Insure with Melanie

07/09/2026

Not all in Insurance is the same and neither are all Insurance Brokers.

Your insurance should be personal and so should your broker.
With BaCor FSP , you don’t get passed around a call centre. You deal with a broker who knows you, understands your risks and is accessible when you need advice.
You should feel free to send your broker a WhatsApp when you have a question, need help or simply want clarity on your cover.
Because when something goes wrong, you want to speak to someone who already knows your story.
Choose your cover wisely.
Choose your broker even more wisely.

05/06/2026

Balloon payments are common in vehicle finance because they make a car look more affordable on a monthly basis. The attraction is simple: the buyer can drive a more expensive vehicle while paying a lower monthly instalment. However, from an Insurance Risk Management perspective, the important question is not only: “Can I afford the monthly instalment?” The more important question is: “If this vehicle is stolen or written off, will my insurance settlement be enough to settle the bank?”

Balloon Payments on Motor Vehicles, The Insurance Risk Many Buyers Miss This BaCor FSP article explains how balloon payments on motor vehicles affect

11/05/2026

Many clients feel frustrated when their short-term insurance premium increases at renewal. A common reaction is: “But I did not change my car,” or “My friend drives a cheaper car, so why is my premium higher?” The reality is that insurers do not price only the car or the item insured. They price the risk attached to the client, the asset and the expected cost of future claims. That is why renewal pricing can change even when it feels as if nothing has changed.

https://www.bacor.co.za/2026/05/11/why-your-short-term-insurance-premium-changes-at-renewal/

Why Your Short-Term Insurance Premium Changes at Renewal This BaCor FSP article explains why short-term insurance premiums can change at renewal, why the

15/04/2026

Hybrid or EV.
Your insurance should be as smart as your car.

17/03/2026

When your business lives on the road,
Proper cover is not optional,
It is essential.

05/03/2026

DON’T SETTLE FOR CHEAP, ORDINARY VEHICLE INSURANCE.

Get cover that shows up when it matters most.

- Comprehensive Cover
- Third Party, Fire & Theft Cover
- Private & Business Use
- Tyre & Rim Cover
- Credit Shortfall
- Roadside Assist
- Excess Waiver

10/02/2026

Shopping for cheaper insurance?
Just make sure “cheaper” doesn’t turn into less cover.

We offer a no-pressure Insurance Portfolio Health Check to make sure your cover still matches your life and your risks:

✅ gaps & exclusions
✅ excesses, limits, and hidden exclusions
✅ claims practicality (what will actually pay out)
✅ where you can save without losing protection

📩 Contact us and I’ll help you review your full portfolio.

www.bacor.co.za

16/12/2025

May your festive season be filled with joy and your year ahead with opportunity.
We look forward protecting your risks and supporting your success in 2026.

Mag u feestyd gevul wees met vreugde en die jaar wat voorlê met nuwe geleenthede.
Ons sien daarna uit om u risikos te beskerm en u sukses in 2026 te ondersteun.

04/12/2025

https://maroelamedia.co.za/geldsake/verbruikersake/verbruikersake-fais-ombud-verbruikers-kry-miljoene-terug/

Die FAIS-ombud het die afgelope finansiële jaar ʼn indrukwekkende R31,7 miljoen in verbruikers se beursies teruggesit en 3 543 klagtes van verbruikers opgelos wat nie tevrede was met hul finansiëlediensteverskaffers nie. Ina Opperman het gaan kyk waaroor mense kla.

28/10/2025

https://www.bacor.co.za/2025/10/01/why-you-should-use-a-broker-instead-of-going-direct-to-an-insurer/

I never dreamed I would be a super cool Insurance Analyst — yet here I am!