Hamford is licensed with the Financial Services Board as a Financial Service Provider under license 12194 Club Hamford was established to reward Hamford Policyholders with discounts on their insurance when referring new clients to Hamford The monthly premium of a Club Hamford Member is reduced by up to 10% for each new client the Member refers and who secures a Hamford client As we believe that service is our only edge in the South African Insurance market, all staff members are highly motivated and work together as an efficient team