Personal
Travel Insurance Tips
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 lie. Pre-existing…
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…
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 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…
Read MoreLithium Fire: Your Firefighting Equipment Will Likely Fail
Lithium-ion batteries have become a cornerstone of modern energy storage, powering everything from solar systems and electric vehicles to home backup solutions and business operations. In South Africa, the widespread adoption of these batteries has been fueled by the need for reliable power during load shedding. Businesses use them to ensure uninterrupted operations and reduced…
Read MoreBefore You Buy – Vehicle Theft Risk Advisory
Vehicle theft and hijacking remain significant concerns, with certain models still being targeted by criminals. This advisory aims to serve as a risk update and to provide crucial information on high risk vehicles, safety measures and insurance implications. High-Risk Vehicle Models Based on insurers’ loss data over a sustained period, several vehicles are frequently targeted…
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