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16/10/2026

Most of us don’t give the roof above our heads much thought. It’s just there, doing its job — until one rainy evening you notice a suspicious mark on the ceiling.

Then comes the bucket. 😅

The problem is, by the time water starts making its way inside, the issue may have been developing for a while. Cracked or missing tiles, damaged flashing, blocked gutters and general wear can all be easier to deal with when they’re picked up early.

That’s why a little preventative maintenance can go a long way. Take the time to inspect your roof and gutters periodically, particularly before the rainy season or after severe weather, and deal with any problems before they have the chance to become bigger ones.

It’s also important to remember that insurance and maintenance don’t serve the same purpose. Your policy provides cover according to its specific terms and conditions; it does not cover maintenance damage/losses.

If storm damage does occur, document the damage and get in touch with your broker so they can guide you through the appropriate next steps.

The best time to check your roof is before you need the bucket. ☔

Cover and claims are subject to the terms, conditions, limits and exclusions of the applicable policy.

15/10/2026

A strong storm rolls through overnight, and when you look outside the next morning, part of your neighbour’s tree has come down — straight onto your wall, roof or another part of your property.

Your first thought might be:
“It’s their tree, so surely they’re responsible?”

But situations like these aren’t always that straightforward. The circumstances surrounding the damage can matter, which is why it’s better not to make assumptions about responsibility or how the loss will be handled.

Once everyone is safe, take photographs of the damage and the surrounding area, avoid removing anything unless it’s necessary to prevent further damage or for safety, and get in touch with your broker as soon as possible.

We can help you understand the appropriate claims process, what information may be needed and what your policy provides.

Storm damage is stressful enough without trying to work out the insurance side of things on your own.

Sometimes the damage crosses the boundary wall. The insurance questions can too.

14/10/2026

Remember when replacing a car key meant simply getting another piece of metal cut?

For modern vehicles, it’s not quite that simple anymore.

Today’s keys and remotes can contain sophisticated technology that communicates directly with your vehicle. So if your key is lost, stolen or damaged, replacing it may involve more than a quick trip to the locksmith. Programming, coding or specialist equipment may be required — and that can make replacement more expensive than you might expect.

It’s also worth thinking about your spare key. Do you know where it is? Is it stored somewhere secure? And if your main key was stolen, would you know what to do next?

These are small things we often don’t think about until there’s a problem.

So, take a moment to check where your spare key is kept, and if a key is lost or stolen, speak to your broker about what your policy may provide and what steps you should follow.

It might be one of the smallest things you carry, but replacing it can be a bigger deal than you think.

07/10/2026

An accident, damage to your home or a theft can turn an ordinary day into a stressful one very quickly.

In that moment, you don’t want to be left wondering who to contact, what documents you need or what happens next. You want clear answers and someone who can help you navigate the process.

That’s where having a broker makes a difference.

We’re not only here to help arrange your insurance. When it’s time to claim, we’re here to help you understand the process, guide you through the next steps and provide support when you need it most.

Because good insurance is about more than the premium you pay. It’s also about the service you receive when something goes wrong.

Good cover matters. Good service matters too.

02/10/2026

That small chip in your windscreen might not seem urgent, but temperature changes, road vibrations and everyday driving can quickly turn it into a larger crack.

And with modern vehicles, replacing a windscreen isn’t always as simple as replacing the glass. Many vehicles have cameras behind the windscreen that support safety features such as lane departure warnings and automatic emergency braking. After replacement, these cameras may need to be recalibrated.

Catching damage early could mean the difference between a simple repair and a full windscreen replacement.

Spotted a chip? Don’t wait for it to spread. Get in touch and we’ll help you understand your cover and the next steps.

01/10/2026

43 Years Strong. Built on Relationships

43 years. Built on trust, strengthened by relationships, and driven by a shared commitment to moving forward.

Since October 1, 1983, we’ve had the privilege of working alongside incredible people — dedicated teams, loyal clients, trusted suppliers, valued partners, and everyone who has played a part in our journey.

Today, we celebrate not just 43 years in business, but the relationships and shared successes that have shaped who we are.

Thank you for being part of our story. Here’s to everything we’ve achieved together — and to the road ahead.

43 years strong. Still moving forward.

28/09/2026

A piece of jewellery passed down from a grandparent.

A valuable watch.
A painting that's been in the family for years.
A collection you've inherited from someone special.

Inherited items can carry enormous sentimental value — but they may also have significant financial value.

And because you didn't personally buy them, you may not have an invoice or even know what they're currently worth.

If you've recently inherited valuable items, consider:
💎 Having jewellery or other valuables professionally valued
📸 Keeping clear photographs of the items
📄 Holding onto any valuations or supporting documentation
🏠 Checking whether they're adequately covered under your household contents
👜 Asking whether items that leave the home should be specifically insured

Don't assume an inherited item is automatically covered simply because it's now in your home.

You can't insure the memories — but you can help protect what carries them.

Speak to your broker about the appropriate cover for your valuables.

Cover is subject to the terms, conditions, limits and exclusions of the specific policy.

25/09/2026

When everything is going smoothly, it can be easy to look at insurance as just another monthly expense.

Then something happens.

Your home is flooded.

Your geyser bursts and water damages your floors, cupboards, and furniture.

A fire damages your home and suddenly you need somewhere to stay.

Your car is involved in a serious accident.

Your home is broken into while you’re away — and you’re standing in front of a broken door, wondering what to do first.

A storm damages your roof and water is coming into your home.

Suddenly, the most important question isn’t:

“How much was my premium?”
It’s:
“Who do I call, and who’s going to help me through this?”

Because when something goes wrong, an insurance policy is only part of the picture.

You may need to know:
• Where can I stay tonight?
• How do I prevent further damage?
• Who arranges the emergency repairs?
• What happens to my damaged belongings?
• Who deals with the assessment?
• What information do I need to provide?
• What happens next?

That’s where having a professional broker can make a real difference.
Not just helping you insure your home, car, and valuables — but being there to help you navigate the process when you need it most.
Because when life goes wrong, you shouldn’t have to figure it all out on your own.

24/09/2026

Happy Heritage Day!

Address

Bridgewater Suites Conference Lane, C404, Century City
Cape Town

Telephone

+27861242123

Website

https://www.aib.co.za/, https://www.aib.co.za/post/can-your-business-afford-not-to-have-cyber-cover

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