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Insurance guides for South Africans
Plain-language explanations of how short-term insurance actually works in this country, written by a licensed broker who settles these claims for a living. No sales pitch, no filler.
Load shedding, business interruption and your insurance
Why so many SA businesses discover too late that their policy does not respond to load shedding, and what actually does.
Read the guide GuideGeyser bursts, and why so many claims are declined
The single most common reason a household claim is declined in South Africa, and how to stay on the right side of it.
Read the guide GuideHijacking and what your car insurance actually covers
What comprehensive cover does and does not do when a vehicle is taken by force, and the conditions that decide the claim.
Read the guide GuideComprehensive or third party: an honest comparison
A straight cost-and-risk comparison, including when third party only is genuinely the rational choice.
Read the guide GuideHow to check a broker is really FSCA registered
How to verify in two minutes that the person advising you is licensed, and what to do if they are not.
Read the guideWhy we write these
Most insurance content online is either written to sell you something or written by somebody who has never lodged a claim. Both are easy to spot and neither helps you when a geyser bursts on a Sunday.
These guides cover the questions we are genuinely asked, answered the way we would answer them on the phone. If something here is unclear, or you want us to read your own policy schedule and tell you what it really says, that costs nothing. Get in touch.