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We publish all the  insurance news, tips and reviews to ensure that you as a consumer are getting the right information to make an informed decision. We also feature the best current deals in the insurance world.

Ultimately we want to discuss the various insurance options and take a look at them in more detail and hopefully break it down into a much easier to understand topic.

Insurance is everywhere, you get home insurance, health insurance, travel insurance, business insurance and almost anything you think of in modern times can have some form of insurance option attached. As such, it’s critical to make sure that you understand what you are getting into before you sign any short or long term agreements. To many people have gotten themselves into difficult financial difficulties as a result of not knowing what insurance they have just taken out and if it was even necessary to do so!

Have a question related to insurance? Just shoot us a quick email and we’ll get back to you. Or maybe you would like us to publish an article on a certain topic to help clear up any doubts over your different insurance options.

Either way, we’d love to hear from you.

Johan. R

Does Your Maid Have Insurance?

Your Maid Provides an Essential Cleaning Service… Provide Her with an Essential Peace of Mind Insurance Policy!

Think about it for a second. Your domestic worker (maid) is almost a part of the family considering the amount of time they spend on your property and in the company of your family members. So wouldn’t it be the right thing to do to at least consider taking out some sort of cover for them?

If you don’t agree, maybe this short post will change your mind.

picture of maid ironing

Why I believe every maid deserves insurance cover

As mentioned in my opening, your maid spends a lot of time in your house and with your family. Keep in mind that she most likely has her own home and her own family, yet the majority of her time is spent taking care of yours. This is often because your maid is the sole breadwinner in her family, so there is no choice for her. I mean, who would willingly want to spend the majority of the day with somebody else’s family instead of their own? Yet undeniably, your maid plays a crucial role in the day to day functioning of your household at the expense of her own.

Now imagine if your maid met up in an accident or worse. What would happen to her home and family? Where would they find the finances to pay for a hospital stay or funeral? Surely for somebody that does so much in our own home, we can find it in ourselves to make sure that they too are covered in the event of an emergency?

There aren’t even many domestic cleaning agencies offering insurance cover for their maids. Of the ones I looked up, was one of the cleaning companies in Durban I found that provides this.


What are the options for domestic workers?


Back in 2013, 1st For Women offered an insurance policy specifically geared towards domestic workers called Domesticsure.


Domesticsure offered the following benefits:

  • Death Benefit: R25 000 (Natural death) R50 000 (Accidental death)
  • R50 000 Disability benefit
  • A 2 Year, R200 per day Hospitalisation benefit
  • 24 hour access telephonically for free medical advice through Hello Doctor

Unfortunately I haven’t been able to find any updated information regarding Domesticsure. I could be wrong but it seems as though 1st For Women no longer offers this policy. (I will try to confirm with them and update this post accordingly).

However, I have managed to find an alternative solution from a company called MadeSure. MadeSure seems to offer insurance policies catering to low-income earners. Looking at their options, it seems like it would be beneficial for maids.

maid sure

Madesure benefits:

Hospital benefits:

  • Hospital Cash Plan for Injury – R1 000 per day for up to 14 days Per Year (48 Hour wait period)
  • ER24: Emergency Medical Care with access to immediate medical assistance for your maid and her family. Available 24/7. Hotline 083 124.
  • Hospital Guarantee Cash R7 500
  • Emergency Transportation R100 000
  • Life Support equipment up to R100 000.
  • Rehabilitation: 80% (up to R75 000) of re-training costs.


Disability Benefits:

  • Permanent Disability Cover. R50 000(No waiting period)
  • Mobility Cover up to R150 000 for permanent disability. Covers costs for electric wheelchair + prosthetics.
  • Childcare R200 per day for 28 days on Accidental Disability of main member/spouse/child (7 day wait period)


Funeral Benefits:

  • Accidental Death R50 000 cover.
  • Final Rest: R18 000 (Covers all causes of death)
  • Body Repatriation up to R35 000 cover (This pays transport costs of the deceased or critically injured)


Lifestyle Benefits:

  • Trauma Counselling: R750 per session. (Up to R25 000 per family member p.a.) Covering acts of violence.
  • HIV accidental exposure benefit: Covers a 7 day course of STI medication of up to R100 000 cover (Pays out for HIV infection due to blood transfusion or rape).
  • Debt Saver Program: debt assist, protection from creditors and free credit checks.
  • Avis 14 Seater: Discounted rate for 7 days.


It looks pretty good on the surface, especially at only R95 per month, but it would definitely be best to give them a call to find out more details.

Other alternatives to look at would be the big banks and financial service providers (ABSA, Old Mutual, Nedbank Liberty etc…) as many of them do offer domestic worker specific plans.


At the end of the day, our maids make our lives easier cleaning our homes, and ensuring everything runs smoothly when we aren’t there. At the very least, helping them out with an insurance policy will give them much needed peace of mind knowing that their family is taken care of as well.

Exhibition and Event Insurance 101

What you need to know about Exhibition Insurance

Gallagher Estate Exhibition

The number of exhibitions and trade shows being hosted in South Africa every year is on the rise, as it plays an extremely important role in the wider marketing strategies of companies today.
As a result, more time and resources are being invested in exhibitions, and therefore the risk has also increased substantially.


There are a number of different risks that can affect an event:

  • Storm and fire damage
  • Load shedding
  • Equipment failure that affects the running of the event
  • Protests which can directly affect access to the even and even if the protest is in a different location, it can affect the transport of employees, guests and equipment needed for the event.
  • Guest speakers failing to arrive
  • Penalties from failing to vacate the event premises on time.
  • Damage to property during the exhibition
  • And worst of all, injuries occurring during an event which can lead to the injured taking legal action.

These risks listed above are not far-fetched at all, especially here in South Africa, which is why it’s important to make sure you have sufficient cover should you be hosting an exhibition, or even taking part in an event as an exhibitor.

Gallagher Estate Convention Centre


It’s common for insurance companies to cover 3 main areas of an exhibition. Cancellation and Disruption cover, Legal Liability cover and Property Damage and Money cover.
To expand on these:

  1. Cancellation and Disruption Cover. It’s recommended to get this type of cover on a revenue basis as this will protect you as an organiser in terms of projected profits due to cancellation or postponement of your exhibition. Some risks covered are adverse weather conditions during outdoor events, non-appearance of key speakers, mass non-attendance of visitors and travel delays.
  2. Property Damage & Money Cover. This usually can cover anything from advertising materials like your exhibition stands, furniture and equipment, and even money. In essence, any property owned, hired or borrowed for an event can be covered, including the transport to and from the event of said property.
  3. Legal Liability Cover. This is arguably the most important insurance to have in place for both the organiser and the exhibitor. Usually the event organiser is responsible for all areas outside of exhibitor booths. What happens in each individual exhibitor’s booths is the responsibility of the exhibitor. Some exhibitors have live animals or operate dangerous machinery in their sections. This can lead to unpredictable and unfortunate situations so liability cover is a must. But what about if the exhibitor is only handing out flyers? The exact same still applies. If a guest trips in your booth or slips on a flyer laying on the ground and injures themselves, they can take legal action against the exhibitor. As unlikely as this sounds, it has happened in the past, and successful judgements have been awarded in favour of the injured party for millions.

Most exhibitors assume that they are automatically covered by the organisers insurance. They also think that their current commercial insurance policy is sufficient cover for participating in an exhibition. These are dangerous assumptions to make as it leaves you exposed to the risks outlined above. In most cases, specialised exhibition insurance is needed as the normal commercial policy might not meet the minimum coverage requirements. This is especially true if you are participating in an exhibition overseas as most standard policies don’t extend beyond the borders of South Africa.

As an event organiser, it is your responsibility to ensure that every exhibitor has sufficient cover in place before they are allowed to setup at your exhibition. And as an exhibitor, you should speak to the organisers about the insurance requirements and find out if the organisers insurance offers any special coverage rates for exhibitors.

How to Choose the Right Car Insurance

In the old days, taking out car insurance was seen as more of an optional lifestyle choice. You either did, or you didn’t. But now more than ever car insurance is considered essential, no matter how luxurious or inexpensive your vehicle is.

Aside from the fact that we are seeing a rapid increase in the amount of accidents on the road and vehicle theft, with the restrictive budgets we are all faced with, paying off a car through one of the banks is almost the only viable option and with that comes the mandatory need to take out vehicle insurance.

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Make sure you have good insurance cover in the event of an accident!

So what are your options?

The 3 most common options you have when looking for car insurance is to either use a captive insurance agent, an independent insurance broker or simply by taking out insurance online. Below we will take a look at these options in a bit more detail.

  • Captive Insurance Agents. These are insurance agents who belong to one insurance firm. They have an in-depth knowledge of their company as well as the different vehicle insurance packages available and are in an ideal position to advise you on the package that will be best for you especially if you have your heart set on their particular firm. Using a captive agent becomes even more beneficial if you already have other existing insurance cover with the specific company.


  • Independent Car Insurance Brokers. These are insurance brokers who work with different vehicle insurance providers. This is a good option if you are open to considering the option of using different insurance companies that best suit your needs. By working with an independent broker, you can be certain that the broker is in a position to find you a good deal as they have no bias to a specific company. They are not contracted by only one insurance company so they will explore different options with you. Keep in mind though, an independent broker works mostly on commission so they are normally desperate to get the deal done as fast as possible to avoid the risk of losing you as a client, and losing out on commission as a result.


  • Taking Out Insurance Online. With the rise of the internet, you are in a position to buy almost anything online. This also holds true for car insurance. If you don’t mind rolling up your sleeves and doing some thorough research and investigation on the different insurance packages available by the different providers, then this is a great option for you. This allows you to bypass a broker completely as you are able to handle everything yourself with the insurance company. The key here is to know exactly what you are buying into before making the final decision.


Important considerations before you choose your car insurance package

Here are some essential considerations you need to make BEFORE making your final decision on a provider.

  1. The very first step is to know what your priorities are from the very beginning. Is your main concern getting the best deal and the cheapest rate? Do you have a specific type of cover that is essential to your current situation? Or are you mostly interested in an insurance company known to have excellent customer service? Knowing what you want is crucial before you even start looking at the different offers available.
  2. Read the fine print carefully. You have to review exactly what coverage you are getting and the different terms and conditions of the policy. This is non-negotiable as you are paying to be covered, you do not want to end up in a situation where you have a claim rejected due to a specific condition in the fine print that you overlooked. Remember, minimal coverage will give you minimal protection.
  3. Look at the general reputation of the different providers. There are many ways to do this especially having the power of the internet at our fingertips. One popular site is, you can see which providers are receiving recognition from consumers for excellent service and complaints about others who are not delivering on what they originally claimed.
  4. Concentrate on the final price. An insurance might be offering you the largest discount but at the same time, charging the highest rates. So be sure to calculate the final cost to you after discounts have been worked in.
  5. Most importantly, shop around. Don’t just settle for the first insurance company that offers what looks like a good deal. At a minimum, compare AT LEAST 3 different quotes. Rates vary drastically from different insurance companies, sometimes by hundreds of Rand for the exact same policy.