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Insurance law: an overview

While types of insurance vary widely, their primary goal is to apportion the risks of a loss from the individual to a great number of people. Each individual pays a “premium” into a pool, from which losses are paid out. The premium is not returnable, regardless of whether the particular individual suffers the loss or not. Thus, when a building burns down, the loss is spread to the people contributing to the pool. In general, insurance companies are the safe keepers of the premiums. Because of its importance in maintaining economic stability, the government and the courts use a heavy hand in ensuring these companies are regulated and fair to the consumer.

Featured Articles

  • 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 ...

  • 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 ...

  • 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 ...

  • 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, ...

  • 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 ...

  • 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 ...

  • 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 ...

  • 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 ...

  • 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 ...

  • 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 ...

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