The Pulse

UNDERSTANDING THE RIGHT OF SUBROGATION AND INSURER’S RIGHT TO RETAIN SALVAGE ITEMS In the world of insurance, especially with the high number of road accidents in South Africa, terms like “subrogation” become increasingly relevant. It is crucial to understand these terms to navigate the insurance claim process efficiently. What is Subrogation? Subrogation allows an insurance […]

INSURANCE CONSIDERATIONS WHEN RENOVATING A HOME Renovating a home is a significant investment, both financially and emotionally. Whether it involves a fun DIY project or an extensive makeover with a substantial budget, it’s crucial to understand how these changes can impact home insurance. Before any construction work begins, it’s essential to ensure that the insurance

Prevention and Mitigation By Adriaan Louw This brief description will help you understand the phenomenon of Aqua Lock (also called Hydro Lock) of engines, an increasingly common issue due to volatile weather conditions, deteriorating infrastructure, and drivers underestimating the risks of driving through water The Rising Incidence of Aqua Lock We’re seeing a surge in

Personal Accident Cover The personal accident space must however be approached with comprehensive product knowledge. Personal accident cover provides specific benefits such as accidental death, permanent disability, temporary disability, emergency expenses, and medical treatments. Personal accident cover represents a valuable addition to brokers’ offerings, providing essential protection against unforeseen accidents and injuries. By understanding client

The delicate balance of premium rating and loyalty In the intricate world of insurance, partnerships are the backbone upon which success is built. At the heart of these partnerships lie three crucial stakeholder: the insured, the broker, the insurer. However, maintaining harmonious relationship among these parties is not without it’s challenges, particularly when it comes

Winter Wonderland As we gear up for the winter months in South Africa, it’s crucial to equip ourselves with the knowledge and tools to protect our properties. With the increased risk of accidents and property damage during this season, proactive measures are paramount. Let’s explore additional maintenance tips, including identifying trees that may pose a

Depreciation Protection Cover It is a harsh reality that the value of your car diminishes with each passing minute, every hour, and every day. One often recalls the sobering adage when purchasing a vehicle: the moment you drive it off the dealership lot, its value can plummet by up to 10%. The crux of the

At MUA we want to protect you against online perils. We aim to protect you and your household members against cyber bullying, cyber liability, cyber-attacks, and cyber theft by providing Cyber Insurance coverage.In the era of social media, each of us assumes a level of celebrity status, where our actions and words can be instantly

The unique risks when insuring A HERITAGE PROPERTY There Is a perception that insurance can be difficult toobtain for heritage properties. An insurance contract offers to place the insured in the same or similar position as prior to the loss or damage, subject to terms and conditions or the contract. In the case of heritage

Rental Property Cover VS Alternative Accommodation Cover As more homeowners turn to short-term rentals or Bed and Breakfasts, it’s important to understand the potential risks and insurance implications. Guests don’t have a sense of ownership or attachment to rental property or its contents, making the risk of damage or loss much higher. That’s why our