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25/03/2026

X is for EXCLUSIONS (Business Insurance) ❌

Exclusions are the specific events or situations your policy won’t cover. Common ones include wear and tear, intentional damage, or certain high-risk activities.

💡 Tip: Always read the exclusions section of your policy. Knowing what isn’t covered helps you avoid surprises when you need to claim — for example, an office spill classed as negligence may not be covered at all.

Because the fine print matters just as much as the cover itself.

18/03/2026

W is for WATER DAMAGE 💧

Water damage cover protects your business or personal property from loss caused by things like burst pipes, leaking air conditioners, or overflowing sinks. Small leaks can quietly turn into very big problems if left unattended.

💡 Tip: Act fast when you spot leaks or water issues. What starts as minor damage can quickly escalate, increasing repair costs and complicating a claim. Regular checks and maintenance go a long way in preventing trouble.

Because with water damage, speed and awareness make all the difference.

11/03/2026

V is for VOLUNTARY EXCESS (Business Insurance) 💼💰

A voluntary excess is the amount your business agrees to pay out of pocket when you claim. Choosing a higher excess can lower your premium — but it also means a bigger bill if something goes wrong.

💡 Tip: Consider your cash flow and claim history before selecting a voluntary excess. Lower premiums are great, but only if you can comfortably cover the excess when a claim happens.

Because the smartest cover balances savings and sustainability.

04/03/2026

U is for UNDERINSURANCE (Business Insurance) ⚠️

Underinsurance happens when your business assets are insured for less than their real value. If a claim arises, the payout may fall short — leaving your business to cover the gap.

💡 Tip: Regularly review and update your asset values. When your policy reflects current replacement costs, you avoid underinsurance and protect your business from unexpected financial shortfalls.

Because being partially covered can be just as risky as not being covered at all.

02/03/2026

Warning to SA Drivers: These Cars Are Being Targeted in 2026

Car hijackings are already climbing again in South Africa, following the usual early-year lull. Incidents are expected to rise from March into April as economic activity picks up.

📌 Currently targeted models:
* VW Polo (all variants)
* Hyundai Grand i10
* Nissan Almera
* Toyota Quantum
* Hyundai Venue
* Suzuki Ertiga
* Nissan NP200

These vehicles are popular, easy to resell, and in high demand for parts, making them prime targets for organised crime.

Looking back at 2025, over 50,000 vehicles were stolen, with the Toyota Hilux topping the list, followed by the VW Polo Vivo and Ford Ranger.

If you drive one of these models, tighten up your security. Park smart. Stay alert, check your cover, tracking device, and risk protection. The criminal market moves with demand, and right now, these cars are hot property for all the wrong reasons.

25/02/2026

T is for THEFT COVER (Business Insurance) 🔐🏢

Theft cover protects your business against loss or damage caused by theft, burglary, or even attempted theft. This can include stock, equipment, and other valuable business assets — depending on what your policy specifies.

💡 Tip: Make sure your premises meet security requirements and that all valuable items are correctly listed on your policy. Good documentation and proper security not only protect your business but also make claims far smoother.

Because your business assets deserve more than just a lock on the door.

18/02/2026

S is for SHORT-TERM INSURANCE 🛡️

Short-term insurance protects the things you’ve worked hard for — your vehicle, home, and other valuable assets. It covers loss or damage caused by events like fire, theft, storms, or accidental damage.

💡 Tip: Know what your policy does cover — and just as importantly, what it excludes. Reviewing your short-term insurance regularly ensures your assets stay properly protected and up to date.

Because peace of mind comes from knowing your cover works when life happens.

11/02/2026

R is for RENEWAL 🔄

Renewal isn’t just a formality, it’s your policy’s annual check-in. When you renew, an annual increase is usually applied to keep your cover in line with inflation and help prevent underinsurance.

💡 Tip: At renewal time, review everything. Make sure the increase is up to date, your cover still fits your needs, optional extras are correct, and all named drivers or assets are accurately listed.

Because a policy that reflects today’s values is far more likely to protect you tomorrow.

04/02/2026

Q is for QUOTES 📝

When it comes to insurance quotes, accuracy matters more than most people realise. Details like the correct vehicle, property information, and named drivers directly impact your premium, and the validity of future claims.

💡 Tip: Always double-check the information when requesting a quote. Even small mistakes or omissions can lead to higher premiums or declined claims later. Think of your quote as the foundation for a smooth insurance journey.

Get the details right now, and your cover will work exactly when you need it to.

28/01/2026

P is for PERSONAL ACCIDENT COVER 🏠📱

Life happens. A ball through the TV. A phone slips from your hand. A moment later… damage.
Personal accident cover protects you against sudden, accidental damage to your belongings — and it’s usually an optional extra on your household policy.

💡 Tip: Check exactly what types of accidental damage are covered and whether certain items need specific limits or endorsements. Clarity now means no surprises when you need to claim.

Because accidents are unexpected — your cover shouldn’t be.

21/01/2026

O is for OPTIONAL COVER ➕🛡️

Not everything comes standard. Some policies don’t automatically include cover for things like hail, theft, roadside assistance, or accidental damage, these are often optional extras.

💡 Tip: Review your policy carefully and ask for optional cover on the risks that matter most to you. The right extras now can save you from very unpleasant surprises when it’s time to claim.

Because with insurance, optional doesn’t mean unimportant.

Address

Mogale City
1739

Website

http://www.insure-with-lee-ann.co.za/

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