Author: Indwe Risk Services
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Insurance Claims | What to Do After Damage, Loss or an Accident
The scenarios are familiar. A burst pipe floods part of a home overnight, or a severe storm damages a roof. Elsewhere, a vehicle is involved in an accident on the way to work, and a break-in leaves a family dealing with loss and uncertainty. Unexpected events like these can be stressful, disruptive, and emotionally draining.…
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Water Risk Is Now an Insurance Risk in South Africa
Water has always been essential. But for many South African households and businesses, it has become something more: a growing risk-management and insurance concern. From planned outages and ageing municipal infrastructure to burst pipes, leaks, water tanks, pumps, boreholes and alternative supply arrangements, water-related disruption is no longer just an inconvenience. It can affect property,…
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Does Home Insurance Cover Fire Damage From Heaters, Fireplaces or Electrical Faults?
As winter sets in, South African households use heaters, fireplaces, electric blankets, gas appliances and backup power systems more often. This increased use can raise the risk of household fires, especially where appliances are old, plugs are overloaded, wiring is faulty or fireplaces have not been maintained. Home insurance may cover fire damage, but cover…
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Why “Cheap Insurance” Is Often the Most Expensive Decision
Cheap insurance often creates the impression of saving money. In reality, it may represent a shift in risk – from the insurer back to the policyholder. These trade-offs are not always immediately visible. Policy documents can be complex, and differences between quotes are rarely straightforward. What looks like a small monthly saving can quietly introduce…
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Vehicle Cloning in South Africa: The Hidden Risk You Might Already Be Exposed To
Most motorists believe risk is visible. Accidents. Theft. Damage. Things you can anticipate, insure, and recover from. But the modern risk landscape has shifted and not always in ways that are obvious. Vehicle cloning sits in that blind spot. It’s not widely understood. It’s rarely discussed upfront. Yet, it has the potential to disrupt ownership,…
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