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Buildings insurance is a non-negotiable condition of every South African home loan, but most bond applicants don’t realise they have more choice than their bank lets on. From what replacement value actually means to why underinsuring could leave you personally covering a shortfall of hundreds of thousands of rands, understanding the rules before you sign could save your kingdom a
No one ever plans for a car accident, but let’s be real: They can sneak up on you faster than an unexpected pothole on a Joburg highway. Whether it’s a little bumper bash or something more serious, accidents are stressful. Your brain goes into panic mode, and suddenly…
There are three types of motor insurance in South Africa: comprehensive, third party fire and theft, and third party only. Each covers different risks at different price points. This guide explains exactly what each type covers, what it excludes, and how to choose the right one for your car, your budget, and your circumstances.
A phrase that is lately often used in the short term insurance space is ‘no claim bonus.’ But what exactly does this mean? To help you understand it, let’s explain…. Let’s say you have a comprehensive car insurance policy with a short term insurance company… But in your first year you so happen to be one of the lucky ones
Vehicle insurance in South Africa is less optional than most drivers realise. With nearly two thirds of vehicles on our roads completely uninsured, a single accident, hijacking, or hailstorm can leave you facing repair bills of R30,000 or more, with no recourse. What many policyholders do not know is that the right cover does not have to cost more every
Drunk driving kills nearly 12 000 South Africans yearly and could void your car insurance. The real costs might surprise you.
Millions of South African households are either uninsured or dangerously underinsured when it comes to home contents, and most only find out when it is too late. A single burglary can wipe out R80,000 or more in possessions overnight. Understanding what home contents insurance actually covers, how underinsurance quietly erodes your protection, and what your belongings are truly worth could
Let’s be real: If you own a car, then car insurance isn’t just a ‘nice to have’… It’s a must-have! You could be the safest driver in Mzansi aka South Africa, but accidents, theft, and hijackings don’t check your risk profile before striking. Without a solid car…
We really, really hope that this never happens, but should any of your precious belongings get damaged or stolen out of your home, you should be able to provide us with proof of ownership when you claim for it against your home contents insurance policy. This is standard procedure when it comes to insurance policies and claim procedures for home
Building insurance covers far more than most property owners realise. Beyond protecting your home’s structure against fires and floods, it extends to fittings, fixtures, swimming pools, gate motors, underground pipes and even damage from falling trees or power surges. The gaps it fills can mean the difference between recovering quickly and paying off a bond on a home that no
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