It's important to be covered.
Let us take the mystery out of insurance!
We cover a large range of solutions.
Call Us : 011 568 4475Â
Our Products
We have a comprehensive product range to cover all of your insurance needs. We take pride in our service excellence and ensure that every client has the best most tailored solutions for their own personal or business needs.
About us
32 Lemons Financial Services is an independent insurance brokerage driven to make a difference in people’s lives through financial services.
Our Value Added Products
Our value added products are there for that little bit of an extra cover to make sure that you do not have to worry about falling short on your insurance needs. Feel free to contact us for that extra personal attention.
32 Lemons
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32 Lemons
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This 100% black female owned organization’s passion is about partnerships. We believe in partnering with like-minded individuals and businesses. We have partnered with strong business brands with industry leadership spanning for over 30 years.
About 32 Lemons
Our focus is to educate our clients about financial services and assist in navigating them though the world of insurance. Insurance can be rather complex and frustrating, and often with long processes to follow. We are committed into turning your lemons into lemonade by walking with you every step of the way.
Our 18 years industry experience allows us to educate and impart our knowledge on the ins and out of insurance with our clients, and to keep them informed of their products and services. Our services go beyond the sales. It’s about instilling trust back into insurance and building long term relationships.
Our products and services are selected based on simplicity and value. Our marketing team ensures that we source only the most innovative products in the market. Our business is based on trust and integrity which are values that we implement in our everyday business.
Your insurance choices are in safe hands now.
Please fill in your details and which products you would be interested in and we will be in contact shortly.
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'I can relax now that I know I'm Covered.'
The one thing that used to keep me up at night was worrying about do I have the right cover.
32 Lemons
Value Added Products
We offer you a number of additional Value Added Products that will enhance our services to you.
Auto Top Up ( Gap cover)
Auto Top Up is a shortfall product which protects the customer in the event of the insured vehicle being written off or stolen and recovered/damaged.
We cover the gap between the claim payment amount from the vehicle insurer and the outstanding finance amount owing to the bank.
We will also insure the deposit paid at the time of purchase of your vehicle.
We will indemnify you for either actual deposit paid or 10% of the insured value of the vehicle at the time of claim.
Scratch & Dent with License Protect
Repair scratches and dents visible on your vehicle up to R5000. Number of claims are unlimited per year.
3 Year Guarantee on all completed work.
License protect will help you renew your motor vehicle license and deliver the license to your door.Â
Mechanical Breakdown
This product offers you financial protection if your vehicle breaks down due to mechanical or electrical failure.
The mechanical or electrical failure occurs to a range of parts, including engine, gearbox, steering, fuel system, cooling system, air-conditioner, drive shafts, prop shaft, or electronic ignition.
Tyre & Rim with Fines Protect
Repairs or replace tyres and/or rims caused by pothole damage on our South African roads
Fines Protect alerts you of any new fine received nationally and negotiates up to 100% discounts on all fines. Also provides an easy payment method for your fines.
Funeral Cover
Provides cover for main member & immediate family including parents, parents-in-law
      Suicide is covered (24 month waiting period applies)
Accidental death claims are settled within 2 working days
Death due to natural causes come with a 6Â months waiting period
HIV/Aids cover is included
One age band of 18-65 years. Whether you are 18 or 65 you will pay exactly the same premium.
Repatriation benefit is included in the plan to help in the transportation of the deceased body to the burial home
Legal Cover
 Covers the Policyholder, spouse and 4 dependent children with legal assistance and representation in and out of the courtroom.
Plans covers criminal, civil, labour and family matters.
The three main benefits under the policy are: –
Basic – Unlimited telephonic advice ONLY for new and existing legal matters. There is no waiting period for this benefit.
Mediation –  Administration service i.e. sending emails, letters of demand, faxes etc. on your behalf. Strategic negotiations until all options are exhausted to resolve matters without going into court. However, should court be inevitable, the litigation benefit shall kick in.
Litigation – Legal representation in court
Litigation Benefit limit start from R55 000/R75 000/R120 000 per annum for the whole family. (waiting periods apply accordingly)
Opposed Divorces up to R10 000
Unopposed Divorces
Maintenance Hearings
Disciplinary hearings
Bail filing
'Our insurance plan covers all aspects of our growing business.'
As we grow we simply add the business insurance that we need -when we need it.
Vision
To be the first point of contact for all insurance needs and be top of mind of every South African, should the inevitable occur.
The Team
Managing Director
Charmaine Dali
Qualifications
University of South Africa
2012 Bachelor of Commerce in Marketing Management
2015 Honors Bachelor of Commerce in Business Management (pending)
Harvard Business Publishing
2013 Mastery in Leadership Principles
University of Kwazulu Natal
2022 UKZN Business Intelligence Programme
McGerald Entrepreneurship Centre
2023 Metropolitan Life Intermediary Development Programme
EdgeGrowth
2023 Metropolitan Life Intermediary Development Programme
Financial Planning Institute
2011 RE 5 qualification
2015 RE 1 qualification( KI)
Our Partners
'As far as personal insurance goes -I'm covered.'
It’s nice to know that I am covered and now I can focus on myself.
32 Lemons
Contact Us
Call us on:
0115684475 or 0722085324
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Thank you for taking the time to view our insurance options.
Let us take the mystery out of insurance!Disclaimer: 32 Lemons Financial Services (Pty) Ltd is a licensed and authorised financial service provider, FSP no. 46912
