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    Yearly Archives: 2011

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    30Dec, 2011
    Why would a person need insurance?

    The aim of INSURANCE is to assist one in recovering from accidental losses, by means of risk management.

    A client pays a premium so that the insurers can help carry their risk. Each policy stipulates the conditions under which the insurer will carry the risk and also for what premium. It also sets out exactly what will be covered and what exceptions will not be covered. The policy schedule is a very important document and represents the contract you have with the insurer.

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    As brokers we guide our clients to understand the cover they enjoy and help them choose and obtain insurance that is appropriate for their need.

    25Oct, 2011
    Locking your vehicle

    Modern remote devices can interfere with your vehicle immobiliser.

    [vc_icon icon_fontawesome=”fa fa-comment” background_style=”boxed rounded rounded-less” size=”lg” background_color=”custom” custom_background_color=”#ffd500″ align=”left”]If some-one else presses a remote while you are locking your car, it might leave your vehicle unlocked. Double check that your vehicle is locked by testing the doors after pressing the immobiliser button.     

    25Oct, 2011
    South African Road Traffic regulation

    Compulsory Emergency Triangles (in terms of Regulation 214 (2) (a) of the National Road Traffic Act.)

    While you are preparing your vehicle for the long trips during festive season, take time to check that you still have the compulsory emergency triangle. The only vehicles excluded from this regulation are ambulances, cars registered before July 1, 2006, motorcycles, motor tricycles and motor quad cycles.  Goods vehicles, minibuses and buses registered before July 1, 2007 are all required to have at least one emergency triangle sign.

    [vc_icon icon_fontawesome=”fa fa-comment” background_style=”boxed rounded rounded-less” size=”lg” background_color=”custom” custom_background_color=”#ffd500″ align=”left”]Apart from avoiding a hefty fine, it is a great tool to use if you have a breakdown on a busy road.

    25Oct, 2011
    Letting out your property

    The  Personal House contents policy covers your own property while you take care of it yourself.  If you have a furnished flat that is sublet, the contents of that flat should be covered by a commercial policy as it will not fall under Personal insurance. Likewise for vehicles hired out.

    25Oct, 2011
    Marine equipment

    Equipment and tools that is fixed to or normally fixed to a boat can be covered by the Marine policy. It does not fall under House contents just because you keep it there. (example: Engine)