about any changes you’ve made to your home or vehicle setup.  Ready to winter-proof your peace of mind? We’re here to help. Reach out to our team or your broker for a policy health check, and let’s make sure you’re fully covered for the frosty season ahead: https://www.brytesa.com/contact-us [https://www.brytesa.com/contact-us]
Hospitality Trends

Adapting to 2025 Hospitality Trends: Are you Ready?

2025-03-06T09:00:00
The hospitality industry in South Africa is buzzing with opportunities as we head into 2025, but staying ahead means navigating some tricky terrain. From power outages to rising cyber threats, businesses are juggling more risks than ever. The good news? With the right preparation, you can tackle these challenges head-on. At Bryte, we’re here to shine a light on the trends shaping the industry and how you can stay resilient. Power Surges: When the lights go out It’s no secret that power surges are an unwelcome guest in South Africa’s hospitality scene. From cold showers to dead devices, outages can put a damper on guest experiences and dent your reputation. While solar panels and battery storage are on the rise, they come with hefty price tags. Balancing sustainability with resilience is a challenge businesses can’t ignore. How Bryte helps:  Our tailored cover for power surges ensures your operations stay up and running, even when the lights aren't. Cybersecurity: Don’t let hackers crash the party As hotels embrace smart tech and online bookings, the risk of cyberattacks is growing. A breach doesn’t just hit your wallet, it shakes guest trust, too. Automation might be the future, but keeping data secure is the name of the game in 2025. How Bryte helps:  From data breaches to operational hiccups, our cyber risk cover keeps your business protected, leaving you to focus on creating unforgettable guest experiences. Guest Safety: Accidents happen Slip-and-fall claims, stolen belongings, or medical emergencies—guests expect you to have their back. The stakes are even higher as expectations for tailored service and personalisation continue to grow. How Bryte helps:  We’ve got you covered with public liability insurance and crisis management services, so you’re always ready to step in and support your guests. Going Green: Risks in sustainability Solar panels, water-saving systems, eco-friendly practices; guests love green, but sustainability comes with its own risks. Equipment failures or supplier hiccups can quickly turn an eco-win into a logistical headache. How Bryte helps: We provide cover for green initiatives, ensuring your sustainability goals don’t leave you exposed to new vulnerabilities. The Human Factor: Keeping staff covered The people behind your business are your greatest asset and managing staff risks is more critical than ever. From training to personal accident, businesses need to ensure their teams are supported and secure in this evolving industry. How Bryte helps: Our staff personal accident cover gives you peace of mind, so you can focus on building a motivated and protected workforce. To Wrap-Up South Africa’s hospitality industry is full of potential in 2025, but staying ahead means thinking ahead. At Bryte, we’re here to help you manage the unexpected, adapt to change, and thrive in a fast-evolving landscape. Because when you’ve got the right support, the future looks a whole lot brighter.* Discover how Bryte can help your business thrive: https://www.brytesa.com/specialist-business-insurance/hospitality-insurance [https://www.brytesa.com/specialist-business-insurance/hospitality-insurance] *Terms and Conditions and Exclusions apply. Reach out to your chosen broker or travel agent for further assistance, or contact us directly via our website: https://www.brytesa.com/contact-us [https://www.brytesa.com/contact-us]
Pack Bryte Travel

Travel Insurance: The Hidden Benefits You Should Know About

2025-01-14T09:00:00
When we think about travel insurance, the usual suspects come to mind: lost luggage, delayed flights, and medical emergencies. While these are critical, travel insurance offers so much more. With Bryte Travel Insurance, you can enjoy peace of mind knowing you're covered for situations you might not even have considered. Here are some of the hidden benefits you should know about as you plan your 2025 adventures: Pet Care Assistance Ever thought about what happens if your trip is unexpectedly extended? While you're stuck sorting out unavoidable delays at the end of your international journey, your furry friends back home may need care. Bryte’s pet care cover ensures that your extended time away doesn’t mean extra stress. This benefit helps cover the costs of boarding your pets, so you can focus on getting home safely. Winter Sports Cover Heading to the slopes? Bryte Travel Insurance has your back when it comes to snow-packed adventures, from covering ski mishaps to avalanche-related delays. Even your winter sports equipment is protected against damage or loss, ensuring a smooth and safe experience. Substitute Colleague Expenses Business trips don’t always go as planned. Emergencies can strike, leaving you unable to complete your work commitments. Bryte covers the cost of sending a colleague to take your place, ensuring your business continuity isn’t disrupted. This feature is invaluable for companies looking to protect their investments in critical business travel. Emergency Cash Transfer Assistance Lost your wallet or had it stolen while abroad? It’s not just an inconvenience; it can leave you stranded in a foreign country. Bryte Travel Insurance steps in with emergency cash transfer assistance, so you can access funds quickly and securely when you need them most. Our travel insurance experts will guide you throughout the entire process, ensuring you get that money back. Legal Liability Protection Accidents happen, and sometimes, they come with legal repercussions. Whether it’s accidental damage to property or an unforeseen personal liability issue, Bryte’s legal liability cover ensures you’re protected against costly claims while travelling abroad. Why Choose Bryte Travel Insurance? Bryte isn’t just about the basics—it’s about preparing you for the unexpected. We’ve designed our policies to reflect real-world traveller needs. As trends like eco-travel and blended work-leisure trips rise, so do unique risks. Bryte ensures you’re covered for every adventure, whether it’s a family getaway, a business trip, or a spontaneous ski weekend. Travel insurance is more than a safety net—it’s a tool for exploring the world confidently. Ready to Travel Smarter in 2025? Plan your 2025 trips with Bryte Travel Insurance by your side. Explore our comprehensive cover and hidden benefits today: https://www.brytesa.com/travel-insurance [https://www.brytesa.com/travel-insurance] *Terms and Conditions and Exclusions apply.
Weathering the storm. Are you adequately covered against flood damage?

Safety first: Your guide to weathering storms safely

2024-11-25T09:00:00
In recent months, heavy rainfall has wreaked havoc across parts of Gauteng, the Western Cape, and Kwa Zulu-Natal, resulting in significant damage to local infrastructure, property, and vehicles. With the frequent surge of extreme weather cases and the heightened risk of flooding, Bryte Insurance shares some tips to help safeguard people and possessions. Safety tips during a thunder and lightning storm 1. Switch off and unplug all electronic devices, especially during thunderstorms. The surge from a lightning strike can damage your devices. 2. Park your vehicle under cover to avoid hail and damage from falling debris. This cover should not be a tree, as strong winds may cause falling branches to damage your car. Safety tips during heavy rains/flooding 1. If you reside in an area prone to flooding, invest in sandbags to help divert 'runoff' water away from your house. 2. If possible, move your highest-value items to the upper-level floors or top shelves. Keep your important documents, such as ID, passports, and birth certificates, in a water-resistant container. 3. Turn off your electricity supply to avoid or minimise the risk of electrical shock. 4. If flooding could compromise your safety or the integrity of your home, consider whether evacuating your home is the safest course of action. 5. Remember that vehicles, even off-road capable 4x4 bakkies, can be swept away by swiftly moving water. 6. If you are caught in a flooded area, and your car stalls or is stuck, do not attempt to drive out. Rather, get yourself to safety.                
View all

Resource library

Media centre