Vinsure Brokers

07/09/2026

📖 Insurance Term of the Week: Excess

An excess is the portion of an insured loss that you are responsible for paying when a claim is settled. The insurer pays the remaining covered amount, subject to the terms and limits of your policy.

Common excess terms include:

• Basic or compulsory excess
The insurer's standard minimum amount for a particular type of claim.

• Voluntary excess
An additional amount you choose to pay towards a claim, often in exchange for a lower premium.

• Additional excess
An extra amount that may apply under specific circumstances, such as when a young or unlisted driver uses a vehicle, or for certain types of losses.

• Fixed excess
A set rand amount payable when you claim.

• Percentage excess
An excess calculated as a percentage of the claim or insured value.

• Excess buy-down
Optional cover purchased at an additional premium to reduce or waive the excess on your policy.

Why do excesses exist?

Excesses allow the policyholder and insurer to share part of the risk. This shared responsibility helps reduce the number of small claims and the associated administrative costs, contributing to insurance that remains sustainable and more affordable for everyone.

Different excesses may apply to different sections of your policy, and more than one excess may apply to a single claim. Always check your policy schedule so that you understand what you may need to pay and avoid unexpected costs at claim stage.

Not sure which excesses apply to your cover? Contact Vinsure Brokers and let us explain them to you.

03/09/2026

🏡 Is your home-based business properly insured?

From beauty treatments and home baking to online shops, professional services and small workshops, more people are choosing to run their businesses from home.

However, household insurance is generally intended for personal use and may limit or exclude business-related risks. Depending on your business and policy, you may need additional cover for:

• Business equipment and stock
• Equipment or stock taken away from your premises
• Theft, fire or accidental damage
• Liability if a client is injured or their property is damaged
• Loss of income following an insured event

It is important to tell your broker that you operate a business from home. This allows them to assess the risk correctly, confirm whether your existing cover is sufficient and ensure that the business use of your premises is accurately recorded on your policy.

Not sure whether your home-based business is properly protected? Contact Vinsure Brokers and let us review your cover with you.

📞 +27 21 001 0760
🌐 www.vinsure.co.za

01/09/2026

What is the Average Clause?

If property covered on a replacement-value basis is insured for less than its full replacement value, it may be underinsured.

Where the average clause applies, the insurer may reduce a claim in proportion to the level of underinsurance.

Simple example:

Your property has a replacement value of R1 million, but the sum insured on your policy is only R500 000. This means it is insured for 50% of its actual replacement value.

If you suffer a loss of R100 000, the average clause may reduce the claim settlement to R50 000, before deduction of any applicable excess.

Regularly reviewing your sums insured can help reduce the risk of underinsurance.

[This is a simplified example provided for general information only. Cover and claim settlements remain subject to the applicable policy wording, limits, terms, conditions, exclusions and the insurer’s assessment.]

27/07/2026

Van die sportvelde en pawiljoene tot kantore, winkels en strate trek die dorp sy kleure aan. Gemeenskappe staan saam en oral waar jy gaan, hoor jy die luide roepstemme.
INTERSKOLE 2026 IS HIER!
Vinsure wens elke span en deelnemer alle sterkte toe. Mag julle met trots speel, elke oomblik geniet en herinneringe maak wat nog lank ná die eindfluitjie sal voortleef.

02/06/2026

Business Insurance

📈 Business owners: Are you prepared for the unexpected?

From property damage to liability claims, unforeseen events can impact your business at any time.

Protect your hard work with insurance solutions tailored to your business needs.

🔹 Liability Coverage
🔹 Property Insurance
🔹 Business Interruption Protection
🔹 Customized Plans

Contact us today to discuss the right coverage for your business.

08/05/2026

⚠️ WEATHER WARNING: HEAVY RAIN EXPECTED ⚠️

Please take note that heavy rainfall is expected this weekend and is forecasted to continue from Monday through Wednesday. Residents are urged to remain cautious and prepared for possible flooding, slippery roads, and dangerous driving conditions.

🌧️ Safety Tips:
• Avoid driving through flooded roads or low-water bridges.
• Keep emergency numbers saved and your cell phone charged.
• Secure outdoor furniture and loose items around your home.
• Ensure gutters and drains are clear to help prevent flooding.
• Stay updated with weather alerts and avoid unnecessary travel during severe conditions.

Please stay safe, look out for one another, and drive carefully during this period. 🙏

08/04/2026

Die belangrikheid van ’n opspoorstelsel 🚨

Motor-kapings in Suid-Afrika bly ’n ernstige probleem – en dit gebeur vinniger as wat mens dink. Statistiek wys dat ’n voertuig binne minute verdwyn… maar met die regte tegnologie kan jy ’n groot verskil maak.

'n Opspoorstelsel kan:
✔ Jou voertuig vinnig help opspoor na ’n kaping
✔ Die kans op suksesvolle herstel drasties verhoog
✔ Jou gemoedsrus gee, elke dag

Baie versekeraars vereis selfs ’n goedgekeurde opspoorstelsel vir sekere voertuie – en dit kan jou premie beïnvloed.

Moenie wag totdat dit te laat is nie. Beskerm jou belegging en jou veiligheid vandag.

Stuur gerus vir ons ’n epos of kontak jou adviseur direk om meer uit te vind oor Tracker Connect se verskeidenheid produkte.

Pryslys:
- Retrieve Plus: R99 / maand
- Recover: R139 / maand
- Protect: R179 / maand
- Care: R199 / maand
- Care Pulse: R229 / maand
en vele meer om van te kies!

08/04/2026

Fuel price increases have led many households to consider storing fuel at home ⛽️🔥

However, this comes with serious safety, legal, and insurance risks. Petrol is a highly flammable substance, and improper storage can significantly increase the risk of fire and potential claim rejection.

Most municipalities also limit the amount of fuel that may be stored at residential properties.

If you are unsure about your cover or compliance, please contact us for guidance ☎️

If fuel must be stored, ensure the following:
• Do not exceed municipal limits (typically 20–25 litres)
• Use only approved, certified containers
• Store in a secure, well-ventilated area
• Never store petrol inside the home
• Keep away from heat, sparks, and open flames
• Clearly label containers as flammable
• Keep out of reach of children

27/03/2026