Total Risk Administrators

About TRA

Total Risk administrators (PTY) Ltd (TRA) is an authorised financial services provider – FSP No 40815.

  • We have been in operation since 1999.
  • We offer a range of products designed to provide insurance solutions.
  • We are underwritten by Auto & General and Guardrisk, and have licenses in both short-term and long-term categories.
Staff standing on stairs | About TRA | partner
Open hands with "Don't stress! The gap is covered." written over the hands | Product offering | partner

Product offering

  • A unique product offering:
  • Comprehensive GAP COVER RANGE from entry level to flagship.
  • Competitive PREMIUMS.
  • Up to 700% Gap Cover.
  • No GENERAL 3 month waiting period on Gap Cover products.
  • UNIQUE Add Ons
Compare Gap Cover


  • Providing a STRESS FREE!! Policyholder experience through:
  • Treating Customers Fairly (TCF)
  • Providing products which are beneficial, relevant, fair and cost-efficient.
  • Offering customer service which is fast, efficient and market leading.
  • Clear and detailed communication to all our Stakeholder
Person holding dart aimed at target | Goals | Proud partner of
Person holding cellphone as they look at the TRA Assist Mobile App | Unique benefits |

Unique benefits

TRA Assist Mobile App – ALL our policyholders have access to:

  • 6 FREE Uber™ trips per annum via Home Drive
  • Emergency assistance via the “Panic Button”
  • Medical Health line