SFP Blackie Swart Registered Financial Adviser: Short Term - WC

SFP Blackie Swart Registered Financial Adviser: Short Term - WC Personal Lines, Commercial and Agriculture

09/09/2021

GEEN VERSEKERING VIR HIERDIE GEBEURE.
William Horne
Onluste, pandemies, kuberaanval-
le, klimaatsverandering – die
Suid-Afrikaanse versekeringsbe-
dryf weet nie meer hoe om dek-
king te bied vir ’n wêreld wat
“deur risiko’s oorval word” nie.
“Die ou gesegde oor verseke-
ring – dat die meerderheid betaal
vir die minderheid – is heeltemal
op sy kop gekeer deur die pande-
mie en ander onlangse gebeure,”
sê Quinten Matthew, hoof van ge-
spesialiseerde sake van Santam.
Santam het gister sy tweede
jaarlikse barometer-verslag oor
die versekeringsbedryf uitgereik.
Die versekeraar sê die aard van
risiko’s het heeltemal verander.
Die bedryf kan nie meer risi-
ko’s namens kliënte “oorneem”
nie, maar moet nou eerder fokus
om risiko in samewerking met
kliënte te “bestuur”.
Maar vir sekere soorte gebeure
is Santam en kie nie meer bereid
of in staat om dekking te bied nie.
“Wat as daar nog ’n pandemie
kom? Wat as die nasionale krag-
netwerk in duie stort? Wat as ’n
kuberaanval sake oor die land
heen onmoontlik maak?” vra An-
drew Coutts, hoof van intermediê-
re sake van Santam.
Hy noem dat selfs verstedeli-
king tesame met klimaatsveran-
dering ’n enorme risiko inhou.
Wanneer erge haelstorms nou oor
’n gebied in ’n stad voorkom, is
daar miljoene mense wat daar
woon, in vergelyking met die
meer uitgebreide ligging van ne-
dersettings in die platteland.
“Dit sal nou ongekende skade
aanrig,” sê Coutts.
Santam en ander versekeraars
het begin agterkom hulle kan nie
meer versekering vir sulke gebeu-
re bied nie. Santam het reeds ver-
lede jaar besluit om nie meer dek-
king vir pandemies te bied nie.
Verskeie versekeraars het aan-
vanklik geweier om sakeonder-
brekingseise weens die pandemie
te betaal. Die hof het Santam toe
gedwing om te betaal, maar hy
veg steeds teen die dekkingstyd-
perk wat die hof voorgestel het.
Dit gaan hom glo tot R3,75 mil-
jard kos om meestal gasvryheids-
ondernemings uit te betaal.
Maar nou is daardie dae verby.
Pandemies is nie meer ’n “verse-
kerbare” geval nie.
En Coutts meen daar is baie
meer sulke gebeure wat weens die
veranderende aard van die wêreld
nie meer verseker kan word nie.
Rampe, kuberaanvalle, nasio-
nale infrastruktuur wat ingee –
dit is nie meer versekerbaar nie.
Coutts sê hul navorsing het ’n
peiling ingesluit om tydelike op-
lossings te vind. Daarin het 33%
van die respondente gesê ’n spe -
siale rampfonds moet deur die re-
gering in samewerking met die
private sektor gestig word vir sul-
ke gevalle. 27% het gesê spesiale
effekte moet in die geval van ’n
groot ramp uitgereik word. 25%
het gesê burgers moet tot ’n ramp-
fonds bydra.
Coutts meen die enigste manier
om verligting vir grootskaalse
rampe te bied is deur ’n vennoot-
skap tussen die staat en private
sektor.
Maar Santam glo ook iets soos
Sasria, die staatsonderneming
wat versekering verskaf teen on-
der meer onlusskade, kan werk.
Sulke gespesialiseerde verseke-
raars wat vir grootskaalse rampe
voorsiening maak, kan ’n oplos-
sing wees, meen Coutts.
Die onlangse onluste in KwaZu-
lu-Natal en Gauteng het Sasria eg-
ter bankrot gelaat. Sasria het
geen manier om op sy eie eise van
tot R25 miljard uit te betaal vir
die ondernemings wat geraak is
nie, en dit was in slegs twee pro-
vinsies. Santam meen die staat
moet meer sulke ondernemings
skep om vir selfs groter rampe en
krisisse voorsiening te maak,
want versekeraars gaan nie.
Kenners meen nog pandemies
is op pad, veral weens die impak
van klimaatsverandering op die
natuur. Meer onluste is ook op
pad, meen die Nasionale Raad
van Provinsies se staande komi-
tee oor finansies. Sasria het van-
deesweek erken dat indien dit op
’n nog groter skaal gaan gebeur
nie net hy bankrot sal wees nie,
maar ook die staatskas.
En kuberaanvalle met die po-
tensiaal om ganse dele van die
land se infrastruktuur te verlam
neem ook toe, soos wat met die
onlangse aanval op Transnet en
die hawens gesien is. Coutts sê
“risiko was nog nooit groter nie”.

23/08/2021

Goeie more. Die afgelope tyd gebeur dit al hoe Meer dat awery op onder versekerde geboue toegepas word. Awery werk so: Jou huis is R2mil werd en jy verseker dit vir R1mil. Jy is dus 50% onderverseker. Takplate waai af en jy het R20, 000 skade. Versekering betaal net 50% van skade dus R 10,000.
Riglyn vir waardebepaling van geboue: Vkm van gebou X Boukoste in jou omgewing= vervanging waarde + koste van rommelverwyderig + ingenieurskoste + koste om planne op trek (geval van totale skade) + inflasie = versekerde waarde. Kontak my as jy enige vrae of advies benodig. Geniet die week Blackie.

08/06/2021

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What to do if you get caught in a fire
18 April 2021

NewsWhat To Do If You Get Caught In A Fire
The out of control fire that devastated Rhodes Memorial, parts of Table Mountain and the University of Cape Town, hit very close to home when Old Mutual Insure’s communication manager got caught in it on Sunday morning. As the story unfolds and the fire continues to rage on, below she shares what she wishes she knew at the time, which can help others get out of trouble quickly if caught in a fire.

18 April 2021: “I had no idea what to do or where to run. I didn’t have time to look up an emergency number, so I sent out a live video on Twitter to ask for help, knowing that I would get a response quickly.”

These are the words of Lisette Lombard, communications manager at Old Mutual Insure, who was lucky to escape with her life when she got caught in the wildfire that broke out near Rhodes Memorial on Sunday morning. Her car, which was in the parking lot at Rhodes Memorial, was destroyed in the fire.

“Nothing seemed amiss when I started my trail run. When I got to the King’s Blockhouse I looked down and noticed a small plume of smoke coming from the direction near Rhodes Memorial. I was enjoying the view, thinking it was ok and contemplating going for a further run, and when I looked down five minutes later, I noticed it was spreading very quickly. I started running down because I was afraid for my car, and when I got close to the parking, I heard two explosions. I then saw the flames in front of me, that’s when I knew I was in trouble,” explains Lombard.

She then started running away from the fire to save her life, but soon realised she had no idea which was the safest direction to run in, and quickly used her phone to make a video to share on Twitter to ask for help.

“I luckily got out of the forest and when I got near the road, I was thankful to find policemen and firefighters who confirmed that my car had been destroyed. The severity of the life-threatening situation still didn’t sink in, and I asked if I could go see it. When they told me that the it is out of control, that is when the penny dropped on how dangerous the situation was, and how lucky I had got,” says a shaken Lombard.

On Sunday social media was abuzz with hikers and others saying they had no idea how to get to safety, asking for advice on what to do.

“I wish more people knew what to do if they were caught in a fire. The reality is that I was lucky to get to safety quickly, but I completely underestimated how quickly the fire was spreading, and it was almost too late when I realised how deeply in trouble I was,” says Lombard, who is still coming to terms with the loss of her vehicle.

Uncontrolled fires spread extremely quickly, especially on very hot and dry days. They can happen anytime, anywhere. If you do become trapped in your home, car, or outside during a forest fire, you need to know how you can protect yourself.

Below are top tips on how to keep yourself and your family safe if you are caught in a wildfire.

If you are outside, whether you are hiking or elsewhere, and realise you may be in trouble, cover your nose and mouth with a wet cloth or piece of clothing. If you don’t know which way to run and can’t tell where the fire is coming from, find an area without any bush or vegetation or plants. If you know of a body of water nearby, try get to it so that you can put it between you and the fire. Alternatively find a ditch or a low spot on the ground; keep low by lying face down and covering your body with things like wet clothing, soil, or mud. Call for emergency services and inform your friends and family where you are by sending them a pin location. Consider the impact of the wind in the area that you are in.
If you are home, stay calm, and stick together. Fill all sinks and bathtubs with cold water. Keep your doors and windows closed, but don’t lock them. Move furniture and curtains away from the windows and doors. If you can manage to do it safely, use a hose or sprinkler (or turn on your irrigation system) to wet the walls of your house and the outside grounds. Be mindful of dry flammable plant material around wooden structures and under wooden decks. Also be aware of any flammable items on your property, such as gas. Move as far away from it as possible, or lock the flammable items in a separate room.
If you are in your car, then drive to a place as far away from foliage as possible. Find an open clearing to park in. Close your windows and air vents. Smoke can get in and this is often the first thing that harms or kills people, rather than open flames. Lie on the floor of your car, cover yourself with clothing or a blanket and phone for help. Let your loved ones know where you are by sending a pin location.
Christelle Colman, Old Mutual Insure spokesperson, says that Lombard’s ordeal is disturbing as she has to deal with the emotional trauma of having narrowly escaped a raging fire, as well the realisation that she has lost her car.

However, she says that in life-threatening situations, it is first and foremost important to protect oneself, and that the safety of possessions need to take second preference after life.

“Before going on a hike or leaving your car, check with your insurer if they have an emergency assist service. Some insurers offer 24/7 emergency assistance that allows you to call for help at the click of a button through an app, rather than needing to fiddle and look for a telephone number or contact on your phone.”

She says you simply cannot afford to waste time in a life-threatening situation and should make sure that this service includes all day everyday emergency services on the road or at home, including medical emergencies.

“Wildfires spread quickly, so it’s important to know how to protect yourself and your family. And, remember to protect your home and car to by making sure your insurance is up to date,” concludes Colman. OMI Article.

SANTAM NEWSInsurance companies promise a lot of things. That they’re faster and cheaper than the next guy. Or that they’...
08/06/2021

SANTAM NEWS

Insurance companies promise a lot of things. That they’re faster and cheaper than the next guy. Or that they’ll always be there for you. At Santam, we’ve always said that we do insurance good and proper.
This is the way I want to do business. You can contact me if it is the way you want to do business. I represent all the known Insurance Companies i.e Santam, Old Mutual Insure, Renasa, Auto & General.

Personal Lines, Commercial and Agriculture

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22 Zinyo House, Wellington Business Park, Wellington Road
Durbanville
7550

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