Insurance for your
Body Corporate
Peace of mind for your complex - Tailored cover for common property
- Affordable solutions for every community
Comprehensive Cover for your
Community Scheme
In uncertain times, you need an insurer with experience, expertise, and a solid promise of reliability. Dial Direct provides more than just cover, you get peace of mind and service you can trust.
Managing a Body Corporate or Homeowners Association (HOA) comes with risks, from property damage to liability claims, unexpected events can impact your community. That’s where we come in.
Body Corporate Insurance
Protects buildings and common property in residential complexes from risks like property damage, liability claims, and unforeseen incidents. Our tailored solutions give trustees and owners the confidence that their investment is secure.
Homeowners Association (HOA) Insurance
Covers common property, liability, and unexpected damages in residential estates. With our expertise, you can protect your community’s assets and ensure long-term security and financial stability
With Dial Direct your community scheme is covered, ensuring financial security and peace of mind for trustees, owners, and resident
Get your tailored Hospitality Insurance quote today.
What is the difference between a Body Corporate and a Homeowner’s Association?
The main difference between a Body Corporate and a Homeowners Association (HOA) comes down to the type of property ownership and how the community is set up:
Body Corporate
Ownership structure:
A Body Corporate is commonly found in sectional title developments, such as apartment buildings or townhouse complexes. Individual units are owned by separate owners, while the land and common areas are collectively owned.
Common property:
The Body Corporate is responsible for the maintenance and management of common property, including exterior walls, roofs, gardens, and shared facilities.
Governance:
A Body Corporate is governed by a group of elected owners, typically referred to as trustees or a management committee. They enforce rules, manage finances, and maintain common property.
Levy:
Unit owners pay a levy to the Body Corporate to fund the maintenance and management of common property and facilities.
Homeowner’s Association
Ownership structure:
In an HOA, individual properties are usually full-title homes, meaning each homeowner has exclusive ownership of their property, including the land it sits on.
Common areas:
The HOA owns and maintains common areas and facilities, such as parks, swimming pools, and community centres.
Governance:
An HOA is typically governed by a board of directors or trustees, elected by the residents. The board enforces rules and regulations and manages the community.
Levy:
Homeowners pay a levy or fee to the HOA to cover the costs of managing and maintaining common areas and facilities.
Body Corporate
Ownership structure:
A Body Corporate is commonly found in sectional title developments, such as apartment buildings or townhouse complexes. Individual units are owned by separate owners, while the land and common areas are collectively owned.
Common property:
The Body Corporate is responsible for the maintenance and management of common property, including exterior walls, roofs, gardens, and shared facilities.
Governance:
A Body Corporate is governed by a group of elected owners, typically referred to as trustees or a management committee. They enforce rules, manage finances, and maintain common property.
Levy:
Unit owners pay a levy to the Body Corporate to fund the maintenance and management of common property and facilities.
Homeowner’s Association
Ownership structure:
In an HOA, individual properties are usually full-title homes, meaning each homeowner has exclusive ownership of their property, including the land it sits on.
Common areas:
The HOA owns and maintains common areas and facilities, such as parks, swimming pools, and community centres.
Governance:
An HOA is typically governed by a board of directors or trustees, elected by the residents. The board enforces rules and regulations and manages the community.
Levy:
Homeowners pay a levy or fee to the HOA to cover the costs of managing and maintaining common areas and facilities.
Cover automatically included
(under buildings combined)
Under buildings combined you may claim for loss of or damage to the physical structure of your business building and its outbuildings.
Accidental damage
R250 000
Malicious damage
Full Value of Building Sum Insured
Limited leakage
Full Value of Building Sum Insured
Subsidence & landslip
Full Value of Building Sum Insured
Employers liability
R10 000 000
Machinery breakdown
R50 000
Fidelity guarantee
R50 000
Loss of money
R25 000
Public & trustees liability
R50 000
Office contents
R100 000
Get Payback Bonus for your Business
Add the optional Payback Bonus to your Dialdirect Insurance policy to start earning rewards
Payback Bonus rewards you for:
Remaining claim-free for four uninterrupted years- The pay-out you’ll receive will either be your entire first year’s premiums or up to 25% of all your premiums paid over those four years, whichever is the lesser.
+27 720
customers received their Payback Bonus
over the last 5 years
+R284 mil
paid out to customers in Payback Bonus over
the last 5 years
*Payback is an optional benefit available at an additional cost. Cover and Payback Terms & Conditions online. The figures above are based on Payback received by all DialDirect customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
Additional cover, automatically included
We offer additional cover for the specific needs of your business, this includes:
Demolition and clearing costs
Full value of building sum insured.
Professional fees
Full value of building sum insured.
Fire-fighting charges
Full value of building sum insured.
Other tenants
Full value of building sum insured.
Power Surge
Full value of building sum insured.
Temporary Removal
Full value of building sum insured.
Gate Motors
Full value of building sum insured.
Glass
Full value of building sum insured.
To view the full list of Additional Home Insurance Cover Automatically Included, download the brochure below.
Mortgage Insurance Clause
Mortgagee interest protection
The interest of any mortgagee in the buildings, improvements, landlord’s fixtures and fittings and rent insured only, shall not be prejudiced by any act or omission, on the part of the Body Corporate, mortgagor or mortgagor’s tenants resulting in an increased hazard, provided that such acts or omissions have been affected without the knowledge of the mortgagee.
Total loss payment to mortgagee
In the event of a total loss, we will only indemnify the mortgagee for the outstanding balance still due on the property. The mortgagee shall, however, inform us as soon as such act or omission comes to the attention of the mortgagee and the Body Corporate shall be responsible for any additional premium payable from the date, we agree to take on an increased hazard.
No indemnification for increased hazard
In the event of any act or omission, as defined in the general terms and conditions of the policy, by the Body Corporate, mortgagor or mortgagor’s tenants which resulted in an increased hazard, no indemnification shall take place to the Body Corporate or mortgagor.
Biz Assist will help your business grow
We’re committed to your business success. Our Body Corporate Insurance offers Business Assist benefits at no extra cost to ensure your business runs smoothly. From roadside emergencies to tender assistance and digital growth, these are just a few examples of what's included.
Office Assist
Emergency Medical Assist
IT Help Desk
Digital Marketing
Collections Assist
Credit Report
Tender Assist
Financial Advice
Office Assist
Emergency Medical Assist
IT Help Desk
Digital Marketing
Collections Assist
Credit Report
Tender Assist
Financial Advice
DialDirect Business Insurance includes
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Public Liability Insurance
Gives you the backup you need when the unexpected strikes. From a client tripping over a cable to accidental damage at a customer’s premises, we’ve got you covered.
Quit the yada yaya.
Get Body Corporate Insurance today!
