Medical evidence defeats insurer’s non-disclosure defence
The Appeal Tribunal found that the skin cancer had been completely treated, while evidence showed that the insured did not have lung disease.
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False incident date costs policyholder his claim and cover
The NFO upheld the claim rejection and policy cancellation after the policyholder admitted combining damage from two incidents and falsifying the date.
I-NFO ifumene i-R442.99 yezigidi kubathengi njengoko lisanda inani lezikhalazo
Ubuqhetseba bebhanki yedijithali, amabango omngcwabo angavunywanga, kunye neengxabano zeinshorensi malunga nokungabandakanywa kunye nokugcinwa kwempahla zivele njengezona ndawo ziphambili zoxinzelelo ngo-2025.
Xa amabango e-inshorensi esaliwa: indlela ezisebenza ngayo iimeko ezingabandakanywanga kwi-inshorensi
Isikhalazo esiphononongwe liZiko leSizwe leeNkonzo zoLamlo lwezeMali (iNational Financial Ombud Scheme) sibonisa indlela ezivavanywa ngayo iimeko ezingabandakanywanga kwi-inshorensi ezinxulumene nezenzo ezingekho mthethweni.
Car repossession: what the bank must do and what you should check
The process differs depending on whether possession is authorised by a court or the consumer agrees to surrender the vehicle voluntarily.
NFO urges FSCA to strengthen safeguards against murder-for-money schemes
Insurers would have to prove that the life assured knew about and consented to cover taken out at another person’s request.
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.
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.
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.
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.
Cellphone insurance: When the policy wording matters
The NFO’s complaints show how SIM requirements, policy schedules, limits, and the circumstances of a theft can affect a claim.
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.
Law firm calls for banks to reimburse fraud victims
Trudie Broekmann Attorneys says South Africa should adopt a mandatory reimbursement framework that goes beyond the UK’s protections for payment scams.
More credit consumers turn to ombud – and more are getting results
The NFO’s Credit Division recorded a 58% jump in complaints during 2025, while recoveries for consumers more than tripled and favourable outcomes outpaced every other division.
From fraud listings to repossessions: inside the credit ombud’s case files
The NFO’s case studies show how disputes over evidence, process failures, and consumer rights can escalate into costly battles between credit providers and customers.
Income protection dispute turns on 10% increase versus CPI cap
The Appeal Tribunal found that voluntary pre-claim benefit increases were distinct from post-claim escalation and could not be used to support a fixed 10% increase.
