Protect everyday assets
Short-Term Insurance
Consider how your personal or business assets may be protected against unexpected loss or damage.
Who it may be relevant to
Different needs, considered in context.
- Individuals and families
- Property owners
- Business owners
What to consider
Questions this service can help you explore.
- Your assets or circumstances have changed
- Policy terms are difficult to compare
- Personal and business risks need separate consideration
How PWG can help
What we work through together.
- 01
Clarify assets and risk exposures
- 02
Review existing cover in context
- 03
Identify questions to discuss with an authorised specialist
This page provides general information, not personalised financial, legal or tax advice. Any recommendation is subject to an appropriate advice process.
What to expect
How the conversation usually runs.
No step is a commitment. You decide what happens next at every stage.
We list the assets, property and possessions that matter to you.
We look at what damage, loss or interruption could cost.
We compare that exposure with the cover already in place.
We identify the questions to put to an authorised short-term insurance specialist.
Before you come in
What is useful to have ready.
Rough figures are fine. Nothing here is a condition for starting the conversation.
- What you own, what it would cost to replace, and where it is located.
- Your current short-term policies and the excess levels they carry.
- How your home, vehicle or business premises are used.
Insurance organisations PWG works with
Organisations PWG Short Term Advisors arranges short-term cover with.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Who you may speak to
PWG team members working in this area.
Chris Snyman
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
Ian Kleingeld
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
- Insurance Solutions
Common questions
Questions people ask about short-term insurance.
What does short-term insurance typically cover?
Assets and property rather than people — homes, vehicles, contents, buildings, equipment and the income lost while a business is interrupted. The cover that matters depends on what you own, what it would cost to replace, and what the business would lose if it stopped.
How does business cover differ from personal cover?
They respond to different exposures and are usually arranged separately. Personal cover protects a household; business cover protects trading assets, premises, stock, vehicles and the income of the business itself. Where the two overlap — for example a home used as a business premises — the distinction has to be made deliberately.
What should I have ready for a cover review?
A list of what is insured and where, your current policy schedule with limits and excess levels, and an honest view of what you could not afford to lose. That last point is what determines whether the gaps that emerge are affordable to close.
Would you like to discuss this?
Tell us what you need help with. This is a request, not a confirmed appointment.