Divani Insurance
Portfolio Management

A dedicated insurance department - just for you. We manage your insurance policies, renewals, claims, valuations, and everything in between. Simple, transparent, and built around your life.
Request Portfolio Management
Divani Portfolio Management — Full-Service Insurance Concierge

Insurance Portfolio Management

A dedicated insurance department - just for you. We manage your insurance policies, renewals, claims, valuations, and everything in between. Simple, transparent, and built around your life.
Request Portfolio Management

The Value You Get

At Divani we take the busy work out of insurance. Hand over your policies and we’ll manage the details so you get better protection, faster claims and fewer surprises — without paying a fee for our service. Below is how we add value, every day.
1

Centralised Policy Management

We gather and organise every policy you have into one secure view. We track cover limits, endorsements, beneficiaries and renewal dates so your portfolio is always up to date.

2

Coverage Audit & Optimisation

Our experts review your policies to remove overlap, fill gaps and make sure limits match your real needs. We also check for underinsurance and recommend appropriate adjustments.

3

Claims Assistance & Handling

We guide you file claims, from documenting the incident to submitting forms, following up with insurers, and helping speed settlement. We keep you updated at every stage.

4

Renewal & Placement

Before any renewal we run the market for you: compare quotes, negotiate terms, and present clear options. Target is to find ways to improve cover and save you money.

5

Sum Insured Reviews

We help you get accurate valuations for homes, businesses and high-value items to avoid underinsurance. We advise on revaluation and help prepare required documentation.

6

Personalised Risk Assessment

We analyze your lifestyle, assets and business risks to build a tailored protection plan — prioritising what matters most and offering clear trade-offs so coverage matches your goals.

Who's This For?

Divani’s Portfolio Management Service is built for individuals and organisations who want stress-free, fully optimised insurance. If you’re juggling multiple policies or simply want an expert to handle everything for you; this service is designed for you.

Families With Multiple Covers

If your household has motor, medical, home, personal accident or education policies spread across insurers, we bring everything under one organised system.

  • One clear view of all family policies

  • Better coordination of benefits

  • Protection against duplicate or insufficient cover

  • Easier renewals and cross-policy planning

Busy Professionals & High Performers

If your schedule is packed and insurance admin slows you down… this service saves you time, money and mental energy.

  • No more paperwork, renewals or follow-ups

  • Faster claims handled by your personal manager

  • Optimised cover that adapts as your life changes

  • A single point of contact for all your policies

Small & Medium Businesses (SMEs)

Business owners often pay too much for coverage that doesn’t match their risk. We streamline and professionally manage your entire insurance structure.

  • Consolidated cover for assets, vehicles, employees and liability

  • Gap analysis to reduce exposure and financial risk

  • Competitive market pricing for renewals

  • Hands-on support during claims that affect operations

Property Owners & Homeowners

If you own property or valuable household items, underinsurance is a real risk. We help you protect your assets properly.

  • Accurate valuations for buildings and contents

  • Correct sums insured to prevent claim shortfalls

  • Annual reviews that reflect upgrades or new purchases

  • Smooth, guided claims in case of fire, theft or damage

Individuals With Complex Insurance Needs

If you have multiple assets, several vehicles, or specialised personal or business cover, Divani handles the complexity for you.

  • Tailored portfolio strategy

  • Regular reviews to match evolving risks

  • Proactive optimisation to avoid overpayment

  • A dedicated manager who understands your entire setup

Anyone Tired of Managing Insurance Alone

If insurance feels confusing, overwhelming or disorganised; you don’t have to handle it by yourself.

  • Clear explanations in simple language

  • Ongoing support and quick answers

  • A fully managed, stress-free insurance experience

  • No fees — ever. We only earn a commission when placing your cover.

How it Works

Managing your insurance shouldn’t feel complicated. Our process is designed to be simple, transparent and personalised. Here’s what happens from the moment you reach out, all the way to ongoing management of your entire insurance portfolio.

✦ Onboarding & Initial Assessment

Once you submit your assessment form with your basic policy details and annual premium spend, we review your information and assign the right portfolio manager for your profile. This step helps us understand the size and complexity of your insurance footprint so we can prepare for your onboarding properly. We then reach out to confirm receipt and schedule your discovery call or meeting.

✦ Discovery Call or Meeting

This initial conversation allows us to understand your lifestyle, assets, business needs, and pain points. We discuss the policies you currently hold, any challenges you’ve faced with insurers, and what you want to achieve, whether it’s simplicity, better pricing, stronger cover, or long-term stability. By the end, we establish a clear picture of what matters most to you and how we can tailor your portfolio.

✦ Risk Assessment & Portfolio Audit

We review all your existing policies in detail, checking sums insured, limits, exclusions, endorsements, valuations, deductibles, and insurer terms. We identify overlaps, outdated information, areas of underinsurance, and unnecessary extras you may be paying for. This audit gives us a technical, fact-based understanding of your current risk exposure.

✦ Gap Analysis & Insights Report

Using the audit findings, we prepare a clear insights summary that highlights your coverage gaps, inefficiencies, duplicate protections, pricing issues, and risks that are not insured at all. You receive a simple explanation of where your portfolio stands today, what is working, what needs to change, and why. This report becomes the foundation for improving your insurance setup.

✦ Market Research & Comparison of Options

We contact multiple insurers to gather and compare the best available terms for your specific risks. This includes evaluating benefits, premiums, deductibles, exclusions, optional add-ons, claims efficiency, and overall value. We also consider your priorities, whether you prefer affordability, comprehensive protection, flexible coverage, or premium-grade insurers.

✦ Recommendations & Proposal Presentation

Your portfolio manager presents a tailored proposal outlining the exact changes we recommend, why they matter, and how they improve your protection or budget. You receive clearly laid-out options, side-by-side comparisons, and quotations from different insurers, along with a plan for restructuring or consolidating your policies. Everything is explained so you can make confident decisions.

✦ Placement of Cover & Documentation

Once you select your preferred options, we handle everything: arranging new policies, cancelling outdated ones, updating information, confirming details with insurers, and collecting all schedules and certificates. All documents are stored in your secure digital vault, and we ensure every policy is set up accurately for smooth future claims.

✦ Renewals, Adjustments & Additions

We proactively manage all renewal cycles by comparing market prices, negotiating terms, and presenting clear options before anything renews. During the year, we also handle adjustments such as adding vehicles, updating property valuations, changing limits, or modifying business cover. Your portfolio always reflects your current needs, not outdated information.

✦ Claims Assistance & Case Management

If an incident happens, you contact us first. We guide you on next steps, help you gather the right documents, submit claims on your behalf, follow up with the insurer, and keep you updated until settlement. Our goal is to reduce stress, shorten turnaround time, and ensure you receive what you are entitled to under your policy.

✦ Ongoing Monitoring & Annual Portfolio Review

We continuously track changes in your needs, insurer pricing, and product offerings. Each year, we conduct a full portfolio review — checking sums insured, assessing inflation impact, updating valuations, evaluating new risks, comparing the market again, and refining your setup. This ensures you stay protected, avoid overpayment, and always enjoy optimised coverage.

Let’s Understand Your Insurance Footprint

No Fees. No Obligation. No Pressure.

Our portfolio management service is free for you.

We earn a regulated commission from insurers only when we place or renew cover on your behalf. The assessment is simply to understand your needs — you’re not committing to anything.

Why We Ask for Your Premium Spend

We use your annual premium range to understand the size of your current insurance footprint. This helps us allocate the right portfolio manager, prepare properly for your review, and determine how to add the most value to your coverage — without wasting your time.

Your Information Is Safe & Confidential

We strictly protect all information submitted through this form. No data is shared with insurers until you approve a recommendation. Everything is handled in line with industry standards and the Insurance Regulatory Authority (IRA) guidelines.

    Need assistance?
    Call/WhatsApp: 0723 493 660