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Residential · ZD Rewards™

ZD Rewards™

Behavioural Risk Engineering. An incentive layer that rewards good tenant behaviour. End-of-lease arrears drop, and claims drop with them. LeaseSurance funds the rewards, not the landlord.

How It Works

Smarter Than Pure Insurance

Insurance pays out after a loss. ZD Rewards™ rewards the tenant behaviour that stops the loss happening in the first place.

On-Time Payments

Tenants who pay on time earn rewards

Property Care

Well-maintained units earn additional rewards

Sustainable Premiums

Lower claim severity keeps premiums stable

What Makes ZD Rewards™ Different

  • Behavioural incentive layer unique to LeaseSurance
  • Rewards paid on clean accounts, funded by LeaseSurance rather than the landlord
  • Reduces end-of-lease arrears measurably
  • Better behaviour leads to lower claims, and lower claims keep premiums stable
  • No competitor in the South African market offers this layer

Behavioural Risk Engineering

Smarter than pure insurance.
Reward the behaviour before it becomes a claim.

The Core Incentive

Closing the Leverage Gap at Move-Out

Landlords lose their strongest leverage the moment a tenant decides to leave. ZD Rewards™ links the bulk of the accumulated rewards to settling the final account, so the tenant has money riding on leaving cleanly.

How It Works

Throughout the tenancy, tenants accumulate rewards for on-time payments and property care. When the lease ends, the bulk of those rewards are linked to settling the final account in full: any outstanding rent, damages or cleaning costs.

That gives the tenant a financial reason to cooperate at move-out instead of walking away from the obligation. It is a carrot where the landlord traditionally had no leverage.

The Impact

  • Tenants have a financial reason to settle their final account in full
  • End-of-lease arrears are reduced measurably, so there are fewer disputes and fewer write-offs
  • Claim severity drops because tenants are incentivised to leave the property in good condition
  • Lower claims mean sustainable premiums for the portfolio over time
  • LeaseSurance funds all rewards. The landlord pays nothing

Rewards Delivered via Mobile App

Tenants track and redeem their ZD Rewards™ in a dedicated mobile app. The tenant-facing side of the programme runs at zdrewards.co.za.

  • Available on Google Play (Android) and the Apple App Store (iOS)
  • Tenants can track their reward balance in real time throughout the tenancy
  • Final account settlement and reward redemption are handled directly through the app
  • Push notifications remind tenants of reward milestones and upcoming opportunities
  • Secure, POPIA-compliant data handling for all tenant interactions

Mobile First

Google Play & App Store.
Track rewards. Settle accounts.

Longer Stays, Greater Rewards

Tenure pays. The longer a tenant stays in good standing, the higher their reward level grows, and both sides gain from that.

  • Reward levels escalate with tenure, so a longer stay reaches a higher tier
  • Consistent on-time payment history accelerates reward accumulation
  • Property care bonuses are assessed at renewal and contribute to the total reward pool
  • For landlords, longer tenancies mean lower vacancy, lower turnover costs, and more predictable income

Tenure-Based Growth

Year 1 → Year 2 → Year 3+
Rewards grow with good behaviour.

Add an Incentive Layer to Your Portfolio

Learn how ZD Rewards™ can reduce arrears and improve tenant behaviour across your leases.

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