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Varsity valuables: Keeping your child covered


By: Nthabiseng Moloi, MiWay Head of Marketing & Brand

Sending your child off to university can be an extremely challenging experience. Not only do you need to source appropriate housing, ensure their safety and allow room in your budget for unforeseen expenses, but you will also need to deal with all the ensuing stress that comes as a result of any relocation.

While your basic to-do list might already be lengthy, it is also important to remember the importance of insurance for your university-bound child. After all, given the ever-increasing costs of tuition, housing and basic goods, many parents simply do not have the luxury of being able to replace vehicles, laptops and other expensive essentials should their children fall victim to accidents or theft.

As such, it is vital that you have the right cover in place before your child sets off for their first semester of 2019. Here are a few essential things you might want to consider:

Buying a car

Before establishing which types of insurance you are likely to need, it is important to decide whether or not your child’s location requires a vehicle. While some universities offer public transport facilities and easy passage between campuses, others require a little more in the way of a commute. It might be worth equipping your child with a car to afford them greater mobility.

Varsity Valuables Insured with Miway

When considering which car to buy, you will want to take into account the more obvious factors like cost, security and re-sale value, but it is also vital that you factor in the insurability of the vehicle you are purchasing. Given the fact that secure parking is at a minimum at most campuses, it is important that you invest in a vehicle with ample security features such as central locking. Should you be unable to afford this type of car, or intend to provide them with a vehicle you already own, you will want to invest in a gear or wheel lock to prevent the likelihood of theft.

Car Insurance

Once you have established what type of vehicle your child will be driving, it is time to pick the appropriate type of cover for said car. Firstly, you will need to decide whether the car should be insured in their name, or whether to add it to your existing policy. The latter is often the savvier choice, given that consolidating your insurance under one policy tends to be significantly cheaper.

No matter how you decide to insure the vehicle, it is vital that you list the student as the car’s regular driver, if they are indeed the regular driver. Should you fail to do this, any claims filed as a result of an accident with them behind the wheel are likely to be rejected.

Additionally, doing so helps to build the personal risk profile of the student, thus enabling them to be better equipped to take out their own private insurance at a later stage.

Home Contents Insurance

Between laptops, iPads, text books and sporting equipment, many students arrive for their opening semester loaded with valuables, many of which would be extremely expensive to replace. Given the fact that many of these items are regularly transported between classes, it is important that you double down on the fine print of their home contents insurance.

It is important that you clarify your varsity-going child’s risk profile to your insurer. This will depend on numerous factors, including whether your child is staying at home or in a shared digs, whether or not they have secure parking and how they intend to use their valuables.

If you have already specified their valuables under an existing policy, you will need to check whether this covers them being housed elsewhere, or whether you will need to take out a separate policy in light of their relocation.

Varsity Valuables

Additionally, it is important to consider the importance of All Risks Insurance, given the likelihood that valuables like laptops and sporting equipment are unlikely to remain within a single property throughout your child’s varsity stint. This type of insurance – unlike Home Contents Insurance – makes provision for mobility, ensuring cover for portable valuables that are likelier to be stolen.

University can be a costly undertaking as is, so in order to prevent any unnecessary additional expenses, it is vital that you chat to your insurance company in advance in order to get the best advice ahead of the big move.

MiWay is a licensed Short-term Insurer and Financial Services Provider (Licence no: 33970).

Get a quote on this page now. Complete and submit the form.

8 top tips to get you through the festive season – King Price

It’s the most wonderful time of the year. Yes, it’s South Africa’s annual shutdown (except for retailers, restaurateurs, emergency services and insurers that really care about their clients..) But just because it’s called the silly season doesn’t mean we have to start taking silly pills when it comes to our personal safety, and that of our families.

Courtesy of insurer King Price, here are 8 top tips to make the most of the holidays, and get through them unscathed.

Tips if you’re heading for the hills (or the beaches)…

  1. Keep the home fires burning. Or, at least, install a timer to put some lights on every now and again, so that it looks like someone’s home. Or get a house sitter. Just to be sure, check that your buildings and home contents insurance is on point. You may be thankful later.
  2. Batten down the hatches. Put your geyser and appliances into hibernation. Make sure your security system is working 100%. Think layers of security: electric fence, beams, outside lighting, burglar bars. And if you’re tech-savvy, you can even keep an eye on things through web-linked cameras that let you know the moment someone moves.
  3. Easy on the selfie game, tiger. We know your colleagues and family can’t wait to see a picture of your feet on the beach. Just make sure your settings aren’t public, or you may as well put a banner outside your house that says: WE’RE NOT HERE!
  4. Make sure the royal chariot is in tip-top condition. Tyres, fluids, brakes, service… you know the drill. Nothing puts a damper on a holiday faster than sitting on the side of the road waiting for a breakdown truck while your buddies are lounging on the beach with a cold one. And that goes for the caravan and the Ventertjie too, bokkie. Remember: an unroadworthy vehicle will invalidate any insurance claims if something goes wrong. Don’t do it.

Tips if you’ll be home for Christmas…

  1. Stay safe out there. When you’re out shopping and carousing, stay alert. Update your portable possessions cover, and even then still be careful with your valuables in public. Don’t carry your wallet in your back pocket. Don’t leave your Christmas shopping on the back seat. Check your car door. The only jamming we want to be doing this Christmas is mince pies into our faces.
  2. Use your home security like it’s January-November. Just because it’s the festive season doesn’t mean the baddies go on holiday. In fact, this is prime time for criminals as people relax and let down their guard after a long year. Set the alarm. Don’t let your guests park on the pavement. Common sense, people.
  3. Don’t drink and drive. Thanks, Captain Obvious, I hear you say. A quick look at drunk-driving stats every December shows that it’s advice worth repeating. The king’s cab is your friend. Or Designated Dave.
  4. Do something for others. The real meaning of Christmas is not the bling under the tree. It’s about spending time with family and loved ones. It’s about doing something for those who have less than us. Give someone a gift. Help out at a feeding scheme. Pack a shoebox for needy kids. It’s about #MakingADifference, which means giving, not receiving.


If you haven’t heard of us, where have you been? For 6 years we’ve been doing insurance differently… We’re the only insurer in South Africa (and as far as we know, in the world) to offer premiums that decrease monthly. We’ll also insure some of your favourite things for just R1. (It sounds crazy, but that’s us.) Personal, business or specialised risks… You own it, we’ll cover it. Comprehensively, cleverly and cost-effectively.

Some people call us ‘the king of insurance’ and it’s a crown we wear proudly:

  • Global Brands Awards 2018: Most Innovative Insurance Brand in South Africa (Winner).
  • Pendoring Award 2018: Film (Silver).
  • Credit & Risk Reporting Association 2017: Best Quality Data in the Insurance Sector (Winner).
  • Loeries Award 2016: Branded Content in the Print Communication Category (Silver).
  • The Star Readers’ Choice Awards 2016: Best Short-term Insurance Company (Second place).
  • The Star Readers’ Choice Awards 2015: Best Short-term Insurance Company (Second place).
  • Accenture SA Innovation Awards 2016: Corporate Innovation (Finalist).
  • Accenture SA Innovation Awards 2015: Corporate Innovation (Finalist).
  • SA Service Awards (2013): Best Short-term Insurer (Winner).
  • SA Service Awards (2013): Best Overall Newcomer (Winner).
  • And… According to our staff, we’re the best company to work for in SA. And they’re the voters that matter most!

Apply for online home insurance quote on this page. Use the short form now!


Load shedding and your insurance

Just when you thought there was light at the end of the tunnel, Eskom has warned that load shedding is back. This is bad news for South Africans, because not only does load shedding impede on our daily lives; it can also damage our electronic equipment, resulting in unfortunate insurance claims. This article tackles load shedding and your insurance.

Load Shedding and Your Insurance – Consumers at risk

Consumers are at a higher risk from load shedding and may suffer damage to equipment brought on by power surges or loss of goods because of theft or burglary during blackouts.

Therefore, consumers need to be proactive. They should speak to their broker or insurer to ensure they have adequate covered for the risks affecting them.

Load Shedding and Your InsuranceChristelle Colman, is the Executive for High-Net-Worth Solutions at Old Mutual Insure.She urges consumers to ensure they are adequately covered. They should make sure their policy includes specific risks that are unique to load shedding.

“In the case of load shedding, for example, the battery of the alarm system plays a major role. Policyholders should ensure that their alarm system batteries are tested regularly to ensure maximum protection. Also, load shedding can dramatically reduce the lifespan of an alarm battery. So should if the battery is older than one year, consumers should either replace or check the battery.”

Load Shedding and Your Insurance – Necessary Precautions

When consumers are underinsured for certain load shedding risks and have not taken the necessary safety precautions, it could lead to further frustration when an insurance company is unable to settle a claim.

“When the load shedding period ends and electricity has returned, in most cases a power surge occurs due to a boost in the electrical charge in the power lines, increasing the current flow of electricity to the wall outlet. As a result, appliances and other electronic devices in households might short-circuit or malfunction.  It is also important to note that these power surges can lead to electrical fires, with the entire house at risk of burning down.  We saw a number of home fires during the previous period of sustained loadshedding,” adds Colman.

Load Shedding and Your Insurance – Helpful Tips

She provides the following helpful tips that South Africans should follow to protect their electronics during load shedding:

  • Unplug appliances that are not in use;
  • Install surge protectors to prevent power surge damage;
  • Keep refrigerator and freezer doors closed to keep frozen food safe from spoilage;
  • Test your alarm system and back up battery regularly:
  • Ensure that electric fencing and gates still work during a blackout;
  • Request more regular patrols and checks from your security company;
  • Be vigilant when driving at night in unknown areas, as it can be difficult to see where traffic lights are when the lights are down and this can lead to severe motor vehicle accidents;
  • Keep your phone battery charged at all times and have your home and roadside emergency numbers handy to ensure quick access to emergency services need be.

Load shedding is a reality that may affect us for the foreseeable future. Therefore, ensure that you are adequately covered for all the risks and are taking the right steps to safeguard your household.

Complete and submit the form on this page to get a home insurance quote


Keep in touch with cell phone insurance from Vodacom.

Vodacom cell phone insurance is vital especially when you’ve brought your new R15 000 (or more) cell phone home with its amazing features.,

You know that if this “must-have” gadget goes missing, there is absolutely no way that you can ever replace it.

Vodacom cell Phone insurance Protects you Against fate

Without cell phone insurance, you’ll always feel nervous with such an expensive phone on you. What happens if you drop it, lose it or someone steals it? For a small fee each month, you have protection against all of that.

The low cost of Vodacom cell Phone insurance Makes insuring Easy

With Vodacom cellphone Insurance covering you against loss, theft or damage for a mere R19 per month, its seems madness  not to have insurance. Vodacom is a leading African communications company providing a wide range of services.

Vodacom cell phone insuranceVodacom offers Cellphone, laptop and table insurance

Some aspects to note with their insurance –

  • Stolen or lost cellphones replaced within 48 hours through their nationwide network.
  • Choose to insure your mobile device comprehensively or just for damage.
  • Easy claims process, everything done online.

Some of Vodacom’s insurance products –

  • Comprehensive Insurance – Covers water damage, theft, loss and accidental damage. For just R19 a month you also get worldwide cover.
  • Accidental Damage – Water damage and accidental damage. Worldwide cover for just R19 a month.
  • Specified Insured Extras – Loss, theft, water damage for R75. For those with comprehensive insurance. Only accessories stocked by Vodacom insured.

Damaged phones Invite more Trouble and Costs

Vodacom knows that without cover, repairing and replacing a phone might be impossible for most people. For instance, screen cracks as well as a shattered screen cost a small fortune as does investing in a new battery.

A cellphone with a shattered screen invites more damage, because the phone becomes less water resistant. Get peace of mind for R19 a month and have a new lease on life.

Your monthly bill includes your premium (for contract and top up customers). Remember that only cellphones less than 30 days old can be insured.

Get a Vodacom cell Phone insurance quote

Get a quote by calling  011 844 2800 or send an email to You may not always have the option to get your phone fixed if it breaks.

Unexpected emergencies Covered

There are many people who believe that cell phone insurance is a waste of money. They never drop their phones or lose them. But, there are also people who spend a lot of money on an expensive phone, only to have it stolen a few days later.

If you had to pay R400 a month for insurance, one could understand trying to get by without insurance. But cellphone insurance from Vodacom for just R19 a month   come on!

Compare cell phone insurance deals right here!

Compare cell phone Insurance and get the best deal. Remember, we live in a crime-ridden country and cell phones are not immune from theft.

Cell phones cost a small fortune. And not many people can find another R2 000 to R20 000 to replace the phone they’ve just had stolen. Stay ‘connected’ with cell phone insurance.

Compare cell phone Insurance – But it Takes time and ‘legwork’ to Do this?

You can find many excellent cell phone insurance deals out there, but by the time you’ve looked at just a few, frustration and confusion sets in as to which to choose. That’s where can help. They take the ‘work’ out of legwork.

Compare cell phone Insurance – Hippo do All the Comparing for You

Hippo not only gets quotes for you, they also :

  • Give useful information on how insurance works
  • Advise you on the different types of cover
  • Tell you how much the insurance costs
  • Show you how prices compare
  • Give tips on how to reduce insurance costs
  • Compare and present you with the best insurance deals on offer

Compare cell phone InsuranceMany people, through lack of time to research prices, tend to pay a lot more on insurance just to be done with it. You can trust Hippo to compare and come up with insurance quotes that you can afford and meet your needs.

Who is  Hippo to Compare cell Phone Insurance?

Launched in 2007 they became the best known comparison website

  • Hippo work hand in hand with a number of partners which include some leading insurance, and finance firms.
  • Partners are carefully chosen to ensure their clients get the best deals.
  • You don’t have to call or drive around to find the cheapest quote.
  • Save time, money and inconvenience.
  • They put the best provider in touch with you.
  • You save hundreds of Rands each month by making use of new technology.
  • Hippo’s web service is managed and run by leading web developers to ensure competitive quotes
  • Free to use
  • All you do is complete the quote form and wait for results.

Hippo remains Totally unbiased

They are totally unbiased and don’t favour any particular provider. Hippo simply match you with the best one according to the information you provide.

Paying for a phone on contract that’s stolen, means paying for a phone you don’t have. Now you’ve got to pay off your new phone too. This can be a massive financial setback and you need to get quotes quickly.

You may Suffer financial Loss while Looking for Your own Quotes

Take note of what Hippo can present you with, because with quick, cheap cell phone insurance, you needn’t have to deal with financial loss.

Hippo simply allows you to compare quotes from many different insurers quickly. You’re free to compare according to price as well as what the product covers and excludes.

King Price delivers on it’s promise of insurance for everyone.

Most of us know about King Price Household Insurance. And as the people at King Price will tell you, if you upended your house, anything that fell out they would insure.

And they do mean everything. From the bed sheets to your slippers, and all the expensive electronic devices you own.

King Price household Insurance – What Do they cover?

The cover extends to all who live in the same house as you. You can claim on anything stolen, or damaged.

Also insured are items you take out of your home such as your watch, laptop, phone etc. But you need to specify the items when taking out a policy.

King Price also needs a valuation certificate for any jewellery worth over R15 000. List any Item worth more than R35 000 one at a time on the policy. And keep them in a secure safe when not in use.

King PriceKing Price household Insurance household Insurance – What don’t They cover?

  • Contact lenses
  • Bikes
  • Hearing aids
  • Cellphones
  • Prescription glasses

As they are not covered under your standard contents cover, insure these items separately by specifying them. However, this will increase your premium. The good news is that if you also insure your car through them, you can get these items covered for only R1 a month.

King Price household Insurance – getting Enough Insurance

Do you know what the contents of your house are worth? Walk through each room, make a list of everything and total up the prices of everything that you bought. That’s a good estimate of the value, isn’t it?

Actually it’s not! Most people list the price they paid. Try and buy the same TV at the price you paid for it three years ago. You need to base the amount on the replacement value.

This is a major mistake many of us make. We guess at how much insurance we need without doing any research. Then we get upset when the pay out is a lot less than we need to get things back to the way they should be.

Protect yourself

You can protect yourself against being under insured by following our advice. It is also a good idea to go through the same exercise once a year and update your cover if it proves necessary.

Being properly insured is important because losing items that you own can be inconvenient at best, and traumatic at worst. Choosing the right insurer means that you have less stress and worry to handle going forward.

As a homeowner you need Building Insurance from Outsurance.

Outsurance Building Insurance is vital. Even if you own your own home and you do everything  to take care of it.

You never leave the stove on and never had a problem with burst pipes. So, what’s the point in getting insurance on the house or buildings?

After all, if something does happen, repairs won’t cost that much, anyway.

Outsurance Building Insurance – Why building Insurance is Vital

Don’t make the mistake of being under insured. A lot of people do. What happens if your home burns down? What if the land under the building slips?

A burst geyser can damage the walls, carpets, furniture etc. You might require the use of special equipment to dry it all out. And, what if a storm blows your roof off? That’s what building insurance is all about.

Outsurance Building Insurance What Does Outsurance Building Insurance Offer?

Outsurance offers protection against damage or loss that is a result of natural disaster, explosion, subsidence, and fire.

An Outsurance policy covers the structure of the house, fixtures, fittings etc, They arrange for you to stay elsewhere.should you be unable to live in your house,

Why Choose Outsurance?

You want the best possible service. Outsurance has been an industry-leader and trusted household name for many years now.

They offer affordable cover and a range of benefits that do more than just increase the cost. They pride themselves in quick and efficient handling of claims. Their service is what has seen them voted in as the favourite short-term insurer around.

What Outsurance Will Not Cover

They will not cover damages relating to normal wear and tear. Depending on the level of excess you chose, smaller claims might be for your account.

For example, if your excess is R500 and you want to replace a cracked window, the cost would be less than the excess. So it would be for your account.

Which is a good thing because it reduces your overall monthly premium. You could ask for the excesses to be removed but this would increase your premiums by a fair amount.

Discovery Household Insurance for South Africans.

Discovery Household Insurance has made a name for itself in the industry by offering products that are leading edge and with benefits that add true value.

Discovery Household Insurance – Home Contents

The benefit of this cover include not having to pay an excess due to a break in or damage from bad weather. If needed, you get accommodation and also security in emergencies.

The firm arranges for a locksmith, electrician or plumber and also covers you for damage related to power surges. Accidental damage includes windows and TV..

In addition, Discovery offers a secure Online Vault to protect important documents like valuation certificates, ownership papers, etc. All risks cover included.

Discovery Household Insurance – Additional benefits:

  • Discovery Household InsuranceCover for accidental damage.
  • Cover for when your home is unoccupied for longer than sixty days.
  • Flexible excesses to help you manage your premiums.
  • Cover for goods left out in the open. Garden furniture etc,
  • Garden damage –  uprooted trees, or a storm damaged irrigation system.
  • Additional items  include water pumps and pool filters,
  • Wear and tear for plumbing and geyser. Choose to add any water heating item including pipes.
  • Add this cover for properties you rent out.

Claims on the Fast Track

Specified electronic devices replaced in two days on claim approval.

Theft from a Vehicle

This is different to standard contents or all risks cover. Even if there is no evidence of forced entry or if you forget to lock your car the policy pays.

Safe Deposit items

Cover includes valuable items in a safe deposit box with your bank and removal of the items.

Jewellery repair and/or Replacement

You choose the dealer to replace or repair the items.

Personal Effects

Cover for local or overseas theft of your personal items. Includes laptops, phone, etc. Whether you insure your home, or personal items, make sure you work out the value correctly. Avoid being under insured.

Santam Short-Term Personal Insurance

What does short-term insurance cover? In this post, we will have a look at Santam short-term products to see what you can expect from short-term cover.

Santam Short-Term Building Insurance

When it comes to your home, you don’t want to take any unnecessary risks. You take pride in your home and ensure that it is presented beautifully. You keep it clean and tidy and secure it against burglary.

But what happens when something goes wrong? What if your geyser bursts or your home is damaged in a storm? That’s where building insurance comes in.

Santam Short-TermBuilding insurance covers the structure of your home and other permanent structures on your property. So, if, for example, land subsidence causes your pool to crack, you are covered.

What makes Santam different is their vast experience in the industry – they have been around for almost a century. They also cover the replacement value of your home, not just the market value.

Santam Short-Term – Personal Legal Liability

They also cover you for personal legal liability. This is something that you hopefully won’t ever need, but is essential if you have workers or guests in your home. What happens if someone fixing your roof slips and falls?

You can be held liable for this kind of accident.

Santam Short-Term – Extended Personal Legal Liability

This extends your cover wherever you are in the world. If it is not covered under the standard legal liability policy, it should be covered here instead.

Santam Short-Term – Legal Expenses

Some people may go their whole lives without needing to see the inside of a courtroom. For those who are not that lucky, the cost of court proceedings can be an expense that is crippling.

Taking out cover for legal expenses makes sense. Even though you know you would never break the law, you never know when an accident may make you criminally or civilly liable. What happens if your employer treats you unfairly?

Santam’s legal cover covers civil matters, labour matters, criminal cases and family matters.

Santam Short-Term – Personal Accident

This is another one that you hope you hope that you never have to use. But you will be glad you have it if you are permanently disabled in an accident. This plan will pay out to your family if you die in an accident as well.

Santam Short-Term – Hospital Benefit Plan

In this case you are paid out for each 24 hours that you have to spend in hospital because of an insured event.

Santam Short-Term – All Risks

This cover is for those items that you carry with you every day. Things like your cellphone, or your expensive sunglasses, for example.

Now, you might think that these things are covered under your standard contents insurance but they are actually not covered fully.

While most policies do make allowances for some personal items being carried on your person, this cover will probably be limited. So, for example, it might be limited to R10 000.

Add up the value of the items that you carry around with you. For example, your phone, laptop, jewellery, and even designer clothes if you wear them. Would R10 000 be enough if you had to replace everything?

That about covers the different insurances offered by Sanlam. You should now have a much better understanding of how short-term insurance works.


Guide to Household Insurance in South Africa

When it comes to insurance in South Africa, nothing is quite as hotly contested when it comes to the contents of your home and your motor vehicle. It’s intricate – did you set the alarm, where did you park, etc. That’s why you need a guide to household insurance.

Fortunately, household insurance is a lot less contentious and clearly defined so it is easier to zone in on the risks. In this post we will go through the basics of how householder’s insurance works in South Africa.

Guide to Household Insurance – What Constitutes Good Cover?

This is something that you don’t want to have to find out when it comes time to claim. You should have cover for all the structures on the property, including gates, walls and swimming pools.

Good cover is cover that allows for an increase in fees from one year to the next. But don’t Guide to Household Insuranceassume that every policy offers this, especially if it was taken specifically to cover your bond.

Some policies work on replacement values, and others work on the outstanding amount of the bond. The latter is normally cheaper and gives you peace of mind for payment of your bond in the event that something goes wrong.

What you also need to consider, though, is what happens when you need to rebuild. It is better to pay a higher monthly premium and have full cover for the full value of your home. This policy value increases over time. When it comes to your bond, the value decreases every year.

Your policy should make allowances for the replacement cost of your property. Say, for example, your property burns to the ground. You need to consider how much it would cost to rebuild, rather than just the plain market value.

Guide to Household Insurance – Rather Undervalue Than Overvalue

It might be a wise idea to have the house professionally valued. This would cost you money in the short-term but could save you from the perils of underinsurance when a claim needs to be made.

A more accurate value also decreases that chances of you over-insuring your home. A good time to do this is when purchasing your home. If you are taking out a bond, the bank does send an assessor but their purpose is just to confirm that the property is worth the purchase price.

Getting a third-party in to do your own valuation is a much better idea.

Guide to Household Insurance – What is Covered?

This depends on the policy and the level of cover you choose but it is a good idea to get this set out in the beginning. What risks do you have cover for? What situations might lead the company to decline your claim?

For example, if you have a large selection of books in your home, this could constitute an increased fire risk. It is better to declare such things upfront. Another example could be if you have a thatched roof.

Companies will also consider how old the property is, if you use gas in the home, if you have a fireplace, generator, etc.

Finding out what you have cover for, what it excludes. That is especially important. Find out what excesses you have to pay and reasons that your policy might not pay out. It is essential to understand the terms and conditions before you sign up. It may be too late when you have to put in a claim.