Insurance Guides
Short-Term Cover
Buildings, household contents, vehicle, portable possessions, personal liability, and gap cover - policies that protect your assets on a renewable annual basis.
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 →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 →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 →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 →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 →Browse all insurance types, or upload a policy to analyse it with TEN.