Two Mountains Funeral Cover

Two Mountains is a burial services and funeral cover group. Its plans are service plans. Each one gives you a funeral service with a casket, a hearse and other items, and the value of that service is what the plan is priced by. The higher plans add family cars, decor and more.

The plan pages state that the service value is for policyholders only, so ask how family members are covered before you sign. The Tribute plan is exclusively for SASSA clients.

Two Mountains says that if circumstances require it, it will pay a cash amount equal to your cover instead of the service. Ask how to request this, because you may not want to use Two Mountains for the funeral. Two Mountains has been part of the Old Mutual group since 2023. Policies are issued by Two Mountains Underwriters.

• Two Mountains offers five burial funeral plans (Tribute, African Pride, Copper, Silver, Gold) with service values of R15,000 to R50,000 and premiums from R99pm to R275pm. (twomountains.co.za)
• Two Mountains became part of the Old Mutual group in 2023, after the Competition Tribunal approved the acquisition subject to conditions. (twomountains.co.za)
• Customer care hours are 08h00 to 17h00 weekdays and 08h00 to 13h00 Saturdays; pick-up and repatriation services run 24/7. (twomountains.co.za)
• Missing two consecutive premiums makes the policy lapse and Two Mountains will not honour claims; missing one premium leaves cover active but in arrears. (twomountains.co.za)
• Premiums can be paid by debit order, government stop order (PERSAL), SASSA grant deduction, Pay@ (Shoprite, Checkers, Pick n Pay, Boxer, Pep, spaza shops with Flash) or card at branches; no minimum income is required. (twomountains.co.za)
• Immediate accidental death cover begins once the first premium is paid; cover increases carry a six-month waiting period on the additional amount. (twomountains.co.za)
• Two Mountains runs over 90 locations across Limpopo, Mpumalanga, Gauteng, KwaZulu-Natal and the Eastern Cape, with 200+ vehicles and 500+ staff on the homepage. (twomountains.co.za)
• Two Mountains says it will pay a cash payout equal to your cover if circumstances require it, so the service benefit is not the only option. (twomountains.co.za)

Plans as Two Mountains describes them on its own website on 30 September 2026. Premiums depend on your age, the cover amount and who you add, so the published figures are examples, not quotes.

Extra benefits Two Mountains lists:

• Tribute Plan: Quarter View Kiaat casket; collection, Dr's fees, storage and admin; free repatriation up to 600km within SA; hearse; 100 black and white prints; granite grave identifier; 24 bottled juice and 24 bottled water.
• African Pride Plan: Quarter View Kiaat casket, hearse plus a family car, R100 airtime, R2,000 grocery voucher, coffin spray, tent 5m x 10m with 100 chairs, free repatriation up to 600km within SA.
• Copper Plan: SA Flat Lid Cherry casket, hearse and two family cars, R100 airtime, R3000 grocery voucher.
• Silver Plan: Princeton Dome Cherry casket, hearse and two family cars, elegant service decor.
• Gold Plan: High-end SA Dome Cherry casket, hearse and three family cars, decor, red carpets, floral displays.

Sources: twomountains.co.za/burial-services.

Checked on 30 September 2026 against Two Mountains's official website. Numbers change, so confirm on the linked page before you call. Two Mountains will never ask you to pay a claim fee or send money to a new bank account; if a caller does, hang up and phone the official number.

Sources: twomountains.co.za/faqs, twomountains.co.za/contact-us.

Immediate accidental death cover begins once the first premium is paid. Cover increases carry a six month waiting period on the additional amount.

Two Mountains does not publish the waiting period for natural death on the pages we checked, and it does not publish entry ages or family size limits. Ask Two Mountains for these in writing before you buy. South African rules cap a funeral waiting period at six months and do not allow one for accidental death. Our page on funeral cover with no waiting period explains more.

You can pay by debit order, government stop order, SASSA grant deduction or card at branches. You can also pay at Pay@ points in Shoprite, Checkers, Pick n Pay, Boxer, Pep and spaza shops with Flash. Two Mountains says no minimum income is required.

Missing one premium leaves cover active but in arrears. Missing two premiums in a row makes the policy lapse, and Two Mountains will not honour claims on a lapsed policy. If money is tight, call before you miss a second payment.

You can claim at a branch, on 0800 668 539, on WhatsApp on 082 385 2820, or by email to [email protected]. Customer care hours are 08h00 to 17h00 on weekdays and 08h00 to 13h00 on Saturdays. Pick-up and repatriation services run 24 hours a day.

Two Mountains asks for these documents:

• a certified copy of the death certificate
• a copy of the deceased's ID
• the claimant's ID
• a fully completed claim form
• the claimant's banking details
• all copies of the DHA or BI-1663 form from Home Affairs

Two Mountains may ask for more, depending on the claim. It does not publish a payout time, so ask how long it will take. The rules say an insurer must decide a funeral claim within 2 business days of receiving all documents.

Ask for the reason in writing. The usual causes are a lapsed policy, a claim inside a waiting period or missing documents. An insurer may not refuse a funeral claim because you did not disclose something it never asked about.

If you are still unhappy, complain to the National Financial Ombud on 0860 800 900 or at nfosa.co.za. It is free, and complaints can be dismissed after three years. See our guide to funeral cover scams and your rights.

Two Mountains suits a family that wants the funeral service arranged and paid for by one company, and that is happy to use Two Mountains for the burial. The Tribute plan is aimed at SASSA clients on a tight budget.

It is a poorer fit if you want to choose your own undertaker, so compare a cash policy such as AVBOB or Icebolethu. See how funeral cover payouts work for the difference.