How much is security per month in South Africa?

The cost of security services in South Africa can vary widely depending on various factors such as the type of security service required, the level of security needed, the location, the size of the property, and the specific security company chosen. It is important to note that the prices mentioned here are approximate and can vary significantly.

To give you a rough estimate, the monthly cost of security services in South Africa can range from a few thousand Rand to tens of thousands of Rand per month. Here are some examples of typical monthly costs for different security services:

  1. Alarm System Monitoring: The monthly cost for alarm system monitoring can range from around ZAR 200 to ZAR 600, depending on the type and complexity of the system, as well as the monitoring services included.
  2. Manned Guarding: The cost of hiring manned security guards for a property can range from ZAR 8,000 to ZAR 20,000 or more per guard per month. This can vary depending on factors such as the number of guards required, their qualifications and experience, and the level of risk involved.
  3. Security Patrols: The cost of security patrols, where security personnel periodically patrol a property or neighborhood, can range from ZAR 4,000 to ZAR 10,000 or more per month. The frequency and duration of the patrols, as well as the size of the area to be covered, can influence the cost.
  4. CCTV Surveillance: The monthly cost of CCTV surveillance can vary depending on factors such as the number of cameras installed, the level of video storage and remote monitoring services provided, and any additional maintenance or support included. Costs can range from a few hundred Rand to several thousand Rand per month.

These figures are meant to provide a general idea of the monthly costs for security services in South Africa. It is advisable to contact reputable security companies in South Africa and request customized quotes based on your specific security needs and requirements. They will be able to provide you with accurate and detailed pricing information based on the specifics of your situation.


Tax and Insurance in South Africa 2025

Tax and Insurance in South Africa: What You Need to Know in 2025

In South Africa, understanding the relationship between tax and insurance is essential for protecting your financial future and making the most of available tax benefits. Whether you're an individual, a freelancer, or a business owner, the smart use of insurance can help you reduce your tax liability and safeguard your assets.

Why Insurance Matters for Tax in South Africa

Insurance is more than just a safety net—it can also have a direct impact on your tax situation. From medical insurance to business insurance, certain premiums and policies may qualify for deductions or influence how you declare your income and expenses to SARS (the South African Revenue Service).

  • Tax Deductions: Certain insurance premiums, especially related to medical schemes and business cover, may offer tax advantages.
  • Asset Protection: Insurance helps manage risk, ensuring you’re financially secure when unexpected events occur.
  • Estate Planning: Life insurance can play a key role in reducing estate duty and ensuring a smooth transfer of wealth.

Types of Insurance and Their Tax Implications

1. Medical Insurance (Medical Schemes)

If you're contributing to a registered medical aid, you're entitled to a Medical Scheme Fees Tax Credit (MTC). This credit is a fixed amount per month for you and your dependents and reduces your overall tax liability.

2. Life Insurance

While life insurance pay-outs (on death) are generally not subject to income tax, they can be considered when calculating estate duty. Policies structured under a trust or with specific beneficiaries may help reduce the overall tax burden on your estate.

3. Short-Term Insurance (Vehicle, Home, Contents)

Personal short-term insurance is not tax-deductible for individuals. However, if you use part of your home or vehicle for business, the portion of insurance premiums related to business use may be claimed as a business expense.

4. Business Insurance

For companies and self-employed individuals, business insurance premiums—such as professional indemnity, commercial property cover, or key person insurance—are usually tax-deductible as operating expenses.

5. Disability and Income Protection Insurance

The tax treatment of disability insurance changed in recent years. Payouts from income protection insurance are now generally taxed as income, but premiums are not tax-deductible. Understanding this shift is important when planning your cover.

Tax Tips to Maximise Your Insurance Benefits

  • Keep Detailed Records: Always keep documentation of insurance premiums, especially those linked to business or medical expenses.
  • Consult a Tax Practitioner: SARS regulations around insurance and tax can be complex. A registered tax advisor can help ensure you claim all available deductions correctly.
  • Review Policies Annually: Update your insurance portfolio regularly to ensure your cover aligns with your income, expenses, and current tax laws.
  • Use Structuring Wisely: For high-net-worth individuals, structuring life insurance policies within a trust can reduce estate duty exposure.

Frequently Asked Questions: Tax and Insurance in South Africa

Q: Can I deduct life insurance premiums from my South African taxes?
A: No, life insurance premiums are generally not deductible. However, they may play a key role in estate planning.

Q: Are medical aid contributions tax-deductible?
A: Not exactly. Instead, you receive a Medical Tax Credit—a fixed monthly rebate that reduces your tax payable.

Q: Can I claim car insurance as a tax deduction?
A: Only if the vehicle is used for business purposes. You can claim the business-use portion of your vehicle insurance.

Q: Is business insurance tax-deductible in South Africa?
A: Yes. Business insurance premiums related to company operations are generally tax-deductible.

Final Thoughts

In South Africa, insurance isn't just about protection—it's a strategic tool for managing your tax liability, preserving wealth, and supporting long-term financial stability. Whether you’re reviewing your medical insurance, planning your estate, or choosing the right business insurance, it’s essential to understand how these choices affect your tax outcomes.

With the right advice and a well-structured insurance portfolio, you can reduce your tax bill while ensuring comprehensive protection for yourself, your family, or your business.