retail value enhancer

Vehicle cover up to 30% above its current retail value.

Get a payout of what your vehicle is "actually" worth in the current marketplace.


If you suffer a loss, you could incur huge additional costs, just to replace your vehicle with a similar one.

Insurers will generally only pay out the retail value according to TransUnion book value. In the current market, to replace your vehicle, you may end up paying way above its retail value.

This is why we pioneered the first of its kind Hybrid Retail Value Enhancer.

The Retail Value Enhancer will cover the vehicle's actual replacement cost.

At the time of loss, we take the average value of available dealer listings for vehicles similar to yours. This gives us the true replacement cost of your vehicle which we apply to your claim. To further protect you, we always pay the higher of either the true replacement cost as determined by the market, or the full retail value at the time of loss, to ensure that we always put you in the best position.

And there is more…

Hybrid Risk Management has amazing discount arrangements in place with dealer networks across the country.

Following a loss, should you choose, we can replace your vehicle with a brand new vehicle of your choice up to the value as calculated in terms of the Retail Value Enhancer. Subject to your bank’s approval to perform the substitution, if your vehicle is still financed at the time of loss.

Terms and conditions apply

Get cover for what your vehicle is "actually" worth

Vilanie Viljoen

"Amazing service and the BEST price by far... Thank you, Angelique, your service is top shelf"

Makhadzi Thukhutha

"Best insurance ever. Called them for assistance and the response was out of this world. Please remain the best"

Gideon Liebenberg

“Luckily we are covered through Hybrid Risk Management, who never forgets us and never forgets to provide a service with a smile and resolve Claims quicker than the Flash."

David Bezuidenhout

“Outstanding service! I just want to give a massive thank you to you guys. From getting my policy sorted out before I even moved over, all the way through to my first ever claim after an unfortunate accident."