Ivette de Bruin Brokers

Ivette de Bruin Brokers Your Trusted Short-Term Insurance Partner Since 1999

31/03/2026

Examples of Liability claims - Part 2

In Part 1 of this newsletter, we looked at the concept of liability and what constitutes legal liability.

In this newsletter we are going to look at some practical examples of potential liability claims.

Let's look at some examples:

Slip & trip incidents:

A resident slips on a wet entrance floor with no warning signage and fractures an arm. The body corporate or building owner may be held liable for medical expenses if reasonable precautions weren't taken.

Gate malfunctions:

A gate suddenly malfunctions and closes on a vehicle or person. Injuries or damage caused by building equipment that the building owner or body corporate is responsible for maintaining may result in claims.

It is important to note, however, that if a gate sensor (or similar safety mechanism) was functioning correctly and maintained appropriately, but fails unexpectedly for the first time, this does not automatically give rise to liability. Each incident must be considered on its own merits, taking into account whether there was any negligence in maintenance, inspection, or response to prior issues.

Poorly maintained common areas:

Uneven paving, potholes, broken handrails, inadequate lighting may lead to trips or injuries. If the hazard was known - or should reasonably have been known, the building owner or body corporate may be held liable.

In Part 3 of this newsletter, we will look at some preventative measures to reduce your liability risk.

🌦️ Short-Term Insurance Trends to Expect in 2026 🌦️As we move into the new year, we’d like to keep you informed about th...
13/01/2026

🌦️ Short-Term Insurance Trends to Expect in 2026 🌦️

As we move into the new year, we’d like to keep you informed about the key trends shaping the short-term insurance landscape in South Africa. Staying ahead helps ensure your cover remains relevant and effective.

🔹 Premium Adjustments
Insurers are likely to implement premium increases due to rising repair costs, inflation, and continued supply-chain pressure on parts and materials. Vehicle and household premiums may see the biggest changes.

🔹 Climate-Related Risks
With more severe weather events occurring across the country—heavy rainfall, hail, and flooding—insurers are tightening risk assessments and updating weather-related excess structures.

🔹 Stricter Underwriting
Expect more detailed risk profiling when taking out or updating cover. Insurers are focusing on accurate valuations, security measures, and proof of maintenance to keep claims fair and sustainable.

🔹 Technology & Telematics
More insurers are rewarding clients who opt for telematics-based monitoring and smart-home security devices. This could help reduce premiums for clients who show consistent low-risk behaviour.

🔹 Repair Delays & Part Availability
Vehicle repairs may still be affected by global supply constraints. Clients are encouraged to keep communication open during claims processes to manage expectations around repair times.

🛡️ How We Support You
We remain committed to guiding you through these upcoming changes, reviewing your cover regularly, and ensuring you stay protected without unnecessary costs.
If you’d like a policy review or have any questions about your current cover, feel free to contact us anytime.

🎄✨ Season’s Greetings from Ivette de Bruin Brokers ✨🎄As the festive season draws near, we would like to take a moment to...
16/12/2025

🎄✨ Season’s Greetings from Ivette de Bruin Brokers ✨🎄

As the festive season draws near, we would like to take a moment to thank you for your continued trust and support throughout the year. It has truly been a privilege to serve you and to be part of your journey.

We wish you and your loved ones a joyful festive season filled with peace, rest, and special moments shared with those who matter most. May the New Year bring you good health, happiness, and prosperity.
Thank you for being a valued part of our community. We look forward to continuing to support and protect what matters most to you in the year ahead.

🎉 Happy Festive Season & a Prosperous New Year! 🎉

🎄🚨 Festive Season Reminder: Security Requirements & Your Insurance Cover 🚨🎄As we head into the busy festive season, it’s...
05/12/2025

🎄🚨 Festive Season Reminder: Security Requirements & Your Insurance Cover 🚨🎄

As we head into the busy festive season, it’s more important than ever to make sure you’re fully compliant with the security requirements listed on your short-term insurance policy.
These requirements — such as alarm systems, burglar bars, immobilisers, tracking devices, access control and more — are not just suggestions. They’re conditions of cover, and non-compliance can have serious consequences.

🔐 Why compliance matters:
▪️ Insurers rely on these measures to reduce risk.
▪️ If a claim occurs and the required security features were not installed, working, or activated, the insurer may reject or reduce the claim.
▪️ This is especially important during the festive season, when crime rates historically increase and homes/vehicles are left unattended more often.

⚠️ What can go wrong if you’re not compliant:
▪️ Claim rejection due to inactive or missing security measures
▪️ Reduced claim payouts
▪️ Unnecessary out-of-pocket loss
▪️ Higher Excess Structures

✨ Our advice:
Take a moment to review your policy schedule and make sure you meet all security requirements. If you're unsure, we’re here to help.

📞 Contact us any time to confirm your cover is secure and compliant this festive season.

🔍 Why Insurance Companies Can’t Just “Make Up Their Own Rules”Understanding the Law Behind Short-Term Insurance in South...
19/11/2025

🔍 Why Insurance Companies Can’t Just “Make Up Their Own Rules”
Understanding the Law Behind Short-Term Insurance in South Africa

In South Africa, short-term insurers don’t operate on personal preference or “their own rules.” Every requirement, document, process, and decision is guided by strict laws and regulations designed to protect you, the policyholder.

Here’s what clients often don’t realise:

📘 1. The Short-Term Insurance Act & Policyholder Protection Rules (PPR)
These laws set out exactly how insurers must behave — from how policies are written, to how claims must be handled, to how fairly you must be treated. Insurers must follow these rules to the letter.

🏛️ 2. The Financial Sector Conduct Authority (FSCA)
The FSCA oversees all insurers and brokers. They ensure that every insurer treats clients fairly, gives clear information, and follows proper processes. If an insurer or broker breaks the rules, they can be fined or even lose their licence.

📑 3. Underwriting Requirements Aren’t “Random”
When an insurer asks for documents or sets specific conditions, those requirements exist because:
They are required by law, or
They are based on actuarial data, risk assessments, and industry-wide regulations.

⛔ 4. Insurers Cannot Simply Decline or Approve Claims as They Wish
Every claim decision must be backed by contract terms, legislation, and fairness principles. If not, the Ombudsman can overturn the decision.

🤝 The Bottom Line
Insurance companies don’t just make up rules. They operate within a tightly regulated system meant to ensure transparency, fairness, and protection for policyholders. Every requirement has a basis — even when it feels inconvenient.

If you ever feel unsure about why something is required, ask your broker. We’re here to help you understand the why behind the process.

🚨🇿🇦 South Africans: The MOST Important Insurance You Might Be Overlooking…There’s one type of cover in South Africa that...
14/11/2025

🚨🇿🇦 South Africans: The MOST Important Insurance You Might Be Overlooking…
There’s one type of cover in South Africa that quietly sits in the background — until the day you desperately need it. Many people assume they already have it, misunderstand it, or skip over it completely… yet it’s the only protection that pays when unrest strikes.
That cover is SASRIA. 🔐

SASRIA (South African Special Risks Insurance Association) provides protection for risks that standard insurance policies explicitly exclude, such as riots, strikes, civil commotion, public disorder, political unrest, terrorism, and malicious damage linked to these events. These aren’t minor risks — they’re unpredictable, high-impact events that have caused massive losses across the country. And when they happen, your normal insurance will not respond. Only SASRIA will.

In recent years, we’ve seen how quickly unrest can escalate: vehicles burned, businesses destroyed, properties damaged, and stock looted. In situations like these, SASRIA can mean the difference between recovering… or suffering a total, uninsured loss.
So why is it often overlooked?
Many people think their existing policy covers everything. Others underestimate the real risk of unrest. And because SASRIA is relatively inexpensive, its importance is easy to undervalue — until it’s too late.

The truth is simple: In South Africa, SASRIA isn’t a luxury. It’s a critical safeguard for your business, your assets, and your financial future. 🛡️

If you’re unsure whether you’re covered or want to confirm your exposure, now is the perfect time to review your policy. ✔️

🚗 Attention South African motorists — are you really covered? 🚗Did you know that fewer than 1 in 3 vehicles on South Afr...
21/10/2025

🚗 Attention South African motorists — are you really covered? 🚗
Did you know that fewer than 1 in 3 vehicles on South African roads are actually insured against damage or theft? According to the Automobile Association (AA), less than 35% of vehicles in SA are insured.

👉 That means 65% + of vehicles are driving uninsured.

🔧 What could it cost you when things go wrong?
Average crash cost: A 2015 study found the average cost of one vehicle accident was about R171,727. For more minor but still significant repairs in 2025, one report found average repair costs typically range between R15,000 and R30,000.

⚠️ And what happens when you collide with a 3rd party?
- You may be held financially accountable for damage to their vehicle, property, or injuries.
- If the 3rd party is uninsured (very likely, given the low insurance pe*******on), you could face the full repair/replacement cost — and possible legal liability.
- If your own vehicle is damaged and you don’t have cover, you’ll pay entirely out of your pocket.

Even with insurance, low premiums sometimes come with high excesses or restricted cover — you could still end up with a large unexpected bill.

🔍 Here’s why having proper vehicle cover matters:
- It protects you from bearing the full cost of damage or repair when things go wrong.
- It helps ensure you’re not left stranded financially while repairing or replacing your vehicle.
- It gives peace of mind — especially when you’re involved in an accident with a driver who isn’t insured.
- It may help with liability toward others involved in an incident (third-party damage/injury) rather than you absorbing all costs.

📌 Bottom line:
With the majority of vehicles on the road uninsured and repair/accident costs mounting — choosing not to insure is a risk. Think of it as protection for your investment and your pocket.

🌍 Why are insurance costs rising in 2025?If you’ve noticed your insurance premium going up, you’re not alone. Several fa...
06/10/2025

🌍 Why are insurance costs rising in 2025?

If you’ve noticed your insurance premium going up, you’re not alone. Several factors are putting pressure on insurers across South Africa:

📈 Reinsurance costs are rising globally. Insurers also need protection, and those costs have climbed sharply due to increased natural disasters and global risk events.

🚗 Repair & replacement costs are higher than ever. Imported car parts, building materials, and electronics are more expensive, which means claims cost more to settle. In fact, some vehicles are now written off instead of repaired because fixing them costs too much.

💰 Inflation & exchange rates are driving up costs. From labour to spare parts, almost everything insurers pay for when handling claims is getting more expensive.

👉 What does this mean for you?
Premiums and excess structures may shift as insurers try to balance rising costs.
Underinsurance is becoming a bigger risk — if your assets aren’t insured at the correct replacement value, you may not be fully covered in the event of a claim.

Now is the best time to review your policy, adjust where needed, and make sure you’re not paying for cover you don’t use — while still being protected where it matters most.
✅ With the right advice and a tailored policy review, you can manage costs without leaving yourself exposed.

✅ What is a Contractors All Risk (CAR) Policy & Why Do You Need It?If you’re a contractor in South Africa, every project...
28/08/2025

✅ What is a Contractors All Risk (CAR) Policy & Why Do You Need It?

If you’re a contractor in South Africa, every project you take on comes with risks – from accidental damage on site to theft of materials and unforeseen events like storms or fire. This is where a Contractors All Risk Policy comes in.

A CAR policy provides comprehensive cover for:
🔹 Contract Works – Protects the actual construction project against accidental damage or loss during the build.
🔹 Materials & Equipment – Covers loss or damage to tools, machinery, and materials on-site.
🔹 Third-Party Liability – If someone is injured or their property is damaged because of your work, this protects you from huge financial claims.

✅ Why is it necessary?
✔ Construction sites are unpredictable – accidents happen.
✔ Most clients require contractors to have this cover before awarding projects.
✔ It safeguards your business from financial loss, legal claims, and delays that could cost you millions.
Don’t leave your business exposed to risk. Speak to a trusted insurance advisor and make sure you’re covered before the first brick is laid!

📞 Need help getting the right CAR cover? Message us today for expert advice!

🏢 Body Corporate Insurance Valuations – What You Need to Know 🏢Did you know that in South Africa, every Body Corporate i...
20/08/2025

🏢 Body Corporate Insurance Valuations – What You Need to Know 🏢

Did you know that in South Africa, every Body Corporate is legally required (in terms of the Sectional Titles Schemes Management Act) to have their buildings insured for the correct replacement value?

✅ This means a professional valuation must be done at least every 3 years to make sure your property is neither underinsured nor overinsured.

✅ The valuation must include the full replacement cost of the buildings – including demolition, site clearing, professional fees, and escalation.

✅ Trustees carry the responsibility to ensure compliance, and failure to do so could leave owners exposed to major risks in the event of fire, storm, or other damages.

📌 Regular valuations not only keep you compliant with legislation, but also protect owners’ investments and ensure peace of mind.
If your Body Corporate is due for a valuation or you’re unsure whether your scheme’s insurance cover is up to date – now is the time to act.

🔒 Protect your assets. Stay compliant. Safeguard your community.

🚗💡 Vehicle Insurance & Extras – Are You Fully Covered?When it comes to insuring your car, many South Africans assume tha...
29/07/2025

🚗💡 Vehicle Insurance & Extras – Are You Fully Covered?

When it comes to insuring your car, many South Africans assume that everything is automatically covered under a comprehensive policy — but that’s not always the case.

➡️ Accessories like:

- Canopies
- Aftermarket mags or tyres
- Upgraded sound systems
- Bull bars, tow bars, roof racks, or bike carriers
…are often not covered unless specifically listed and valued on your policy.

🔍 Why this matters:
If your vehicle is stolen or damaged and these extras are not specified, your insurer may refuse to settle loss or damage to these items.

✅ What to do:

- Review your vehicle policy regularly
- Declare any non-factory-fitted extras
- Ensure updated values are noted on your schedule

Need help checking if you're properly covered? 📋
We’re here to assist — let’s ensure you’re not caught short at claim time.

Address

127 Jac Van Rhyn, Universitas Rif
Bloemfontein
9301

Telephone

+27735086919

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