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  • The average clause

    Contrary to the mundane nature that its name suggests, the 'average clause' is actually one of the most important insurance terms you need to understand, as it could have a significant impact on the outcome of your claim in the event of loss of or damage to your property.

  • A closer look at your policy conditions

    Let’s take a look at a few of the most commonly misunderstood conditions in the Nedbank Homeowner’s Insurance policy:

  • In gear for the New Year

    Welcome to 2017; may it prove to be a fulfilling and prosperous year! For most of us the holidays have passed and it’s back to business – busy schedules, full agendas and big plans for the future.

  • Securing Your Home For The Holidays

    The festive season, the holidays, the silly season … Call it what you will, it's fast approaching and as we rush toward it either with dread for the coming traffic and shopping mall madness or in anticipation of a well-deserved breakaway, we must remember to make the necessary preparations.

  • Tips For Friendly Homeownership

    Homeowners insurance is a legal requirement when you take out a home loan in South Africa and, as one of your most valuable assets, you’ll want to ensure that your house is well looked-after.

  • Demystifying Motor Warranty

    There is a fair amount of confusion in the South African market around vehicle warranties, with many people unsure as to what they cover or how they work. That’s why we’ve decided to demystify the subject for you…

  • Geyser Care

    It's that time of year when hot, hearty foods, thick wooly coats and hot bubble baths abound. It's also the time of year when disaster is most likely to strike in the form of a burst geyser, resulting in unhappiness and insurance claims. So we've put together a few geyser care tips that'll help ensure that you don't suffer such a fate.

  • What Is Homeowners Insurance?

    If you’ve just bought a house, you’ll need to take out homeowners insurance. Here are a few things to consider with regard to the cover you’ll need.

  • Car Insurance Demystified

    When you’re first looking at car insurance it can seem like a minefield of complications. This handy guide will break this down for you.

  • What To Look For When Buying A House

    Looking to buy a house? Here are a few things to look at before you sign that offer to purchase.

  • Comprehensive Insurance Demystified

    Should you be thinking about comprehesive insurance? Do you have too much or too little insurance?

  • Comprehensive Insurance E-Guide

    Nedbank’s comprehensive insurance allows you to cover all of your assets under one policy. One policy means one monthly premium, one policy number and one phone call.

  • A Guide To Insurance: What Type Of Insurance Do You Need?

    Your possessions offer more to you than just a functional benefit – they make your house a home. And because your valuables are so important to you, insuring them under a home contents insurance policy should be a priority when it comes to taking out insurance.

  • Caring For Your Valuables

    Short-term insurance protects the value or specific cost of an item or unfortunate event in your life. Understanding your short-term insurance options will leave you better equipped to protect what you've worked hard for, whether it's your car, home or a trip abroad.

  • 6 Reasons Why You Need Travel Insurance

    Heading abroad? No matter how meticulously you plan your trip, any seasoned traveller will tell you that you also need to prepare for the unexpected. If something happens to you while you're away – such as falling ill, losing your luggage or getting mugged – your carefully organised travel itinerary can quickly be disrupted. Even worse, the unexpected costs of dealing with the situation can eat into your travel budget. Luckily, travel insurance can help soften the financial blow should something go wrong. Here are six key reasons why you need it.

  • Money-Saving Tips For The Holiday Season

    The December holiday season is often the most relaxing time of year as you take a break from work and spend time with friends and family. But it can also be financially stressful if you're travelling across the country, hosting people at your home or buying gifts. Regardless of what your holiday plans are, for most people this time of year goes hand in hand with increased spending and a tighter cashflow

  • Tips For A Safe And Happy Holiday Season

    You've been working hard all year and can't wait for some much-needed relaxation over the December break. And while we know that you'd prefer to focus on celebrating and enjoying time with loved ones, the reality is that there are increased risks associated with this special time of year.

  • Why You Need Critical-Illness Cover

    Even if you belong to a medical aid scheme, this may not cover all the costs associated with critical illness. Find out more about critical illness insurance.

  • E-Cigarettes: What Are The Health Risks And How Do Insurers See Them?

    Are e-cigarettes a health risk and how do insurers see them? Find out more about how they work and some concerns that Nedbank Insurance has about them.

  • Estate Planning: Five Reasons Why It’s Important

    We all know that planning for a dream holiday always is much more fun than planning your estate. Your death may seem like something in the very distant future, but the reality is that, without comprehensive estate planning, the sum total of your life’s hard work could end up in the hands of people you never intended it for.

  • What To Do If You’re In A Car Accident: Eight-Point Checklist

    Here is our eight-point accident checklist, which will help guide you as to what to do if you’re in a car accident.

  • Treating Customers Fairly And How It Can Help You

    In this article we’ll explain TCF – why it was implemented, what Nedbank Insurance is doing in this regard and how it can benefit you as financial services consumer.

  • How To Protect Yourself In The Event Of A Tremor

    In August 2014 many people were alarmed when an earthquake shook parts of Southern Africa – from the epicentre in Orkney, South Africa to as far as Mozambique and Botswana. Measuring 5 on the Richter scale, this was South Africa’s second largest earthquake (or tremor) since 1969.

  • Things To Do Before You Go On Holiday

    Everyone loves going on holiday, but no one likes hassles. That's why we've compiled a handy list of things to do about both your home and your car, so that you can return relaxed and rejuvenated knowing that your possessions and loved ones are safe.

  • Why Nominating Funeral Insurance Beneficiaries Is Important

    It's all very well having a comprehensive funeral insurance policy in place, but did you know that if you don't nominate beneficiaries, the right people may not get the funds they really need when you pass away? This will mean that they may not be able to afford to pay for your funeral and their finances may become strained.

  • What is underwriting in life insurance?

    What is underwriting? Find out more about it, why it's necessary and how it can help you when you are applying for life insurance.

  • How to avoid winter home insurance risks

    There are lots of plus sides to winter, the main one being that it only lasts a few months. But there are also downsides. One of them is that there are increased risks of damage to your home from things such as fire and burst water pipes. We chatted to Khwathelani Tshikovhi, Head of Client Experience at Nedbank Insurance, who addressed a few of these home insurance related risks and explained how to avoid them.

  • Why cheap insurance isn't always cheap

    It’s easy to get lulled into the idea that the cheapest car insurance is your best option. In these tough economic times we all want to save money, and cutting your car insurance costs is one way of doing this. But you need to look at the bigger picture: you really need financial support from your insurer – which is why that cheap car insurance package may not necessarily be the best.

  • Why is a funeral plan important?

    While it’s not pleasant to think about, funerals are unfortunately a part of life. Making financial plans to be able to afford your own funeral, or that of your loved ones, is crucial in easing financial stress during a difficult time of grief.

  • 5 tips for choosing household contents insurance

    Picking the right household contents insurance option can sometimes be daunting. So many prices and offerings from an overwhelming variety of providers can get confusing, so it helps to know what to look for when deciding on the best option.

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    • Tips & advice
      • The average clause
      • A closer look at your policy conditions
      • In gear for the New Year
      • Securing Your Home For The Holidays
      • Tips For Friendly Homeownership
      • Demystifying Motor Warranty
      • Geyser Care
      • What Is Homeowners Insurance?
      • Car Insurance Demystified
      • What To Look For When Buying A House
      • Comprehensive Insurance Demystified
      • Comprehensive Insurance E-Guide
      • A Guide To Insurance: What Type Of Insurance Do You Need?
      • Caring For Your Valuables
      • 6 Reasons Why You Need Travel Insurance
      • Money-Saving Tips For The Holiday Season
      • Tips For A Safe And Happy Holiday Season
      • Why You Need Critical-Illness Cover
      • E-Cigarettes: What Are The Health Risks And How Do Insurers See Them?
      • Estate Planning: Five Reasons Why It’s Important
      • What To Do If You’re In A Car Accident: Eight-Point Checklist
      • Treating Customers Fairly And How It Can Help You
      • How To Protect Yourself In The Event Of A Tremor
      • Things To Do Before You Go On Holiday
      • Why Nominating Funeral Insurance Beneficiaries Is Important
      • What is underwriting in life insurance?
      • How to avoid winter home insurance risks
      • Why cheap insurance isn't always cheap
      • Why is a funeral plan important?
      • 5 tips for choosing household contents insurance
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6 Reasons Why You Need Travel Insurance

Heading abroad? No matter how meticulously you plan your trip, any seasoned traveller will tell you that you also need to prepare for the unexpected. If something happens to you while you're away – such as falling ill, losing your luggage or getting mugged – your carefully organised travel itinerary can quickly be disrupted. Even worse, the unexpected costs of dealing with the situation can eat into your travel budget. Luckily, travel insurance can help soften the financial blow should something go wrong. Here are six key reasons why you need it.

07 January 2015
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6 Reasons Why You Need Travel Insurance

Heading abroad? No matter how meticulously you plan your trip, any seasoned traveller will tell you that you also need to prepare for the unexpected. If something happens to you while you're away – such as falling ill, losing your luggage or getting mugged – your carefully organised travel itinerary can quickly be disrupted. Even worse, the unexpected costs of dealing with the situation can eat into your travel budget. Luckily, travel insurance can help soften the financial blow should something go wrong. Here are six key reasons why you need it.

Travel insurance

1     Your flight is delayed

 

Dangerous weather, technical glitches, airport strikes – all of these can delay your flight and the time you arrive at your destination. If you have travel insurance in these circumstances, you'll be reimbursed for the costs of missing connecting flights, staying in hotels while you wait for your flight, and changing your accommodation bookings. If you need a visa for the country you're visiting, travel insurance can also cover the costs of a cancelled trip should your visa be denied at the last minute.

 

2     Your trip gets cancelled

 

If for some reason your trip has to be cancelled before you leave, for example if you fall ill or have a family emergency, you could be left out of pocket. After all, certain non-refundable items such as the cost of accommodation, tour packages and plane and cruise tickets can quickly add up. Having travel insurance in place at least ensures that you will be able to claim for the non-refundable unused portion of your travel and/or accommodation costs.

 

3    You get sick while you're away

 

If you get sick or are in an accident while you're outside the country, most South African medical aids won't cover you. But, with the medical coverage portion of your travel insurance policy, you'll be covered for emergency medical expenses while you're away. You will also be covered for medical evacuation and repatriation back to South Africa. If you have a preexisting condition, you can still be covered for it while abroad as long as you confirm with your insurer prior to departure that your condition is covered and the suitable insurance is purchased.

 

4   You're a victim of theft

 

Crime is a reality in every country around the world. Tourists, especially, can be easy targets for theft, as they're often distracted and not familiar with their surroundings. Should you have something stolen from you, such as your wallet, camera or cash, travel insurance will reimburse you up to the limits of your policy. Remember that you'll need to report the incident to the police and get a case number so that you can make a valid claim.

 

5    You lose your passport

 

If you lose your passport while you're overseas, replacing it in a foreign country can be a logistical nightmare. Hunting for a foreign embassy, getting police reports and paying for courier costs all take time and cost money. With a proper travel insurance policy in place you can at least claim for the non-recoverable money you spent replacing it.

 

6   Your luggage gets lost

 

Few things are more frustrating than arriving at your destination and learning that your airline has misplaced your luggage. This is especially true if you're going away for a short time only and you could be nearing the end of your trip by the time the airline gets your luggage back to you. Travel insurance can help you  by providing baggage delay as well as lost/stolen luggage cover, depending on your circumstances.

 

Most travel insurers also offer a 24-hour helpline you can call from anywhere in the world in any of these situations. While you can't get back the time you spend fixing something that goes wrong, a comprehensive travel insurance plan will provide you with financial peace of mind, leaving you to enjoy your well-deserved break.

 

Planning a trip abroad and looking for travel insurance? Nedbank Insurance offers a comprehensive travel insurance policy that protects you and your wallet from unforeseen events.

 

Benefits depend on the plan chosen. Terms and conditions apply. Insurance underwritten by AIG South Africa Limited (FSP No 15805).

 

Taking a fresh look at your insurance once a year is essential if you want to protect your interests and be financially responsible.
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Nedbank Insurance is brought to you by:

Nedgroup Life Assurance Company Limited Reg. No. 1993/001022/06, an authorised financial services provider (FSP 40915) and a registered credit provider (NCRCP61). Nedgroup Insurance Company Limited Reg. No 1993/001021/06, an authorised financial services provider (FSP 41104). Nedbank Limited Reg No 1951/000009/06, an authorised financial services provider (FSP 9363) and a registered credit provider (NCRCP16).

Nedbank Insurance is brought to you by:

Nedgroup Life Assurance Company Limited Reg. No. 1993/001022/06, an authorised financial services provider (FSP 40915) and a registered credit provider (NCRCP61). Nedgroup Insurance Company Limited Reg. No 1993/001021/06, an authorised financial services provider (FSP 41104). Nedbank Limited Reg No 1951/000009/06, an authorised financial services provider (FSP 9363) and a registered credit provider (NCRCP16).

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