Jeandre Makelaars

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Jeandre Makelaars Jeandre Brokers is a registered and accredited financial services provider with no. 34911

Mediese Fondse , Anuiteite , Lewensversekering , Beleggings , Trusts , Testamente

🚿🔧 INSURANCE MYTH: “If my geyser or pipes break because they're old, my insurance will pay for everything.”This is one o...
14/10/2026

🚿🔧 INSURANCE MYTH: “If my geyser or pipes break because they're old, my insurance will pay for everything.”

This is one of those “read the fine print” situations!

Standard insurance generally isn't designed to cover every maintenance issue, deterioration or wear and tear that comes with an ageing property.

However, some insurers offer maintenance or wear-and-tear extensions/buy-ups that can provide additional protection for things such as pipes and geysers, subject to the specific policy terms, limits and conditions.

💧 Insurance protects against insured events. Maintenance keeps your home running.

Knowing the difference can save you a nasty surprise when that geyser decides to give up! 😅

🚗🔑 INSURANCE MYTH: “If my car is in for repairs, my insurance will automatically give me a rental car.”Not necessarily!C...
13/10/2026

🚗🔑 INSURANCE MYTH: “If my car is in for repairs, my insurance will automatically give me a rental car.”

Not necessarily!

Car hire is often an optional additional benefit, and the type of vehicle, number of days and circumstances in which you qualify can depend on your policy.

So when your car is sitting at the panel be**er, don't assume a rental vehicle is automatically included.

🛞 Your car may be covered — but is your mobility?

Check whether car hire is included in your policy and what the limits are.

📍🚗 INSURANCE MYTH: “If I install a tracking device, my car insurance will automatically be cheaper.”Not necessarily!A tr...
12/10/2026

📍🚗 INSURANCE MYTH: “If I install a tracking device, my car insurance will automatically be cheaper.”

Not necessarily!

A tracking device can help with vehicle recovery and risk management, but simply having one fitted doesn't automatically guarantee a lower premium.

Some insurers may offer a discount or require a tracking device as a condition of cover, depending on the vehicle, risk profile and policy.

🚨 A tracker can protect your vehicle. It doesn't automatically change your premium.

Always check what your insurer requires — and what benefit you're actually getting.

💸 INSURANCE MYTH: “If I have insurance, I shouldn’t have to pay an excess.”Unfortunately, insurance doesn't always work ...
08/10/2026

💸 INSURANCE MYTH: “If I have insurance, I shouldn’t have to pay an excess.”

Unfortunately, insurance doesn't always work that way!

An excess is the amount you may be responsible for paying when you claim. But some insurers offer an excess waiver buy-up, which can remove or reduce the excess for certain claims, depending on the policy.

It can be an especially useful option if you’d rather pay a little extra upfront than face a larger unexpected cost when claiming.

💡 Your premium isn't the only number worth looking at.

Know your excesses — and know your options.

🚗💸 INSURANCE MYTH: “If my car is written off, my insurance will pay off the whole vehicle loan.”Unfortunately, not neces...
07/10/2026

🚗💸 INSURANCE MYTH: “If my car is written off, my insurance will pay off the whole vehicle loan.”

Unfortunately, not necessarily.

Your vehicle's market or retail value and the amount still owing on your finance agreement aren't always the same.

If your insurer's settlement is less than the outstanding finance balance, you could be left with a credit shortfall.

A credit shortfall buy-up can help bridge that gap, subject to the policy terms and limits.

🚘 A written-off car shouldn't leave you paying for a car you no longer have.

Ask us whether credit shortfall cover could be suitable for you.

🔧 INSURANCE MYTH: “If my car breaks down, my insurance will pay for the repairs.”Insurance and maintenance aren't quite ...
06/10/2026

🔧 INSURANCE MYTH: “If my car breaks down, my insurance will pay for the repairs.”

Insurance and maintenance aren't quite the same thing!

A mechanical breakdown caused by wear and tear, ageing or a mechanical fault isn't necessarily covered under standard motor insurance.

However, some insurers offer mechanical breakdown cover as an additional benefit, subject to specific terms and conditions.

🚗 A breakdown isn't automatically an insurance claim.

Know what your policy covers before the warning light comes on!

⚡ INSURANCE MYTH: “My household contents are insured, so damage from a power surge is automatically covered.”Not always!...
01/10/2026

⚡ INSURANCE MYTH: “My household contents are insured, so damage from a power surge is automatically covered.”

Not always!

Power surges can cause serious damage to TVs, computers, appliances and other electronic equipment. But power surge cover may need to be specifically included in your policy.

And yes… load shedding and the return of electricity can make those surges particularly unwelcome. 😅

⚡ Don’t leave your electronics’ protection to chance.

Check whether power surge cover is included in your policy.

💥 INSURANCE MYTH: “If I accidentally damage something, my insurance automatically covers it.”Not quite!Standard cover do...
30/09/2026

💥 INSURANCE MYTH: “If I accidentally damage something, my insurance automatically covers it.”

Not quite!

Standard cover doesn’t necessarily include accidental damage. That cracked TV, knocked-over appliance or accidental mishap could fall outside your basic cover unless you’ve specifically added the appropriate extension.

🛡️ Accidents happen. Covering them is a choice.

Speak to your broker about whether accidental damage cover is right for you.

🚨 INSURANCE BUY-UP MYTH: “I have an alarm, so my premium should be lower.”Not necessarily! 😉An alarm system can help red...
29/09/2026

🚨 INSURANCE BUY-UP MYTH: “I have an alarm, so my premium should be lower.”

Not necessarily! 😉

An alarm system can help reduce your risk, but it doesn’t automatically mean a lower premium.

Depending on your insurer and policy, you may qualify for a security-related discount or buy-up, but there can be specific requirements around the type of alarm, installation, monitoring, activation and response services.

And remember: an alarm may also be a condition of your cover rather than something that earns you a discount.

🔐 Security measures matter — but so do the details of your policy.

Don’t assume. Check your cover.

Address

34 Castelyn Drive, Fichardtpark
Bloemfontein
9317

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+27796977794

Website

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