ROAX Broker Group PTY Ltd

ROAX Broker Group PTY Ltd ROAX specialises in Short Term insurance for Personal and Commercial and pride ourselves on building

01/05/2026

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Avoiding geyser claim issuesA burst geyser is one of the most common – and costly – household insurance claims. From wat...
29/04/2026

Avoiding geyser claim issues

A burst geyser is one of the most common – and costly – household insurance claims. From water damage to ruined ceilings, walls, carpets and high-value personal belongings, the aftermath can be extensive, and expensive. With the cooler months approaching, your geyser is subject to increased risk, as proven by the annual spike in geyser-related claims during winter. It’s important to understand that not all geyser claims are straightforward; take note of these avoidable issues that could result in delays and other headaches.

Why is winter a high-risk time?

Contraction and expansion of the geyser tank and its parts occurs when hot water exits the geyser and is replaced by cold water. In winter, the temperature difference between the cold water entering the geyser and the hot water leaving the geyser is higher than in summer, increasing the rate of expansion and contraction, which can lead to metal fatigue and possible failure. Also, the geyser has to work harder to warm water during colder months, which can add stress to the system.

To ensure that your cover protects you, take note. Here are three key pitfalls to avoid:

Non-compliant installations can void warranties

Not all geysers are created – or installed – equally. If your geyser has been installed in a way that does not comply with South African plumbing regulations or manufacturer specifications, you could run into serious trouble if something goes wrong.

Common issues include:

Incorrect pressure valve installation;
Missing drip trays or overflow pipes;
Poorly fitted or incompatible components;
Work carried out by unqualified installers.
In these cases, the manufacturer may decline the warranty claim outright. If the failure is linked to the faulty installation, your insurer may also limit or reject the claim.

Replacing a geyser too quickly can backfire

When a geyser bursts, the instinct is to act fast – understandably so. However, replacing the unit before the manufacturer (or their assessor) has had an opportunity to inspect it can create complications. Why this matters:

Manufacturers often require an inspection to determine whether the failure is covered under the manufacturer’s warranty;
If the geyser is removed and discarded too soon, critical evidence is lost;
Without this inspection, warranty claims may be declined – leaving the policyholder to carry the cost.
The result? Delays, disputes, and unnecessary financial exposure.

Use Safire Assist to streamline the process

In stressful situations like a burst geyser, having the right support makes all the difference. This is where Safire Assist plays a crucial role.

Safire Assist offers policyholders:

Access to vetted, qualified service providers;
Assistance with emergency response and damage control;
Guidance on compliant replacements;
Help with inspections and the documentation required for warranty and insurance claims.
Using a trusted service like Safire Assist helps ensure that:

Installations meet the required standards;
The correct processes are followed before replacement;
Claims are handled efficiently and with minimal risk of rejection.
Final thought

A burst geyser may be sudden, but the way you respond can make all the difference. Ensuring compliant installation, allowing proper inspection before replacement, and using trusted support services such as Safire Assist can help protect both your warranty and your insurance claim.

Please note: The information contained in this article is not offered as ‘advice’ in terms of the Financial Advisory and Intermediary Services Act 2002 as amended, and policyholders should consult with their intermediaries and the policy wording to ensure a full and complete understanding of the cover offered to them in terms of the Safire policy of insurance.

South Africans must think twice before storing petrol at home South Africans have been hit with massive fuel price incre...
16/04/2026

South Africans must think twice before storing petrol at home

South Africans have been hit with massive fuel price increases, but motorists have been warned about the dangers of storing the highly flammable liquid at home.
South African motorists were hit by R3 per litre on petrol and R7 per litre on diesel, despite the government cutting the general fuel levy by R3 per litre.
Early data points to massive increases in May, with the war in Iran driving a global rise in oil prices, and the end of the conflict hard to predict.
With the April increases, motorists across the country began refilling ahead of the increases, leading to shortages nationwide. However, there are risks for those who store fuel at home.
The South African Insurance Association (SAIA) said that storing petrol at home can have serious safety, environmental, and insurance risks.
It said that petrol is classified as a hazardous substance under occupational and fire safety legislation, with the serious risk of fire or explosion.
Besides fire risk, petrol vapours pose health hazards, and spills can contaminate soil and water sources, causing significant environmental damage.
SAIA said that municipal by-laws limit how much fuel you store, with regulations on petrol storage at residential properties enforced locally by municipalities.
Most municipalities allow only 20 to 25 litres of fuel in approved containers to be stored at a time, with this fuel used for common tools like lawn mowers or for limited emergency purposes.
Storing more fuel than the above local limits constitutes a breach of fire safety regulations and hazardous substances legislation.
Petrol bought at service stations must be transported in strict accordance with the National Road Traffic Act and SANS 10231 standards.
“Only approved and certified containers, such as metal jerry cans or those marked UN, ASTM, or AS, may be used. Failing to comply with these requirements may result in legal action by law enforcement,” it said.
Non-compliance can void your claim

Insurers do not cover losses arising from illegal or non-compliant activities, with large quantities of fuel on a residential property potentially:
• Significantly raising the fire risk:
• Accelerating the spread and intensity of a fire; and
• Being considered contributory negligence in the event of a claim.
Even if the fire starts in another part of the home, the presence of petrol can increase the risk of damage and lead to a claim being rejected.
SAIA said that consumers should contact their insurers for more information and to review their insurance policies.
If small quantities are needed, SAIA said that consumers should follow municipal rules and the below safety procedures:
• Store fuel in a secure, well-ventilated area;
• Never store petrol inside the house or in living areas;
• Use only certified storage containers;
• Keep fuel away from heat, sparks, electrical equipment, or open flames;
• Label containers clearly with the fuel type and “Flammable” warnings;
• Ensure no smoking near storage or dispensing areas;
• Keep a fire extinguisher close by;
• Use proper equipment to prevent static discharge during transfers;
• Keep a spill response kit on hand;
• Use bunded areas or drip trays to contain leaks;
• Never start a siphon with your mouth—use a pump or hose;
• Avoid using mobile phones while refuelling; and
• Keep fuel out of reach of children and uninformed people.
However, given the potential risks to homeowners, SAIA said that petrol should not be stored at one’s premises.

10/04/2026
https://www.youtube.com/watch?v=Q6QBdVUe1Dg
23/03/2026

https://www.youtube.com/watch?v=Q6QBdVUe1Dg

Confused about "perils" and "hazards"? Most people use these terms interchangeably, but in insurance, mixing them up is a costly mistake. This video finally ...

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