Insuring community scheme store rooms
In this blog, we delve into the rental of common property store rooms and the effect on insurance. Special resolution From an insurance perspective, it is always a good idea…
Bruce Gibson
Body corporate vs. nightmare neighbour
The role of trustees The trustees are appointed to represent the interests of all members of the body corporate and, as such, must maintain a balance between the interests of…
Water restrictions and geysers
Water-saving measures amid drought During the 2016 drought, municipal authorities across the country took various steps to reduce pressure on dwindling water resources. In Durban, one such measure involved installing…
Insurance definitions: Capital additions
In order to protect their financial interests, property owners take out insurance policies providing sufficient cover against loss of, or damage to the property. The insurance policy is usually contracted…
A picture is worth a thousand words – using photographs in insurance claims
In a property insurance contract, it is the responsibility of the client to ensure there is full disclosure to the insurer when declaring the details of the property to be…
The Definitions of Insured Values – Part 2
Insurance is a contract between the insurer and the insured, and as such it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract…
The Definition of Insured Values – Part 1
Insurance is a contract between the insurer and the insured, and as such it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract…
What does the insurance definition ‘Act of God’ mean?
Insurance is a contract between the insurer and the insured, and as such, it is subject to numerous terms and conditions as contained in the policy wording. Beyond this contract,…
What does ‘insurable interest’ mean?
[Updated 19 May 2025] As a contractual agreement, property insurance is subject to various agreed-upon terms and conditions and certain acceptable principles of insurance practice. One such practice or concept…
Unoccupied premises
Unoccupied properties present unique challenges for insurance coverage in South Africa. The risk factors associated with these properties differ significantly from those of occupied homes, necessitating adjustments in insurance policies.…