Imagine this: your vehicle is damaged while being towed in Namibia, or a body corporate trustee travels to Mozambique for a business meeting, but takes along the BC laptop for the AGM prep and it gets stolen — only to discover later that their insurance claim has been declined because it happened outside  the policy’s territorial limits. It’s a frustrating (and costly) surprise that many policyholders could easily avoid, if they understood one small but important clause: Terr

When trustees talk about levies, voting rights, and maintenance costs, there's one document that determines it all: the Participation Quota Schedule (PQS). Yet most owners barely glance at it, and many don't understand what it actually does. Here's the reality: your participation quota isn't just a number on a spreadsheet. It's the backbone of your body corporate's financial structure, and nowhere is this more critical than when it comes to insurance. What Exactly is a Partic

Nine Fridays. That's all that stands between you and Christmas. Nine increasingly chaotic Fridays where your productivity will plummet, your inbox will fill with "quick drinks" invitations, and your brain will slowly turn into mulled wine. Welcome to the Silly Season, where common sense goes on holiday before you do. The Great December Delusion Let's be honest: December is when we all collectively lose our minds. We're tired. We're burnt out. We're desperately counting down t

In today's uncertain world, financial protection has become a priority for South African families. Short term insurance is one of the most effective ways to safeguard your family against unexpected risks such as accidents, property loss, or legal disputes. Unlike long term insurance which often covers events tied to life and retirement, short term insurance provides flexible protection for specific needs and a limited period. As families in South Africa prepare for 2026 and b

Your body corporate's insurance premium increased 18% this year. Your trustees negotiated hard, shopped around, and were told this was "competitive." Three months later, storm damage wreaked havoc on your building. The claim was declined. The reason? "Gradual water ingress" an exclusion buried on page 47 of your policy document. Welcome to the cover gap crisis facing South African sectional title schemes in 2025. The Perfect Storm South Africa's climate is changing faster tha

Homeowners should think twice before simply renting out their properties in estates or community schemes using platforms like Airbnb, and...

Insurance claims in sectional title environments remain a persistent source of confusion and possibly even tension. By grasping the...