Insights
The Silent Debit Order Heist
#Personal #Business #Specialised This article was written by Tim Chadwick and published by News24 on 26 November 2025 It starts, as these things invariably do, on a perfectly innocuous Tuesday. The coffee is hot, the cat is judging me from the sofa and the world seems, temporarily, at least, to be behaving itself. Then, you make the…
Read MoreSouth Africa’s next big scam: APP fraud
#PersonalCyber #BusinessCyber #RiskManagement This article was written by Tim Chadwick and published by Currency News on 26 November 2025 Real-time payments have supercharged South Africa’s fraud risk – and most businesses don’t have the proper internal procedures to protect themselves. Here’s how. We made payments fast. Fraudsters said thank you. South Africa is racing…
Read MoreThe Inconvenient Truth of the Flying Laptop
#TravelPersonal #TravelSpecialised This article was written by Tim Chadwick and published by News24 on 30 November 2025 You may have missed this recent contribution to the annals of aviation absurdity. On 15 October 2025, a United Boeing 767 departed Washington Dulles for Italy. It was, by all accounts, a normal flight until roughly an hour in,…
Read MoreThe Maersk Route closure isn’t the core issue. Insurance gaps might be.
#MarineCargo #GoodsInTransit This article was written by Tim Chadwick and published by Money Marketing on 29 October 2025 If the Maersk AMEX route closure on 01 October has caught you off guard, it is worth pausing to reflect on the broader logistics risk landscape. The immediate challenges of longer transit times and higher freight costs are…
Read MoreTunnel Vision. Who Pays When The Road Is Closed?
#RiskManagement #GoodsInTransit #SupplyChain This article was written by Tim Chadwick and published by News24 on 27 October 2025 Earlier this month a bus caught fire inside Africa’s longest road tunnel, the Huguenot Tunnel. The flames were sorted out “chop chop”. The traffic, not so much. Like a braai without firelighters, everything smoked for…
Read MoreAre you on insurance autopilot?
#SilentDebit #PersonalInsurance #BusinessInsurance Treat your business insurance renewal, like you treat an audit Most businesses review the premium and move on. But renewal is the time to check whether your cover still matches your risk and whether you are getting value for money. Avoid insurance autopilot. Would you get on a plane…
Read MoreTravel Insurance Tips
#TravelPersonal Travel is meant to be enjoyed, not derailed by fine print or unexpected costs. A little preparation with your travel insurance can be the difference between a minor hiccup and a holiday nightmare. Read the Fine Print Travel insurance policies look similar at first glance, but exclusions are where the biggest risks…
Read MoreMarine Cargo Insurance: Truths and Myths
#MarineCargo #SpecialisedInsurance Marine cargo insurance is not a formality. It is a technical contract that decides whether you recover millions after a loss, or nothing at all. Yet many businesses in SA who depend on international asset transit misunderstand what is covered, when cover stops and why claims fail. Here are some of the…
Read MoreTop 5 Risks Every South African Franchise Must Tackle
#FranchiseInsurance #SpecialisedInsurance Strong brands do not usually fail on headline risks. They often fail on the risk basics. The five risks below highlight how a franchise system protects its cash flow and its reputation when pressure comes. For each risk you will see the business impact, what insurance can and cannot do and the…
Read MoreOne Product Three Unexpected Claims
“Hair-Story” The National Consumer Commission (NCC) released an official alert in June 2024, advising consumers to stop using the affected 50 ml neutralizing shampoo sachets from Dark and Lovely Moisture Plus and Anti‑Breakage kits and return them for a full refund. According to sources they were not dangerous for most users, but could cause scalp infections…
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