Engineering – Building Contractors
Building Contractors and Engineers are typically in an industry where the standard Commercial Shortterm Insurance does not cover everything. There are numerous products that fall within the scope op...
View ArticleArt Insurance
Perhaps you are like me who inherited some nice paintings and you never bothered to have it valued. Or perhaps you are a very serious art collector who knows the value of every piece. The truth is, a...
View ArticleAverage? Don’t get burned
Average is one of those Short-Term Insurance iniquities that people bring over themselves and which leads to lots of unhappiness. It all begins with an insured trying to save money on his/her insurance...
View ArticlePersonal Insurance – Buildings
Personal Insurance covers the house or building in which you live, unless you live in a flat or a factory, then it would not cover the building. I use the SANTAM policy wording, since I think it is one...
View ArticlePersonal Insurance – Household Content
Most people have household content! Think of it like this (and it is not 100% accurate): if Superman picked up your house and shook everything out – beds, tables, chairs, clothes, and what else, that...
View ArticlePersonal Insurance – All Risk
Did you read the section on Building and Content cover? Do you remember that it is inclusive cover? And it means if it is not defined it is not covered? Any event that you want to claim for has to...
View ArticlePersonal Insurance – Motor
Motor Insurance or Car Insurance It is funny, but many people equates Short Term Insurance with Car Insurance or Motor Insurance. Probably because they are forced to have it when they buy a car. Or...
View ArticleDo you need a Broker?
Brokers or Middle Men are not very popular! It seems the whole world is against us. Most people can tell a horror broker story! I cannot deny that there are horror broker stories, although I have...
View ArticleWhat About Direct Insurers?
I think the trend in short term insurance is to do it directly, without a broker or middle men. On one side it is more convenient, quicker and direct. The perception exists that it is cheaper, but...
View ArticleReader’s Question – Content, Average and Hail
I received this question: CONTENTS: - are the contents insured for both theft and burglary? - does content fall under the “average clause”? - meaning if the house or part of the house burns or is...
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