In spite of a sudden rise of "broker-free" insurance companies in South Africa, insurance brokerages still have a very solid place in the South African insurance market. Insurance brokers ensure that their clients are insured correctly to prevent losses in the event of a claim. For some people, the benefit of having an insurance broker is not sufficient to justify the extra cost attached to the monthly premium to compensate brokers' commissions. One of the major benefits of having a broker in South Africa is that they have intricate knowledge of the insurance industry and will be able to assist their clients in selecting appropriate cover. This approach can sometimes ensure that clients' are not over insuring, thus offsetting the cost associated with commissions payable. In addition, the relationship that is built with a personal broker can, for some, justify the extra monthly cost.