Insurer cannot diagnose non-disclosure with hindsight
The doctor’s medical knowledge did not allow Discovery Life to rely on developments he could not reasonably have known about when applying for cover.
Insurance
Why ‘ever’ matters when answering insurance questions
A fraud-related cancellation almost 15 years earlier cost the policyholder his tornado claim because he failed to disclose it when applying for cover.
Warning against an ‘install and forget’ approach to home solar
About 24% of Fire Ops SA’s structural-fire call-outs since January were linked to alternative-power equipment.
Sanlam bets on banking to deepen customer ties
A new GoTyme-powered banking service is part of a broader strategy to build closer customer relationships, even as investment in future growth weighs on earnings.
OUTsurance’s tied broker channel more than quintuples profit
Stronger South African margins drove group earnings higher, while natural peril and CTP claims weighed on Youi’s rapidly growing Australian business.
Discovery Bank turns the corner as the group’s business changes
Discovery Bank has reached profitability, while Vitality, Invest, and Insure are making larger contributions as the group gradually broadens its earnings base.
A poor credit score and insurance hopping could push up your premium
An impaired credit record and frequent switching may combine to make affordable short-term insurance more difficult to obtain.
High Court rejects challenge to SASRIA’s treatment of co-owned properties
The insurer’s differentiation between co-owners was rationally connected to its risk-management objectives.
Why South Africa’s changing fire risk matters to insurers
Evolving buildings and technologies are complicating structural fires, increasing the importance of prevention, resilience, municipal capacity, and effective risk transfer.
Insurer cannot rely on policy terms after adviser’s misrepresentation
A policyholder’s godfather was recorded as her father despite the adviser knowing the true relationship, leading to a ruling that the insurer must pay the claim.
It may be claim number 49. It’s their worst day.
A routine interaction for an insurance professional can be a crisis for the person on the other side, making empathy a practical part of the job.
Claim delay exposes importance of keeping policyholders informed
An NFO case highlights the requirements of Rule 17.8.6 and the consequences when an insurer fails to communicate during a prolonged claims process.
Not every medical non-disclosure justifies claim rejection
The Appeal Tribunal found that an undisclosed diagnostic test was not material to the insurer’s assessment of the risk and ordered the claim to be paid.
Landlord’s fire claim fails after tenant-created hazard goes undisclosed
The NFO found that a property owner could not avoid responsibility for an increased risk where poor construction, electrical defects, and tenant conduct contributed to the loss.
Tribunal ruling reinforces substance over form in insurance
CDH says the decision highlights the risks for businesses that incorporate cover or risk-transfer arrangements into broader commercial offerings.
The race to reach a fire before it becomes a total loss
Private firefighting networks, connected smoke detectors, and faster emergency response are giving insurers new ways to limit losses before flames engulf a home.
Can AARTO make better drivers – and smarter underwriting?
Old Mutual Insure says demerit points could eventually influence underwriting, but only if they prove to be a reliable predictor of insurance risk.
