Referral Trail

Yes, you certainly can. Referral Trail is a platform for everyone to load referrals. Users must agree to the terms and conditions and load their bank account details to start loading referrals.

No, there is no minimum number of referrals that must be captured.

To earn a referral fee, your referral must pay 2 full monthly premiums to the product provider. If fewer than 40% of your referrals result in a quotation, you will be penalised 50% of your referral fee. This ensures Referral Trail provides high‑quality referrals to insurance companies.

The lead is not processed, and the customer is added to the Referral Trail “Do Not Contact” list. No referral fee can be earned.

The lead is sent to a product company so that a sale can be completed.

A non‑response is treated as permission to be called, based on your initial verbal consent. The lead is sent to a product company for processing.

No. Loading a lead without permission may result in opt‑outs or complaints to the Information Regulator for using personal information without consent.

Yes. This is why you must always obtain consent before loading a referral. The SMS confirmation process protects you if the customer forgets giving consent.

Referral Trail will negotiate with the company, but delays or non‑payment may affect your referral fee payout.

A 10% quote ratio is below the required 40%. You will receive a 50% penalty on your referral fee to ensure high‑quality referrals.

Referral Trail has no control over the financial affairs of companies you work for. You must address payment issues directly with them.

Yes. You can apply by emailing enquiry@referraltrail.com. If approved, you may register your own lead generators.

Yes, if you are a direct user or collaborator. If you work for a lead‑generating company, you must escalate queries internally.

Currently MiWay (car & business insurance) and Old Mutual Insure (personal & business insurance).

Personal short‑term insurance and business short‑term insurance.

Yes. Referral Trail is growing and will add more products and companies over time.

No. All users and companies contract with Referral Trail based on the platform’s terms of use.

You earn one month’s premium as a referral fee. There is no limit — whatever the client’s monthly premium is, that is your referral fee.

Payment depends on the product’s rules. Some require 1 month of premiums, others 2. Referral Trail pays you once the product provider pays them. Delays from the provider may delay your payout.

You can contact Referral Trail via the Contact Us page on the website.

FAQ's

Can I earn extra cash for loading referrals on a part‑time basis?

Is there a minimum number of referrals that must be captured?

What are the criteria to earn a referral fee, and are there any penalties?

What happens if a customer opts out on the SMS after a lead is loaded?

What happens if a customer opts in on the SMS after a lead is loaded?

What happens if a customer does not read or respond to the SMS?

Can I load a lead without the customer’s permission?

Can I be reported to the Information Regulator as a lead generator?

What happens if an insurance company does not pay the referral fee?

What if I load 100 leads and only 10 are quoted?

What can I do if I am not paid by the company I am affiliated with?

Can I register as a company and recruit my own lead generators?

Can I escalate referral fee queries to Referral Trail?

Who are the insurance companies that sell the referrals I load?

What products can I refer customers for?

Will Referral Trail have more products in the future?

Am I an employee of Referral Trail (Pty) Ltd?

What do I earn for every sale that pays premiums?

How often do I get paid?

Who do I speak to if I have other questions?