Legal and disclosuresWho you're dealing with

Lemonade Insure is the brand and the technology. The broker is Westwood Insurance Brokers (Pty) Ltd, an authorised financial services provider (FSP 16726), an independent South African short-term insurance brokerage. Westwood renders the regulated financial services (quoting, arranging cover, policy administration and claims), collects your premium by debit order and pays claims, both on behalf of the insurer. Lemonade (Pty) Ltd facilitates the administration through its software, which Westwood's staff use. Every policy is underwritten by New National Assurance Company Limited (FSP 2603), a licensed non-life insurer.

Lemonade Insure is a trade mark of Lemonade (Pty) Ltd (registration 2026/770780/07), a technology and marketing company. Lemonade (Pty) Ltd is not a financial services provider and does not provide advice. Westwood Insurance Brokers (Pty) Ltd, an authorised financial services provider (FSP 16726), is the broker: it renders all financial services on this platform (quoting, arranging and administering your cover, and handling claims), collects premiums by debit order and pays claims, both on behalf of the insurer. Lemonade (Pty) Ltd facilitates that administration through its software, which Westwood's staff use. Policies are underwritten by New National Assurance Company Limited, a licensed non-life insurer (FSP 2603). Lemonade (Pty) Ltd is an independent company remunerated by Westwood Insurance Brokers (Pty) Ltd, at fixed fees, for technology and marketing services; it receives no commission or share of premium.

The insurer underwriting your policy is named in your quote and policy schedule. When you transact on this platform, the website acts as the financial-services channel of Westwood Insurance Brokers (Pty) Ltd.

Authorised financial services provider, FSP number 16726, licensed for short-term insurance.

Registration number 2010/015468/07, VAT number 4790255394.

Physical address: 7 Santoni House, 7 Sinembe Crescent, Sinembe Office Park, La Lucia Ridge, 4019. Postal address: PO Box 22006, Glenashley, 4022. Telephone 031 336 9400, Monday to Friday, 08:00 to 16:30, excluding public holidays. Email info@wwib.co.za.

Westwood holds professional indemnity and fidelity insurance.

Compliance officer: ISS Compliance KZN (Pty) Ltd, compliance officer 5980, 140A Kelvin Drive, Morningside. Telephone +27 11 064 1672, email info@nfsgroup.co.za.

Westwood's conflict of interest management policy is available on request.

Nothing on this platform is financial advice. We present product information and quotes calculated at broker-negotiated rates — subject to underwriting and insurer approval; you choose. If you need advice on what cover suits your circumstances, speak to a licensed adviser.

Unhappy with anything? Email complaints@lemonadeinsure.co.za (it reaches Westwood Insurance Brokers (Pty) Ltd's complaints desk, complaints@wwib.co.za) and we'll follow Westwood Insurance Brokers (Pty) Ltd's complaints process. If we can't resolve it, you may approach the FAIS Ombud (www.faisombud.co.za) about the way you were dealt with, or the National Financial Ombud Scheme South Africa (NFO: 086 080 0900, info@nfosa.co.za, www.nfosa.co.za) about a decision by the insurer, including a claim. Both are free to consumers.

Personal information captured here is processed for quoting, policy administration and claims, with Westwood Insurance Brokers (Pty) Ltd as the responsible party under the Protection of Personal Information Act and Lemonade (Pty) Ltd operating the platform on its behalf. It is shared with the insurer to underwrite and administer your policy, and with the service providers needed to run the platform.

To see which of our adverts and links work, your browser remembers for 90 days the campaign or website that brought you here (for example “Facebook advert” or “google.com”) and passes it on with your quote, along with your answer to “How did you hear about us?”. It holds nothing that identifies you, and clearing your browser's site data removes it.

You may ask what we hold about you, and have it corrected or deleted, by emailing hello@lemonadeinsure.co.za.