Lumkani Fire Alarm

Fires destroy homes, belongings and businesses which leads to personal and financial insecurity. We provide protection against fires to informal homes, small homes, RDPs and small businesses

To protect your home, business and your family, our fire alarm warns you when a fire breaks out.

We have partnered with two insurance companies to provide you with insurance which is included in your monthly rental fee.

Our alarm automatically comes with Fire cover which is provided by Hollard Insurance.

You also have a choice to add Funeral cover which is provided by Stangen.

I want Protection

Protection for your Family, Business or Employees

Your family, your home and your life are your most valuable possessions - and you would do anything to protect them. Your business is your livelihood and allows you to live and thrive.

Alarm + Fire Cover

For only R60 per month, you get:

  • A Lumkani Fire Alarm that warns you when fire breaks out.
  • Cover for your home or business structure and all of your belongings/stock for up to R40,000 provided by Hollard.
There is no waiting period, you are protected immediately after your first payment. Foreign Nationals may apply. No documentation required to apply..

properties we protect:

  • Informal homes
  • Small homes and low-cost homes (RDPs)
  • Small businesses

Click here to apply

See what some of the beneficiaries under the Lumkani Fire Cover policy with Hollard said about their claims:

Siphumelele

"My entire house burnt down. The Lumkani policy paid out in full"

Christina

"My home was partially burnt after I forgot the candle burning. Lumkani was a great assistance to me"

William

"My belongings were damaged by a neighbouring fire. The Lumkani fire policy speedily paid out my claim"

The Lumkani Fire Cover policy is underwritten by The Hollard Insurance Co. Ltd (Reg. No. 1952/003004/06), an authorised Financial Services Provider.

Funeral & Fire Cover

For R150 per month, you get:

  • A Lumkani Fire Alarm that warns you when fire breaks out.
  • Fire Cover for your home or business structure and all of your belongings/stock for up to R40,000 as provided by Hollard Insurance.
  • Family Funeral Cover for you, your spouse and up to five of your children as provided by Stangen.

Lumkani Funeral Cover pay-out:

Age Cover Amount
Main Member 18 + R20 000
Spouse 18 + R20 000
Child 14 - 21 R20 000
Child 6 - 13 R10 000
Child 1- 5 R5 000
Child Younger than 1 or stillborn R2 500

Benefits of Lumkani Funeral Cover:

  • FAST and SIMPLE claims
  • NO waiting period for accidental death
  • 4-month waiting period for natural death
  • NO medical tests
  • Foreign Nationals may apply
  • No documentation required to apply

Properties we protect:

  • Informal homes
  • Small homes and low-cost homes (RDPs)
  • Small businesses

Click here to apply
Terms and Conditions Apply.
The Lumkani Fire Cover policy is underwritten by The Hollard Insurance Co. Ltd (Reg. No. 1952/003004/06), an authorised Financial Services Provider.
The Lumkani Funeral Policy is underwritten by The Standard General Insurance Company Limited “Stangen” an authorised long-term insurer licensed in terms of the Long-term Insurance Act, 1998. Reg. No. 1948/029011/06 (Authorised FSP: No. 47235)
Lumkani is an authorised financial services provider (FSP 50312).

Click here for Fire Cover T+Cs

Click here for Fire and Funeral Cover T+Cs

Isivikelo Alarm & Cover

Two affordable cover options to protect your Home or Business

  • Pay R300 once-off and a LUMKANI agent will install the alarm.
  • Pay R50 alarm ownership fee for first 6 months Only
  • The alarm rings when someone breaks into your home or business
  • The alarm comes with a panic button
  • The alarm will SMS you AND your emergency contacts of any danger
  • The alarm will SMS you when there is load shedding or a power failure at your home or business
GOLD DIAMOND
For only R149 per month you get: For only R189 per month you get:
ISIVIKELO ALARM ISIVIKELO ALARM
Cover of up to R50 000 for FIRE, NATURE and WATER Cover of up to R100 000 for FIRE NATURE and WATER
Cover of up to R10 000 for THEFT Cover of up to R30 000 for THEFT
Cover of up to R5 000 for POWER SURGE Cover of up to R10 000 for POWER SURGE
R300 CASH BACK after 24 monthly payments R500 CASH BACK after 24 monthly payments

What we cover:

  • Theft (excluding theft by employees and people who live with you)
  • Fire, lightning or an explosion
  • Bad weather such as a storms, rain, hail, wind, snow or flood
  • Water damage from a burst or leaking geyser, tank, pipe or gutter (geysers are not covered)
  • Electrical power surge which damages electrical and electronic equipment
  • Protest action, strikes or riots that leads to damage or looting of your contents (covered by Sasria)


What we do not cover:

  • Your physical structure is not covered, only your contents
  • Fixtures and fittings are not covered (for example built-in cupboards)
  • We do not cover theft of stock for your business, cell phones, tablets, laptops and contents kept outside (but we do cover all of these items for fire, flood, rain etc.)
  • Water damage from a burst or leaking geyser, tank, pipe or gutter (geysers are not covered)
  • You are not covered for accidental or intentional damage to your contents
  • Foreign nationals may apply
  • No documentation required to apply
  • Terms and conditions apply

Click here to apply

About Us

Lumkani is a technology company which distributes insurance products to financially excluded households and businesses in townships and informal settlements. We use our award-winning fire detectors to mitigate the risk of fires and a world-first insurance product to cover losses when disasters occur.

We have distributed tens of thousands of fire alarms to homes across South Africa which have drastically lowered the instances of fires in our communities, ensuring that those who are most vulnerable have a sense of security. Tens of millions of Rands of possible fire damage have been saved through our early-warning fire detectors.

Lumkani implements large-scale roll-outs of our fire detection system in order to create the social impact at the core of our mission. For more information on this click here.

Before Lumkani introduced Fire Cover in 2016, there was little hope for households and businesses that had been excluded from insurance cover, to quickly rebuild, refurnish and return to a state of dignity.

Lumkani seeks to promote business and social practices that respect people, ensure sustainability and create value.

Lumkani is an authorised financial services provider.

Protecting Communities: Lumkani Fire Alarm

As part of Lumkani’s mission to mitigate the loss of life and property caused by fires in South Africa and across the globe, we implement large scale roll-outs of our fire detection system into urban informal settlements and townships.

For more information on our system and its past success, please see our company profile.
Contact us here for more information on funding these projects.

Many cooking, lighting and heating methods used by people living in informal settlements produce smoke. For this reason Lumkani detectors use rate-of-rise of temperature technology to accurately measure the incidence of dangerous fires and limit the occurrence of false alarms.

Density is a challenge all urban informal settlements share and is a major risk factor that enables the rapid spread of fires. In order to provide sufficient early-warning, a communal alert is required. Our detectors are networked within a 60-metre radius so that in the event of a fire all detectors in this range will ring together, enabling a community-wide response to the danger. This buys time for communities to become proactive in rapidly spreading fire situations.

We have developed smart centralised gateways, which gather information about the detector mesh network. These gateways constantly check the health of the system and in the event of fire, send text-message warnings to members of the affected community, as well as storing critical information about the exact location of the fire.

All of the above data is viewable on Lumkani’s WatchTower platform - used for monitoring our early warning systems around the world.

Through our early-warning systems in many of the highest fire-risk urban informal settlements and townships in South Africa and Bangladesh, we have seen first-hand the impact that this simple intervention has in preventing devastation in the most vulnerable communities on the planet.

Contact Us

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