Traveling this August? Don’t forget your travel insurance!


By now, you must already have sorted out your vacation plans! Wherever, your destination may be, don’t forget to stop by our office to get your travel insurance!

Don’t let a great vacation plan be completely ruined by unfortunate accidents and mishaps. For your peace of mind, get your travel insurance today.

We have various insurance plans designed to cater to your chosen destination. Our plans include the following:

  • Medical expense and hospitalisation abroad
  • Travel of one immediate family member if you are hospitalised abroad for more than five days
  • Emergency return home following the death of a close relative
  • Repatriation of mortal remains
  • Loss of passport and luggage
  • Delays and curtailment
  • 24 hours personal assistance service

You’re also in luck because we have the Great Travel Giveaway promotion running at the moment and you can stand the chance to win a trip to South Africa, among other cool prizes!

For more information on travel insurance, send an email to, call us on 429 5000 or visit any one of our branches.

Building Policy – An insurance for your house


You may still be mulling over whether to insure your house or not. You may be thinking that it is just an additional and unnecessary expense that you have to make. If you truly care about your comfort and stability however, there is no question that your first priority should be to protect one of the most important assets in your life – your house!

Let this extreme weather be a reminder that nature is unforgiving and does not discriminate over your struggles when it decides to hit. Thankfully this is what insurance was designed for – a security blanket against unforeseen circumstances, a protection against financial ruin and an assurance that all is not lost after disaster has struck.

Here is what your building policy can do for you:

  • Provide you with compensation should you suffer damage to or loss of your home
  • Cover the permanent fixtures in your home, including bathroom, fitted wardrobes, kitchens, bricks and mortars etc.
  • Protect you against the risk of flood, tempest, storm, fire, lightening, explosion, burglary, theft, housebreaking, larceny, aircraft and other aerial devices dropped, bursting or overflowing water, vehicle impact, malicious damage and accidental breakage .
  • Indemnify you against injury to third parties inside your home.

It is an easy choice to make. Here is what you should no next:

If you are worried about the cost of the insurance, remember that the annual premium you pay is assessed based on the evaluated worth of your home. Remember, underinsurance can be just as bad as no insurance coverage!

Content insurance for apartments

Many tenants and apartment owners believe that getting a household insurance is not a necessity as the structure of the building does not belong to them. Only if life was ever that simple.

Sadly, fires, floods and thieves do not discriminate on the ownership of the building structure. The contents of the apartment belonging to the tenant or the apartment owner will still be damaged or destroyed in a fire or flood. And thieves are even less likely to try and steal kitchen fixtures!

Undoubtedly therefore, you would need contents insurance to protect your personal items from these unforeseen events. The home content insurance protects high value items in your household.

These include:

  • Electronics such as TV, washing machine, fridge, oven, computer, stereo system etc.
  • Furniture such as sofa sets, beds, dining room furniture, detached wardrobe etc.
  • High value jewellery such as wedding rings, watches, necklaces, earrings etc.

When purchasing a home content insurance, a designated evaluator will help to evaluate the worth of the contents of your home.  The total coverage of your content insurance will be based on the estimated value derived by the evaluator.

It is important to note that the home content insurance does not cover natural wear and tear and accidental breakage of your household contents.

Contact us for more information on the home content insurance.


Tips for exam preparation

No matter which year you are in or the type of studies you have are undertaking, exam period is one of the most stressful time of life. Thankfully, with good exam preparation, you can manage some of the stress of exams.

You cannot be too prepared for exams, so congratulations if you are one of those the few who have been preparing since Day One. For everyone else, the clock is ticking down and a good time to start your exam preparation is at least a month before they are due.

A month before exam

What to do?

  • Revisit concepts you learnt since the term/semester started
  • Understand how to use these concepts and why you need to use them
  • Talk to your teachers/lecturers about topics you have some difficulty grasping
  • Do some research online for additional clarity; video tutorials can help
  • Schedule study time for consistency and habit
  • Purchase or borrow study books with exam-like questions and answers
  • Form study groups and help each other out

Two weeks before exams

What to do?

  • Practice past papers (at least the last 3 years)
  • Identify your topic strengths and focus on them
  • Some questions or formats are always likely to come up, identify the pattern
  • By now you should be studying everyday, with regular breaks in between
  • Your study hours should also be higher than the norm
  • Study to understand, not to memorise
  • Avoid distractions and put an immediate end to your procrastination habits!

One week before exam

What to do?

  • Morning, afternoon or evening person? Find out what times works best for you
  • Hands down, early morning is the best time to study after a good night’s sleep
  • Continue practicing past papers
  • Keep getting wrong answers? Try again until you get it right
  • Unsure about certain topics, ask for help from teachers and classmates
  • Ask your teachers for tips on how to score higher
  • All else fail, memorise! Write down your notes for better results

Exam week

What to do?

  • Do not stress, be calm and tackle your papers one exam at a time
  • Take breaks in between studying, especially before the next exam starts
  • Have two exams on the same day? Study for them on different days
  • Stay focused and concentrate
  • Eat well and get a decent amount of sleep every night

After exam

What to do?

  • Relax and don’t stress, the worse is over. Except for your result… which you cannot do anything about – so just relax and don’t stress.

Make your home a safe space for learning

Most parents hope that their child will excel at school, but many of us may well have been disappointed with end-of-term report cards. Children’s school performance however are often linked and are a product of the home life. Providing children with a stable and safe environment for learning goes a long way in nurturing their academic and emotional intelligence.

While teachers play an in important role in the classroom, parents play an equally vital role at home. Here is what you can do to improve the environment at home:

  • Designate a special study area

Rooms are normally designated for things we consider to be of importance in the house, such as cooking, sleeping and showering. By allocating a study area to your child, you are showing them that studying is also equally important.

  • Respect study time

Most households however are not spacious and may just have enough rooms for all the occupants in the house. By identifying a specific time for study, parents can provide their child with a quiet space in the house to study.

  • Avoid unnecessary disturbance

Once you have agreed on a structured time for studying, it would be rather unhelpful if you or any other person in the house constantly disturbed the child. It might be arguments or talking too loudly, going in and out of the room being used or asking the child to finish a chore they left unfinished. Frequent disturbances in the routine can break their focus, frustrate them and they might give up on studying altogether. Some moments of quiet will enable them to concentrate on their work.

  • Recognise their strengths and weaknesses

All children have certain weaknesses at school. Some perform better in certain subjects than others. Some are more academic and others more creative or sportive. By recognising your child’s strengths, you can help nurture their skills further. Even more importantly, by accepting their weaknesses, you can identify more effective methods of tutoring conducive to your child’s abilities.

  • Give out encouragement and praise

While it may be easy to feel exasperated with their results, encouraging them to perform better might prove to be more useful than a scolding at home.  Encouragement and praise should be given out constantly in order to boost their self-esteem. By being more confident, they might be encouraged to keep trying until they succeed.

In making your home a safer place for learning, you are helping to give your child the best chances in life to succeed.