Guides that answer the question
Plain language and South African context, with a source and a date on every figure. Where nobody publishes a number, we say that instead of inventing one.
- Car insurance
Car trackers and your insurance: when you need one and what it saves
When a tracker is a condition of cover rather than a discount, what the discount is actually worth, and why every recovery rate you are quoted should be treated as marketing.
8 min read · Checked 27 September 2026
- Car insurance
Retail, trade or market value: which one should you insure for?
The one line on your policy schedule that changes a write-off payout by tens of thousands.
7 min read · Checked 27 September 2026
- Life cover
How much life cover do you actually need?
Built up from what the money has to do, rather than a multiple of your salary that takes nothing into account.
7 min read · Checked 27 September 2026
- Home insurance
How much contents cover do you actually need?
Underinsuring is the most expensive saving in insurance, and it cuts small claims too.
6 min read · Checked 27 September 2026
- Funeral cover
Are you paying for funeral cover twice?
Bank accounts, store cards, burial societies and standalone policies all quietly sell the same thing.
6 min read · Checked 27 September 2026
- Car insurance
What to do after a car accident in South Africa
The legal 24 hour deadline, the case number your claim depends on, and what to photograph before anything moves.
7 min read · Checked 28 September 2026
- Home insurance
Does home insurance cover load shedding damage?
Power surge cover is usually there, usually capped separately, and sometimes conditional on a device you do not have.
6 min read · Checked 28 September 2026
- Car insurance
Using your car for deliveries or lifts: are you covered?
Almost every private policy excludes carrying goods or people for money, and most people find out at claim stage.
6 min read · Checked 28 September 2026
- Claims
Why insurers reject claims, according to the Ombud
Not guesswork. The leading rejection reasons in the complaints that reached the National Financial Ombud.
8 min read · Checked 28 September 2026
- Home insurance
Geyser claims, and why so many get turned down
Burst geysers are one of the most common household claims, and maintenance is the reason most often given for refusing them.
6 min read · Checked 28 September 2026
- Car insurance
Drinking and driving voids your cover, not just your excess
The single most common reason vehicle claims that reach the Ombud were rejected, and it is more absolute than people assume.
6 min read · Checked 28 September 2026
- Car insurance
Excess explained, including the ones you only find out about later
Basic excess, additional excess, and the ones that appear only on a claim.
6 min read · Checked 27 September 2026
- Car insurance
Five questions to ask before you accept a car insurance quote
The answers that decide what happens when you claim, none of which appear on the quote itself.
6 min read · Checked 14 October 2026
- Money
The different types of loans in South Africa, and what each one costs you
Secured against unsecured, what the National Credit Act actually protects you from, and the questions that tell you whether a deal is reasonable.
8 min read · Checked 14 October 2026
- Car insurance
Is your car insurance premium too high?
Six things that actually move the number, which of them you can change, and what to say when you phone.
7 min read · Checked 14 October 2026
- Car admin
How to renew your car licence in South Africa
Five ways to do it, where it hides in each banking app, and exactly what it costs if you are late.
7 min read · Checked 26 September 2026
Being written
Listed so you know what is coming. These are not links yet, because the pages do not exist yet.
- Connectivity
Fibre or 5G at home: an honest comparison for South Africa