Can We Repay The Debt?

One frequently reads English judgments on insurance law where Canadian, Australian and New Zealand cases are referred to. It seems clear that in the apartheid years the English courts lost the habit of looking to South African decisions for comparative reasoning. We can repay some of the debt owed to English law and that English… Continue Reading

Bodies Corporate: Insurance Excess

Obtaining proper insurance cover is one of the most essential duties placed on trustees of bodies corporate and great care should be taken in performing this duty. Bodies Corporate: Insurance Excess Payments Obtaining proper insurance cover is one of the most essential duties placed on trustees of bodies corporate and great care should be taken… Continue Reading

Insurance claims

How to claim the benefits of your insurance policy Source: You and Your Rights Contact your insurer (preferably through your broker or agent) as soon as it is necessary to claim against an insurance policy. Your insurer will arrange for the damage that you have incurred to be inspected as soon as possible. Try not… Continue Reading

Insuring your business

Taking the risk out of running a business Source: You and Your Rights> All businesses – from the biggest to the smallest – run the risk of incurring unforeseen losses. For instance, a grocer may lose stock in a flood, a factory may be destroyed by fire or a tailor may lose materials in a… Continue Reading

No claim if you are to blame, says ombudsman

The latest report by the ombudsman for short-term insurance highlights the importance of reading your insurance policy document and complying with the terms of the policy. No claim if you are to blame, says ombudsman… The latest report by the ombudsman for short-term insurance highlights the importance of reading your insurance policy document and complying… Continue Reading

Protect your home and all that is in it

If you own a home, you need both homeowner’s insurance and household insurance. Your home is most probably the most valuable asset that you own, so it is important to have insurance cover on the property should it be damaged or even destroyed by events such as a fire or a storm. Cover for these… Continue Reading

Getting people to face up to financial reality

One of the most common mistakes people make with their finances is waiting too long before they start investing for their old age. And the financial services industry should be doing more to ensure that individuals are saving enough for their later years. Getting people to face up to financial reality   The Star’s Personal… Continue Reading

Clause for concern in your policy

In terms of the law, your financial advisor or broker must call your attention to the clauses in your life policy that allow an assurance company to reject your claim. By Bruce Cameron The Saturday Star, July 10, 2004 In terms of the law, your financial advisor or broker must call your attention to the… Continue Reading

Life assurance

Paying to protect yourself against possible risks Life assurance is one of the few ways by which you can invest money in relatively small amounts to protect yourself against the three main perils of life – dying too soon, disability or living too long. With many policies specifically geared to counteract inflation, assurance is one… Continue Reading

Motor insurance

Guarding against accident claims Source: You and Your Rights> Although regrettable, motor accidents are commonplace since all drivers – loath as they might be to admit it – at some time or another exercise less care on the road than they should. In many cases, careless drivers have to pay large sums of money for… Continue Reading

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