Education
Insurance Guides
Plain-language guides to every major insurance product in South Africa - what it covers, what it doesn't, and the clauses that matter.
Long-Term Cover
Life, disability, income, and health-related cover that protects your financial future over years or decades.
Life Insurance in South Africa: What It Actually Covers and the Clauses Most Policyholders Never Read
Life insurance pays a lump sum to your family if you die. Here's how it works in South Africa, how much cover you actually need, and the exclusions and clauses that can stop your family getting paid.
Read guide →Income Protection Insurance in South Africa: What It Actually Covers and Why the Definition Matters More Than the Premium
Income protection pays a monthly income if illness or injury stops you working. Here's how it works in South Africa, what the 'own occupation' clause really means, and the gotchas most policies hide.
Read guide →Disability Lump Sum Cover in South Africa: What It Pays, How It Differs from Income Protection, and the Definitions That Decide Your Claim
Disability lump sum cover pays a once-off amount if you're permanently disabled. Here's how it works in South Africa, how it differs from income protection, and the definitions that determine whether you'll be paid.
Read guide →Dread Disease Cover in South Africa: What Conditions Actually Qualify and Why the Tier Structure Matters More Than the Cover Amount
Dread disease cover pays a lump sum on diagnosis of critical illnesses like cancer, heart attack, or stroke. Here's how it works in South Africa, what conditions qualify at what payout level, and the gotchas most policies hide.
Read guide →Funeral Cover in South Africa: What It Actually Pays and Why Most Families Have More Policies Than They Realise
Funeral cover pays out quickly to cover burial costs. Here's how it works in South Africa, what a reasonable policy looks like, and why duplicate policies are the country's most expensive insurance habit.
Read guide →Extended Family Funeral Cover in South Africa: Who Actually Qualifies and Why Claim Disputes Usually Come Down to One Word
Extended family funeral cover includes parents, in-laws, siblings and more. Here's how it works in South Africa, who qualifies as family, and why most claim disputes come down to policy definitions.
Read guide →Longevity Cover in South Africa: Insurance Against Outliving Your Retirement Money
Longevity insurance protects you financially if you live longer than expected in retirement. Here's how it works in South Africa, why it's underused, and the one or two SA products worth knowing about.
Read guide →Education Cover in South Africa: What It Is, Why Tuition Inflation Changes the Math, and Whether a Policy or an Investment Makes More Sense
Education cover pays for your children's education if you die or become disabled. Here's how it works in South Africa, how tuition inflation affects the numbers, and when a dedicated policy makes more sense than a standard investment.
Read guide →Short-Term Cover
Property, vehicle, and liability cover that protects your assets on a renewable annual basis.
Household Contents Insurance in South Africa: What It Covers and Why Most South Africans Are Underinsured Without Knowing
Household contents insurance covers everything inside your home. Here's how it works in South Africa, why underinsurance is the norm, and the exclusions that most often cause claim disputes.
Read guide →Buildings Insurance in South Africa: What It Actually Covers and Why Your Bond's Default Policy Probably Isn't Enough
Buildings insurance covers the structure of your home. Here's how it works in South Africa, why banks often attach their own policy to your bond, and the 'average clause' that can halve your claim payout.
Read guide →Portable Possessions Insurance in South Africa: Why Your Household Contents Cover Won't Pay for Your Stolen Laptop
Portable possessions insurance covers items you carry with you outside the home - laptops, phones, cameras, jewellery. Here's how it works in South Africa, what it costs, and why your household contents cover isn't enough.
Read guide →Personal Liability Insurance in South Africa: The Cover You Didn't Know You Needed Until the Lawyer's Letter Arrives
Personal liability insurance covers you if you accidentally injure someone or damage their property. Here's how it works in South Africa, why it matters so much, and the scenarios most people never plan for.
Read guide →Comprehensive Car Insurance in South Africa: What It Actually Pays Out and the Clauses That Stop It
Comprehensive car insurance covers damage to your vehicle, third-party damage, and theft. Here's how it works in South Africa, what the 'retail vs market vs trade' valuation fight really means, and the clauses that most often cause declined claims.
Read guide →Third-Party Car Insurance in South Africa: The Minimum Cover and What It Actually Does
Third-party car insurance covers damage you cause to other vehicles and property - but not your own. Here's how it works in South Africa, when it makes sense, and why the Road Accident Fund isn't a substitute.
Read guide →Gap Cover in South Africa: What It Is and Why Medical Aid Alone Leaves You Exposed
Gap cover pays the shortfall between what specialists charge and what your medical aid rate covers. Here's how it works in South Africa, what to look for, and the gotchas most people miss.
Read guide →Often Overlooked Cover
Cover types that most South Africans pay for without understanding - or don't have when they need it most.
Bond Protection Insurance in South Africa: What It Is and Why the Bank's Version Is Almost Always More Expensive
Bond protection insurance covers your home loan if you die, become disabled, or lose your income. Here's what it actually covers, what the bank doesn't tell you, and your legal right to substitute cheaper cover.
Read guide →Credit Life on Credit Cards & Personal Loans in South Africa: The Cover You're Probably Paying For Without Knowing
Most South Africans have credit life on their credit cards and personal loans without knowing it. Here's what it covers, what you're paying, and your legal right to cancel it.
Read guide →Frail Care Cover in South Africa: What It Is and Why Your Medical Aid Probably Won't Pay
Medical aid doesn't cover long-term frail care in South Africa. Here's what frail care actually costs, what your policy does and doesn't cover, and how to avoid the gap.
Read guide →Business Insurance in South Africa: What Small Businesses, Freelancers, and Side Hustlers Actually Need
Business insurance covers commercial risks that personal policies won't. Here's how it works for South African small businesses, freelancers, and side hustles - including the exposures that personal policies specifically exclude.
Read guide →Legal Protection Insurance in South Africa: What It Covers, What It Doesn't, and Whether It's Worth the Premium
Legal protection insurance pays for legal advice and representation on specified matters. Here's how it works in South Africa, which matters are typically covered, and the limitations most policyholders don't read.
Read guide →Have a policy to check?
Upload any policy document and TEN will analyse the clauses, exclusions, and gaps for you.