Personal
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 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…
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…
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