Motor vehicle repairs: New Parts vs. Second-hand Parts vs. Generic Parts

It is a common escalated query that I receive from clients when the panel beater contacts them to advise that the insurance company has authorised them to use second-hand parts or generic parts on their motor vehicle. This causes a lot of frustration and clients often feel like the insurer is cheating them into a […]

Ombuds report: 7 most common reasons why insurance claims are rejected

The latest Ombudsman for Short Term Insurance (OSTI) Annual Report makes interesting reading from a consumer perspective, especially the insights it provides on the most common reasons for claims being rejected. The report confirms that motor, home and household policies remain the Achilles heel of the South African insurance industry from a customer perspective. These are the […]

Calendar showing renewal date

Understanding your renewal premium

Your insurance policy has a renewal date which is the year anniversary of your policy.  On this date, you will receive a renewal notification which often results in an increase in premium.  The reason for this is Insurers may adjust your premium to cover changes in risk and claims-cost inflation expected over the coming 12 […]

Monitoring driver behaviour – the risks vs the rewards

I was the most sceptical person when it came to Discovery Insure’s Vitality Drive monitoring system. I mean, why would I want my insurer to know exactly where I am all the time, how fast I drive, how harshly I corner, and how many taxis I beat off the mark once the robot has barely […]

Winsure Insurance Brokers

Why a broker?

I often get asked ‘Why should I have a broker – surely going direct is best?’ Whenever I hear this, I often reflect on the great marketing efforts done by some insurance companies that have made consumers believe that cutting out the ‘middle man’ is best; and then how we, as consumers, are so susceptible […]

stevejobs | Winsure Insurance Brokers

The only way to do great work is to love what you do

I don’t regard what I do as rocket science, but I do regard what I do as life changing…sure my days don’t have me sitting around a table with doctors and scientists finding the ultimate cure to cancer, but I still believe that my work is great and I love what I do. I have […]

Home Contents Insurance | Winsure Insurance Brokers

Market related vs rebuild cost of my property- what should I tell my broker?

I often get asked this question when clients want to insure their structures with me. Firstly, insurance does not concern itself with the market value of your property, as this holds no bearing at all on the price it would cost you to rebuild your property. If I picked up a property from inland valued […]

all risk insurance | Winsure Insurance Brokers

Specifying electronic items – what value is correct?

There are a few things in life that are guaranteed… Death, taxes, and a new iPhone model every 6 months. The last of these, is a frustrating by-product of a society that is fixated on the new best thing. As an insurance broker, it makes it even tougher to ensure that a client has his […]

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