April 2013
8 posts
MOTORISTS SPEND A FIFTH OF THEIR TIME NOT LOOKING...
While driving, you can be distracted by many factors inside and outside your car. But what are the main distractions?
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What are you looking at?
The alarming extent to which drivers lose concentration has been highlighted by researchers. A UK study revealed that motorists take their eyes off the road for almost a fifth of their time behind the wheel, rising to nearly a quarter if...
How to choose a baby name
Remember that your child will have this name for their whole life, and is your first gift to your child, so make it something special.
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Are you a soon-to-be new parent? Choosing a name for your new baby can be daunting and the cause of many debates. Here are some pointers to help you find the perfect name.
· Consider personal history and traditions. Your family may have...
LIGHTING SAFETY INDOOR SAFETY AND HOW TO PROTECT...
Following on from our previous post of how to stay safe during a lighting storm, we’ve received numerous requests from our Indwe clients on indoor safety and how to keep pets safe during a lighting storm.
The popular slogan “When thunder roars, go indoors!” is true but indoors doesn’t necessarily mean you are completely safe from lighting.
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Indoor Activities - Things To...
DRIVING UNDER THE INFLUENCE OF…MUSIC
If music has charms to sooth the savage beast, then it should have an affect on road rage. Or at a minimum on one’s driving style. A recent experiment in England attempted to demonstrate this connection.
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The study found that different types of music affect your driving style. Specifically, that rock and hip hop are particularly dangerous to drive to.
Music that is noisy, upbeat...
HOLIDAY HOME INSURANCE
How not to let your holiday home dream go up in flames
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Anyone who saw the flames tearing their way through more than 70 houses in St Francis Bay couldn’t fail to be horrified.
Whilst some of the properties were occupied, many of the properties caught in the blaze were holiday homes and unoccupied at the time. For those owners, suffering such a heart-breaking loss could also become a...
THE CONSUMER PROTECTION ACT AND PRODUCT RECALL.
Who is responsible for Product Recalls? The risk of the entire supply chain.
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Faulty Dell laptop batteries, prone to overheating and catching fire, caused Sony to issue a worldwide recall of more than 4 million of them.
A few years ago, Nokia had to recall an astounding 46 million batteries when it was discovered they were faulty and could explode.
Children’s toys are often subject to...
Fun in the sun could end in disaster if your...
MEDIA RELEASE
November 2012
When holidays are upon us, many outdoor activity and tourism businesses gear themselves up for the annual influx of holiday makers. Whether you own a charter fishing boat, are a large adventure company catering for thrill-seekers, or give pony rides at the local nursery - if you don’t have the necessary insurance cover you could land yourself in hot...
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Indwe South African Senior Golf Provincial...
With the tournament set to kick-off this weekend, we would like to wish all the teams taking part in this years tournament the best of luck!
Click here to download a list of all the players and teams taking part this year.
March 2013
3 posts
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Senior Appointments at Indwe Risk Services...
14 March 2013
Indwe Risk Services MD Peter Olyott, today announced two senior appointments in the business which will give impetus to achieving the objectives outlined in the company’s business strategy .
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The Indwe Risk Services business will comprise of two main business streams: Individual & Volume Business and Business & Specialist Insurances . With immediate effect, Joe...
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Indwe Risk Services voted TOP by customers for the...
MEDIA RELEASE
March 2013
For the second year in a row Indwe Risk Services has triumphed over its rivals and won the South African Service Award in the Financial Services Short-term Insurance category.
South African Service Awards are highly prized by their winners and trusted by consumers as, unlike many other industry awards, companies are judged and voted for by their customers, based on the...
Cell phone safety tips for kids, tweens and teens
Most parents aren’t discussing whether their kids will own a cell phone, but rather when their kids will own a cell phone.
When plans change, practice ends early, or you’re running late, a cell phone is a parent’s best friend — but it will only keep your child safe if you set the right rules and talk about risks.
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Try these tips for mobile protection, and make sure...
February 2013
3 posts
Buying your first house? Here is a step-by-step...
Buying a home may be the biggest purchase you ever make and can be a daunting process but there is no reason to feel overwhelmed.
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If you do your homework and educate yourself to make sure that you understand the basics about key issues, your efforts will pay off when you find the right home and successfully finance it with a loan you can afford.
Do some market research and work out...
Do you employ a domestic worker or a nanny? Here...
Domestic workers are an integral part of the South African landscape, providing working moms with a crucial extra pair of extra hands. There are around 900 000 domestic workers in South Africa and a recent survey found that only 48% of households comply with the law governing the employment of domestic workers.
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Domestic work arrangements have been agreed very informally in the...
What to Do When Lightning Strikes
This article could save your life. Share with family, friends and your kids to ensure everyone knows how to stay safe during a lightning storm.
In the light of recent incidents in which adults and school kids have been struck by lightning, here’s what to do and what not to do when lightning strikes.
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Keep an eye on the weather
Outdoors is the most dangerous place to be during a...
January 2013
4 posts
How to extend the life of your stuff
Making our money stretch further is a natural ambition – particularly when it comes to replenishing weekly grocery supplies or having to replace those items that help our lives run smoothly. You will be amazed at how much money you can save just by making some everyday things last longer.
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Get the longest lifespan possible out of some of your goods with these useful tips:
Carpet...
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Top 10 Fuel Saving Tips
There’s not much you can do to influence the cost of fuel, but you can certainly squeeze a bit more distance out of every litre, which can really add up at today’s fuel prices.
Whether you drive a zippy hatchback or a fuel-guzzling SUV, these ten fuel saving tips can help you improve your car’s fuel economy and take some of the sting out of high fuel prices.
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1. Take it slowly
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Heavy rains over eastern and northern parts of...
The South African Weather Service wishes to advise disaster management structures that there is a high likelihood of widespread heavy rains over North West, Gauteng, northern Free State, KwaZuluNatal, Limpopo and Mpumalanga from late Friday 18 January 2013 to Sunday, 20 January 2013.
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These heavy rains will be caused by an intense low pressure moving in from Botswana. As consequence of...
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Shopping around for cheaper home and car...
Find out why cheap doesn’t mean best.
It’s the beginning of a brand new year and after all those holiday and Christmas expenses, not to mention the new school year ahead, you are now feeling the pinch in your wallet.
You’ve probably gone through your bank statements and tried to identify where you can save on expenses. And home and car insurance premiums are probably way up there on your...
December 2012
2 posts
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Christmas Wish List for Burglars
During the December holiday season, there is usually an increase in criminal activities due to home owners being away from their homes for extended periods of time. Before you go off to enjoy your holiday festivities and well-deserved rest, be aware of what burglars have on their “Christmas Wish List” when they break into a home. By taking necessary and calculated precautions, you can make it...
Indwe Risk Services announces appointment of Peter...
Indwe Risk Services recently announced the appointment of its new managing director, Peter Olyott. Having extensive senior management experience in the short term insurance industry, Olyott will lead Indwe into the next phase of the brokerage’s ongoing growth plan. He has been with the business for the past three years heading up the Advisory division, which includes Indwe’s network of 33...
November 2012
4 posts
Top tips: Protect your home while on holiday
Planning a holiday can be fun, but don’t forget to make sure your home is safe from thieves.
The festive season is right around the corner, but before you take off for the holidays, make sure your home is safe when you’re not there. Here are some guidelines to keep your home protected.
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1: Secure the entryways
Make sure you cut the shrubs below window level and trim trees...
Stretch your holiday budget to the max
The holiday season is an all-out assault on your senses. The music, decorations, lights and loud seasonal promotions assail your sensibilities in every mall and in every store. The pace is frantic, the mood is manic, and the atmosphere is, well, different.
The holidays are so set apart from the norm that you may be tempted to break away from your levelheaded habits — for just the season.
...
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What do you do if your house was broken into?
If your house was broken into, you might be unsure about what steps to take to report the crime and to protect your family and possessions. Improving your home’s security can reduce the chance of another break-in and help you feel safer in your home.
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Follow these tips to avoid, prepare for and deal with break-ins:
1) Review your insurance policy. At least once a year AND before...
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Weird insurance policies: Lloyd's of London Bank
Lloyd’s of London, the world-famous insurance association, has insured everything from the first airplane and Hollywood sex symbols to John Glenn as America’s first astronaut.
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Lloyd’s wrote the first burglary insurance policy in 1889 as well as the first policy covering loss of profits resulting from fire, and pioneered in automobile and workman’s compensation...
October 2012
5 posts
MELLETTE AND LAWRENCE PRODUCE A GREAT FINAL DAY AT...
Download the results
The final round of the INDWE SA Senior Amateur Strokeplay Championship ended yesterday at Wingate Park Country Club. After two days of overcast and, at times somewhat windy conditions, the clouds lifted for the sun to finally shine on the nearly 270 players that participated in this prestigious event.
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Both courses, Wingate Park Country Club and Woodhill Country...
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"Shopping lists" for burglars.
Did you know that burglars also have “shopping lists”? Yes, they also realise that they don’t always have a lot of time to spend in your home and as a result they tend to grab the items that are easy to carry and yet have a high value.
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In a recent sample, we found that the list of the 10 most popular items stolen in any burglary are:
Jewellery
Computer equipment, specifically...
Indwe Senior Amateur Strokeplay Championship
Indwe Risk Services is a proud sponsor of the Indwe Senior Amateur Strokeplay Championship taking place from 24 to 26 October.
Good luck to all the players who will be playing at the Wingate Park Country Club and Woodhill Country Club.
If you would like to download the player’s list, please click here: http://bit.ly/TtP9YD
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Home Renovations That Don't Pay
Every homeowner must pay for routine home maintenance, such as replacing worn-out plumbing components or staining the deck, but some choose to make improvements with the intention of increasing the home’s value.
Certain projects, such as adding a well thought-out family room, or other functional space, can be wise investments, as they do add to the value of the home. Other projects,...
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Increase your home value with these maintenance...
Don’t let your most valuable asset lose its potential. Maintaining your home more than pays for itself by increasing your property value. Plus, you’ll reduce the chances of headaches from unplanned and expensive repairs.
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Get the Professionals to Handle the Big Jobs
It’s wise to hire contractors for specialised projects such as remodeling bathrooms, installing granite-top...
September 2012
5 posts
1 tag
What the color of your car says about you?
The car we drive says a lot about us – we might not realise it, but our cars are often very good indicators of our personality. Granted, not everyone can be overly selective in their choice these days, but even on a limited budget there is always a car we would never dream of driving – and a car we would love to.
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Your car might just give away more about your personality than you...
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Child-proofing your car.
It’s common knowledge that road rage, chatting on your cellphone and driving while distracted or fatigued are not smart driving practices for anyone. However, once a driver becomes a parent, there is more to keeping the family safe in the car than just standard good driving habits. A vehicle can be a dangerous place for children and not only when an accident occurs.
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Car Seat...
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Your car insurance might not cover your car...
So you’ve locked your car and walked away, assured that your car is covered by insurance should it get stolen. But do you know if the same cover applies to the contents inside your car? All Risks insurance protects you against loss, damage or theft of personal possessions left in your car, or in a trailer or roof box attached to your car.
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It is easy to underestimate the value of the...
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Spring maintenance tips for your home
Now that spring has sprung, take some time to give your home a check-up along with its annual spring-clean. Adding this home maintenance checklist to your routine will help you prepare your home for the warmer months ahead and keep it in top shape.
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Inside the house:
Check that your electrical box is in working order and that you’re protected from power surges.
Inspect your ceilings...
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How do I prove ownership if my house is broken...
We often get asked about a typical scenario involving the policyholder’s home getting broken into and he/she not being in possession of sales receipts for some of the stolen items. In this scenario, what will the insurance company accept as proof of ownership?
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Proving ownership of an item is not always just purely a matter of proving that you owned something. In fact, certain valuable...
August 2012
4 posts
Your Lifestyle Benefits Program
Indwe Risk Services strives to create a positive difference to our valued clients by providing real value and peace-of-mind when it comes to our products and offerings. Through initiative, integrity and passion we have been able to offer new innovations that have continuously kept us at the forefront in our field. This is why we believe that it is important to offer our valued clients the best...
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Not renewing your car license could cost you...
You must renew your motor vehicle licence every year before it expires. If you fail to renew your licence, you will not only be liable to pay late licencing penalties and arrears, but it could delay or negatively impact the settlement of a collision claim.
You get a 21-day grace period if you have not renewed the expired motor vehicle licence. The grace period is calculated from the expiry date...
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My handbag was stolen, now what?
It happens every day. Now it’s happened to you. Your handbag has been stolen and you’ve lost your driver’s licence, credit cards, ATM card, ID document, library card and the pictures of your kids. And to cap it all, you’re worried about identity theft. What do you do?
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Contact your bank immediately. An ATM and debit card often has a VISA or MasterCard logo, so...
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How to talk to a lawyer
When we approach a lawyer, it’s very often in emotional circumstances. This situation can magnify when we feel our emotions and feelings are not being considered. Approaching a lawyer with a clear head however will help you give the right information so that you can get the best possible advice in return.
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Here are some guidelines to keep in mind when you talk to a lawyer:
Keep in...
July 2012
5 posts
1 tag
Having an Insurance Broker simply makes sense.
Whether you’re looking for basic car insurance or extensive commercial insurance for your business, you need to make sure that you find the right cover for you, insurance that will keep you protected when you need it.
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There are a number of ways to find insurance cover, but how do you go about getting an insurance solution that’s right for you? Your first step is to find an...
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When drinking and driving could cost you more than...
Despite the horrific costs of impaired driving – measured in lives lost, injuries sustained and damage to property – the practice still continues. Many drivers don’t realise however that they lose important insurance protection if they are convicted of a drinking and driving offence, and the financial consequences can be considerable.
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Did you know, for example, that an insurance...
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Road Rage: The Growing Monster
It’s affecting drivers around the globe and claims hundreds of lives every year. It’s called road rage, and with reported incidents on the increase, it is a major threat to safe driving in South Africa.
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Road rage is angry or aggressive behaviour by a driver of a vehicle and may include rude gestures, verbal insults, deliberately driving in an unsafe or threatening manner, or...
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Ensure you minimise the damage, should your house...
Ever had the experience where there is water leaking out of your ceiling and you have no idea where it’s coming from? Or your house is being flooded and you are frantically looking for the number of a plumber that you were sure was under the telephone directory, somewhere.
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Your home insurance provider should be the first call you make when you have such an emergency, says Joe Szemerei...
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Stay cosy this winter while still saving on energy
Heaters are in demand when the temperatures drop. Unfortunately they burn a lot of energy at a steady rate. To keep tabs on your winter electricity bills, there are several things to bear in mind about heating.
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Electric heaters that are controlled by thermostats are more efficient, although oil-filled heaters are among the safest.
Electric blankets are the cheapest way of staying...
June 2012
5 posts
1 tag
Why do insurance claims often lead to...
Unfortunately, some vehicle owners (after being involved in an accident), occasionally get the very unpleasant news that their insurance claims will not get paid because they had a third party drive their cars at the time of an accident. It’s also the last thing you want to hear after going through something traumatic. On top of that, in today’s economic climate, it’s surely a scenario that...
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Pick the right heater for your home.
Staying indoors is a pleasure when your home is cozy and warm. Winter brings up visions of being snuggled up under warm blankets, sipping on a cup of hot chocolate while watching the kids play board games or build puzzles.
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Ensure your ‘nest’ is warm this winter, by selecting the right heater for your home and your needs.
As far as increased comfort, cost and power usage goes, the...
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The unique advantages of being 50-plus
There is a humorous email circulating at the moment that looks at the pros of being 50-plus. Some of the advantages include: no-one expecting you to run into a burning building, people no longer viewing you as a hypochondriac, family and friends calling you at 9pm and asking whether they woke you up, the fantastic fact that there’s nothing left to learn ‘the hard way’, anything you buy now won’t...
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Our Lifestyle Benefits →
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Ensure your home is ‘winter-safe’
Winter is the time when people often enjoy their homes the most. You are by now probably unpacking the electric blankets and stocking up on firewood. But before you snuggle back under the covers, prepare your home for winter to ensure that your family is comfortable and that you avoid any unnecessary expenses.
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Check for fire hazards.
Check all your electrical cords, plugs and outlets...
May 2012
5 posts
1 tag
Avoid unpleasant surprises when things go wrong
If you’ve ever had a car accident or a burglary, you will know how stressful these incidents can be. The fact is, things go wrong, no matter how careful you are. Unfortunately when they do, you need money to meet your costs and avoid chaos. Insurance is about managing risk and without it, you are taking the risk of meeting those costs yourself. Rather ensure you are adequately covered to...
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People collect weird and wonderful things.
The world’s biggest Scalextric collection: In late 2008, a man sold the world’s biggest collection of Scalextric models: a set of more than 1,000 cars, two-and-a-half miles of racetrack and countless accessories. The collection includes a rare blue Bugatti Type 59 and a yellow Ferrari Berlinetta GT250 and other 1,000 Scalextric models. The owner acquired his first Scalextric in 1957, when...
