Insights
Insurance Gaps Can Be Your Biggest Threat
In the early hours of 9 June 2025, a cold front collided with warm coastal air over the Eastern Cape and turned a routine winter storm into a disaster. Snow fell in the highlands while torrential sheets of rain hammered Mthatha and surrounding districts, swelling rivers faster than storm water drains could empty them. Within…
Read MoreR2m Lost to Phishing Email—Insured or Uninsured?
One click triggered a national system shutdown, exposing a major revenue loss and raising urgent questions about cyber cover and risk structure. Real Event In January 2025, the South African Weather Service suffered a serious breach after staff responded to a phishing email. The message triggered a wider cyberattack that encrypted SAWS systems…
Read MoreWhy Do Innocent Drivers Still Pay?
Third Party Motor Claims : Fair Payouts Often Need a Fight Being involved in a car accident when you don’t have comprehensive motor insurance can be devastating enough. However, many South African motorists are completely unprepared for the harsh reality of third party insurance claims and the principle of “blame apportionment” that can leave them…
Read MoreHow To Avoid A R423m Unpaid Claim
Lewis Group’s R423 million Business Interruption claim has hit a costly procedural wall. The High Court ruled on the 20 May 2025 that the dispute must be resolved through arbitration, not litigation, as set out in the policy wording. This effectively put the court case on hold. While the insurers had already admitted liability…
Read MoreWhen the Guest Steals the Keys And Everything Else
In South Africa’s growing short term rental market, many property owners are discovering that letting out their property comes with hard lessons. The Davidson case, recently reported on in News24, is one of those lessons—costly, painful and entirely avoidable with the right insurance and risk structure. The Davidson Disaster: A Flat Stripped, A Dream…
Read MorePrivate Clients Should Have Exclusive Personal Insurance Cover
When your combined personal property value exceeds R4 million, a Standard Insurance policy may leave significant gaps in your insurance protection. Understanding the distinction between cover types is essential for safeguarding your valuable assets. All Risks vs Insured Events Standard insurance policies typically operate on an “Insured Events” or “Insured Perils” basis, covering only…
Read MoreWhen ‘All Risks Insurance’ Fails: Lessons from a R800k Jewellery Theft
In a case just reported on News24, around R800,000 worth of jewellery was stolen from an overhead compartment during an international flight, revealing critical insights into personal responsibility, risk management and the nuanced world of insurance cover. The Incident During a 2022 international flight, a South African woman made a fateful decision that would…
Read MoreCar Wash Incident: How a Simple Car Wash Cost R1.3 Million
The recent case of Caroline Woodley highlights the critical importance of understanding your insurance policy, particularly when leaving your vehicle or any other valuable asset, in the custody of service providers. Whether for cleaning, repairs or storage, there are risks involved that policyholders must be aware of to avoid devastating financial consequences. Caroline…
Read MoreSupply Chain Vulnerabilities: What South African Businesses Need to Know for 2025
South African companies face an increasingly challenging business environment when it comes to supply chains. Critical infrastructure is frequently cited as South Africa’s top business risk and for good reason. The threats are both unique to our local context and part of global trends. Load shedding interrupts production and compromises temperature sensitive goods. Port congestion…
Read MoreThe Hidden Cost of “Quick and Easy” Insurance
In today’s fast paced AI world, we are bombarded with insurance advertisements promising quotes in under a minute or two, guaranteed claim payouts, littered with small fine print and those “subject to” asterisks. They also promise premium savings that seem too good to be true. Because often, they are. Some insurers in South Africa…
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