Quinary

The pioneer in credit insurance Gap and Top-up cover in South Africa, Quinary was started by the same minds behind Cinque, one of the country’s leading credit insurance providers. After recognising that most credit insurers only cover a portion of their clients’ insurance risk, Quinary set out to change all that. Our products We’re committed to empowering your business with services that protect against unexpected losses, tailored specifically to meet your needs. We do this through two credit risk insurance products, designed to be added on to existing credit risk insurance policies: Credit CAP Cover Our Credit GAP Cover enhances your coverage to an effective 95%, addressing deficiencies in traditional policies which typically cover only 70-80% of potential losses. It’s ideal if your business trades with small profit margins and takes a conservative view on protecting capital, or if you use a debtor funding facility. Top-Up Cover Our Top-up Cover extends your credit limit, facilitating business expansion without the financial constraints. It’s ideal if you want to protect your business’s capital base against financial loss due to bad debt, and your primary credit insurance policy doesn’t provide sufficient limits versus the limits you need to fully cover your debtor’s book. Why choose Quinary's solutions? Peace of Mind: Our bespoke solutions are crafted to ensure your business remains resilient through challenging periods of bad debt and late payments. Simplified Process: Our dedicated team will guide you through a straightforward sign-up process, allowing you to quickly benefit from these critical protections. Pioneers in South Africa: We’re the country’s first gap and top-up cover provider for trade credit insurance, and are backed by Old Mutual Insure Founded 2023.