Shidoa publishes starting rates so you can budget before a personalized quote. Final premiums depend on coverage limits, deductibles, location, and claims history.
Our pricing philosophy rejects hidden fees at checkout. Administrative charges for instalment plans, policy endorsements, and certificate reissues appear in the schedule before you bind. Discounts stack only when actuarially supported—bundling home and motor lines, completing approved safety courses, or maintaining claims-free periods documented in your file.
$48/month
Starter bundle for renters and first-time motor owners. Includes contents coverage up to modest limits, third-party motor liability, and access to digital policy tools.
$96/month
Our most selected package for families combining home, comprehensive motor, and basic health outpatient benefits with shared document vault access.
$160/month
Expanded limits for established households needing life income protection, higher contents schedules, and travel medical extensions.
$72/month
General liability and contents protection for home-based and micro retail operations with limited foot traffic.
$145/month
Property, liability, and business interruption for single-location shops with up to ten staff members.
$280/month
Multi-location scheduling, fleet motor, cyber response retainer, and dedicated account management starting point.
Premiums reflect measurable risk factors rather than opaque algorithms. Property rates consider construction type, fire protection proximity, and optional security systems verified by documentation. Motor rates weigh vehicle age, usage patterns, and driver records with clear point schedules published online. Health modules adjust for age bands, selected deductibles, and optional wellness participation.
Deductible choices trade monthly premium for out-of-pocket responsibility at claim time. Higher deductibles suit clients with emergency savings; lower deductibles benefit those prioritizing predictable incident costs. Advisers model scenarios at multiple deductible levels so you see the trade-off before committing.
Renewal pricing includes a comparison summary explaining any changes—regional loss trends, coverage adjustments you requested, or discount expirations. You may re-shop internally across Shidoa tiers without reapplying from scratch when your risk profile remains stable.
Contact us for a personalized quote tailored to your assets, operations, and preferred payment schedule. Published starting rates provide orientation; your final premium reflects the specifics only a structured review can capture accurately.
Many clients enhance base packages with riders priced individually at bind time. Personal accident cover for frequent travelers typically adds $12 to $18 monthly depending on benefit limits. Equipment breakdown protection for home offices adds $9 to $14 monthly for standard electronics schedules. Commercial cyber response retainers start at $35 monthly for micro-enterprises with basic monitoring and breach notification support.
Riders observe their own waiting periods and exclusions listed in endorsement schedules. Advisers model total cost of ownership—including base premium, selected riders, instalment fees, and chosen deductibles—so you understand monthly outlay before authorizing payment. Removing riders mid-term is permitted when policies allow, with premium adjustments calculated pro rata according to policy conditions.
