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 4475 

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

Get a quote for our Value Added Products:

Auto Top UP

Pre-owned Vehicle & Extended Warranty

Medical Gap Cover

Legal Cover

'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. 

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 6 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.


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

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

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




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