As of October 2022, here in South Africa, insurance companies are beginning to change their policy wordings to exclude “Grid Failure” from their cover. This is because it is now an expected eventuality and is quite common. It is now a known risk that can, in essence, be managed (or reduced). Don’t panic though, Power […]
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The onus rests on you, the policy holder, to ensure that your assets are insured for the correct and adequate value to replace or re-instate them fully, following a total loss event. Buildings & Structure Sections: When it comes to Buildings and Structures on your property, the insured value needs to cater for: Site clearing
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Santam Insurance has identified the following as some of the most common business risks an organization will face across a variety of industries: • Fires: are considered the number one risk to businesses. In the current climate, one large fire could be the catalyst that closes a struggling business permanently. All it takes is a
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The Cover: A sectional title body corporate is required, by law, to ensure that there is sufficient cover in place for the all the structures and common property of the body corporate. There are an array of insurers that can meet the very basic cover requirements and others that provide detailed and niche cover that
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When it comes to moving home or your business, you should check in with your insurance providers on whether or not your goods are covered for:– The Transportation of your contents– The two addresses (where a move is done over more than one day and goods are in both properties) You should also be sure
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A Plant All Risks policy can be taken out to insure heavy machinery (or Plant) such as bulldozers, Bobcats and Forklifts to name a few. These can be insured for limited risks or for All Risks, comprehensive cover. Such cover can be taken out for own use or hiring out equipment for short or long
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Did you know that more often than not, it is much more cost effective to insure your Marine / Cargo for both imports and exports on a single policy that covers all your shipments in the year. Depending on the size, scope and volumes of your operation, this can save anything from a few thousand
Marine Insurance: Imports and Exports by Land, Sea, Air and Rail Read More »
Going somewhere, are you? If you will be travelling, here are some pointers to remember: Obey the rules of the road & carry your driver’s license. Plan the route to your destination and allow yourself enough time to reach the destination. Make sure that your vehicle is in a roadworthy condition before departure. All lights
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If you ever find yourself in a collision, be it a big crash or a small fender bender, you should not leave the scene without the following steps: Call the local police department to report the incident – both parties should compile the description of events to/ with the police officer. Swap driver’s license details.
COLLISIONS INVOLVING OTHER PARTIES Read More »
When it comes to business / commercial insurance, there are over 23 possible sections that can make up a single policy. In addition to that, there are a multiple of unique, niche policy types that are generally taken as standalone policies such as Marine, Professional Indemnity, Guarantees and the like. This is where anyone going
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Wynberg, Southern Suburbs, Cape Town
Finesse Insurance Brokers provides quality service to clients who know the value of sound advice and the importance of protecting ones assets from loss.
