Personal
Before The Flatbed.
#PersonalInsurance #Claims This article was written by Tim Chadwick and published by News24 on 29 March 2026 This is a true story. It has been all over the media. Mr Pierre Coetsee suffered a misfortune, circa October 2025. His 2023 Defender incinerated itself. Comprehensively. His second misfortune, in the reported version, was his insurers response. The courts and…
Read MoreA Black Cat. Friday the 13th And A Motor Claim
#personalinsurance #motorclaim #highnetworth #businessinsurance This article was written by Tim Chadwick and published by News24 on 22 March 2026 Act One The bang, when it came, was exactly the sort that rearranges a Friday. And your weekend. I was on the M3, minding my business, on my way home from the salt mines on Friday afternoon.…
Read MoreYour Car is Smart. Your Thief is Smarter.
#PersonalInsurance This article was written by Tim Chadwick and published by News24 and IOL on 8 March 2026 Your Car is Smart. Your Thief is Smarter. My client Danie. I will not use his real name as he will recognise himself immediately. Anyway, Danie spent R14,000 on vehicle security last year. He has a Ghost immobiliser, a…
Read MoreThe Silent Debit Order Heist
#Personal #Business #Specialised This article was written by Tim Chadwick and published by News24 on 10 February 2026 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 MoreThe unexpected guest at the Koekemoer braai
This article was written by Tim Chadwick and published by News24 and Estate Living on 16 December 2025 Fine Wine, Rockslides and the Fine Print. #highnetworthinsurance When it comes to insurance, you get what you pay for — so make sure that the off-the-shelf solution does cover all your assets fully The aroma of…
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 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 MoreWhen Cranes Attack
Soon To Be Sorry Meet the fictional “soon to be sorry” Hennie van der Merwe, who is experiencing what the Germans call “Verschlimmbessern”, making something worse by trying to improve it. He has just signed away five years of his financial soul for a metallic blue BMW M3, complete with leather seats that whisper…
Read MoreWhat If…You Shatter A Priceless Chair On An Overseas Holiday?
Personal Liability, Be Careful Before Sitting On Priceless Chairs Picture this. You are standing in an Italian museum, smartphone in hand, hunting for that perfect Instagram shot. The kind that makes your colleagues back in Constantia think you have got culture. There is a crystal chair glittering under the gallery lights. Hundreds of…
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…
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