Understanding Policy Exclusions and Limitations in South African Insurance

Category: Personal Insurance
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Understanding Policy Exclusions and Limitations in South African Insurance
Insurance is a cornerstone of financial protection, helping individuals and businesses recover from unforeseen events. But many policyholders face unexpected claim rejections due to policy exclusions and limitations they weren’t aware of. In South Africa’s evolving insurance landscape, understanding what your policy does not cover is just as important as knowing what it does. What…
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What to Do If the Wrong Fuel Is Put in Your Car and How to Claim
Accidentally using the wrong fuel in your car is a common yet costly mistake that can lead to significant engine damage. In South Africa, misfuelling incidents cost motorists millions of rands annually, with repair costs averaging around R9,700 and, in extreme cases, exceeding R100,000. Here’s a comprehensive guide on what to do if this happens…
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Personal Cyber Insurance: Protecting Yourself in the Digital Age
As our lives become increasingly digital, the risks of cybercrime grow exponentially. Cyber threats, from identity theft to ransomware attacks, can cause significant financial and emotional harm. Personal cyber insurance protects against these risks, providing essential coverage and peace of mind. What is Personal Cyber Insurance? Personal cyber insurance is a specialised policy designed to…
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2025 Insurance Trends to Watch for in Personal Insurance: A Forward-Looking Perspective
As we approach the decade’s midpoint, the personal insurance industry is on the cusp of significant transformation. Driven by technological advancements, changing consumer preferences, and evolving regulatory landscapes, insurers in South Africa and globally are poised to adapt and innovate. Here are the key trends shaping the personal insurance market in 2025. Widening Protection Gap…
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Understanding Coverage for Electric Vehicles: A New Frontier in Insurance
Electric vehicles (EVs) are rapidly gaining popularity, with more South African consumers viewing them as viable alternatives to traditional cars. A recent survey by PwC highlights the growing interest in hybrid and electric vehicles, spurred by the steady decline in prices. The National Association of Automobile Manufacturers of South Africa (NAAMSA) also reported a striking…