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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.

  • Educational - article 1 - Load shedding
  • Educational article - Credit Life
  • Educational article - Maintain your home
  • Educational article - Commonly misunderstood exclusions
  • Educational article - Funeral policy
  • Educational article - Legal expense cover
  • Educational article - waiting periods
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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
      • Educational - article 1 - Load shedding
      • Educational article - Credit Life
      • Educational article - Maintain your home
      • Educational article - Commonly misunderstood exclusions
      • Educational article - Funeral policy
      • Educational article - Legal expense cover
      • Educational article - waiting periods
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MAINTAIN YOUR HOME AND AVOID REJECTED CLAIMS

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HOME INSURANCE COVERS DAMAGE CAUSED BY UNFORESEEN EVENTS, NOT GRADUALWEAR AND TEAR

It’s important to remember that home insurance is meant to protect you against the impact of sudden, unforeseenand accidental events, and not wear and tear. ‘Wear and tear’ means gradual deterioration caused by aging, normaluse or the environment, for example hail, moths, insects, rust or mildew.

 

PROPER MAINTENANCE CAN HELP PREVENT LOSS OR DAMAGE AND REJECTED CLAIMS

To help prevent loss or damage caused by wear and tear, you have to maintain your home and make sure thateverything is in good working order. If you don’t maintain your home and you need to claim, your claim might berejected.

For example, you can prevent water damage due to a blocked or leaking gutter if you maintain it properly. So, if youclaim for damage as a result of your leaking gutter, your claim may be rejected because of poor home maintenance.

The good news is that maintaining your home does not have to be hard. By doing regular standard maintenancechecks you can manage the risks. On the next page we provide a few handy tips for maintaining your home.

 

REGULAR MAINTENANCE CAN SAVE YOU A LOT OF MONEY IN THE LONG RUN

While your Nedbank Insurance Homeowner’s Cover will likely pay for damage caused by unforeseen events that couldnot have been prevented, it’s important to remember that you will be responsible for fixing defects caused by wearand tear. The time and money you put into regular (and often minor) maintenance jobs along the way can save yousignificant expenses in the long run.

 

HANDY TIPS FOR MAINTAINING YOUR HOME

Paint your home’s exterior as often as required

  • Problems inside your home often come from outside. Painting theexterior of your home not only looks attractive - it also adds anextra layer of protection to walls and wooden fixtures.
  • Choose a high-quality exterior paint or varnish to helpweatherproof your home and reduce the risk of damp.
  • How regularly you paint your home depends on factors such asthe quality of the paint and weather conditions.
  • Watch out for these signs that the exterior of your home needs tobe painted, even if the suggested amount of years between paintjobs haven’t passed yet: faded paint, blistering paint, peeling paint,chalky, powdery paint, and/or exposed patches of wall.
 

Check and clean your chimney annually

Creosote, a substance that is createdby burning wood, is highly flammableand can build up in your chimney overtime. To avoid the risk of your chimneycatching fire, check and remove thecreosote at least once a year if youregularly use your chimney.

 

Ensure proper ventilation

  • Reduce problems causedby damp and mouldby opening windowsto ventilate a room,especially the bathroomand kitchen when youshower or cook.
  • In addition, it may be agood idea to invest inextractor
 

Take care of yourgutters

  • Clear out your guttersregularly, making surethat the spouts aren’tblocked to preventwater damage to yourroof. This is especiallyimportant afterautumn to ensure theweight of the leavesdoesn’t loosen thegutters.
  • Check that the spoutspoint away from yourwalls to prevent damp.
  • At the same time,inspect the condition ofyour roof to make surethere is no damage.
 

Maintain your pool

  • During summer, keep your pool sparkling by:
    • checking the pool’s pH levels;
    • cleaning the skimmer basket;
    • checking water levels; and
    • cleaning the pool filter by backwashing and rinsing.
  • Keep the area around the pool clean and free of hazards thatcould potentially trip up or hurt your guests.
  • Cover the pool during winter to make sure your pool remains ina good condition even when it’s not being used.
 

Look after your garden

  • Pull out weeds regularly.
  • Check the trees in your garden tomake sure they don’t start growinginto the building or perimeter wall,which may cause structural damage.
 
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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).

Learn more
Buildings insurance

Protect your home and buildings

Home contents insurance

Protect the possessions you love with a partner you can trust.

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