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Category Archives: Short Term Insurance
Shortterm Insurance – Principle of Average Explained
AVERAGE OLD CONCEPT Average is an insurance concept as old as the industry. And insurance dates back to the time when people travelled through the desert on camels. Average is possibly one of the most important insurance concepts you have … Continue reading
Posted in Protect Wealth, Short Term Insurance
Tagged Average, Insurance Premiums, Underinsurance
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How do I Read my Policy Wording?
“Do you have any tips that can help me read my policy wording and understanding it better?” is another question I received. Remember you can send me your short term related questions and I will try to answer them. A … Continue reading
When Do I Claim Too Often?
I invited you to send me your questions (please keep on sending them) and received this question: When will the insurer say I claim too often? A Relevant Question This may seem like a strange question, but it is a … Continue reading
Posted in Short Term Insurance
Tagged Short Term Insurance, Short Term Insurance Claims
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Why do Insurance Premiums Differ?
The question is: “Why can another insurer just reduce my premium by R1 300 from what I am currently paying?” In the full context it is a drop from about R5 000 tot R3 700. It is about a 25% … Continue reading
What About My Sectional Title Flat and Insurance?
Eric asked about his sectional title flat. Specifically he wants to know about the geyser and built-in cupboards. Body Corporate Represents Owners Eric correctly states that the tenant is responsible to insure his/her own assets (content). The Body Corporate has … Continue reading
Swimming Pool Pumps and Insurance
How does my insurance cover swimming pool pumps? Swimming pool pumps, gate openers, garage door openers and jacuzzi pumps are all in the same category. Once again, please check your own policy, since the policy wording I use as a … Continue reading
Is My Paving and Perimeter Walls Covered?
Somebody asked me: “what is included under the building section of my Personal Lines Insurance Policy. Is my perimeter fence and paving covered?” Please remember that this is a generic answer – it is important to study your own policy … Continue reading
Take Cover – Would You Pay This Claim? #2
If I were to believe the good people of the movie “My Fair Lady,” “The Rain in Spain falls mainly on the plains.” It is raining in Cape Town now, and I promise you, it falls everywhere. You probably wonder … Continue reading
Posted in Short Term Insurance
Tagged Short Term Insurance, Short Term Insurance Claims
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Take Cover – Understanding Short Term Insurance (#1)
In this series I will try to unpack short term insurance for you. Knowledge is Power A knowledgeable client is a good client. Understanding insurance makes it easier to make decisions on what your insurance should look like. Client and … Continue reading
The Top 10 Short Term Insurance Companies
How would you rank the top 10 insurance companies? Market capitalization Number of clients Reserve funds Number of employees ?? – Please comment below, I would love to hear your thoughts My Background I am a short term insurance broker … Continue reading