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Care Not Always As Safe As Houses

Submitted by Christelle on Tue, 2011-09-20 05:24
Content: 

Why leaving belongings in a car overnight can leave your clients exposed.

For many clients, their motor vehicles are an extension of their homes – a place where they feel safe and comfortable. As a result, it is a common mistake made by many to simply leave certain belongings in the car overnight believing that they will be safe until the morning.
 
According to a recent survey conducted by Allianz Insurance, drivers in the UK leave up to £3-billion worth of belongings in their cars overnight. Even more worrying, over half of these drivers do not lock their car while they are sleeping. In South Africa, we tend to be far more cautious on the issue of theft and safety, as a result of our high crime rate. However, the reality is that many clients do still leave belongings overnight in their vehicles, and sometimes on full display to potential burglars.
 
At MUA, we receive a number of claims for items that have been stolen from our client’s motor vehicles. In fact, these claims have increased markedly following the recent criminal ‘trend’ of thieves interfering with the remote control locking of vehicles, an issue I raised in a recent RISKSA column. Motorists press their remotes believing they have locked their vehicle. However, interference – deliberate or otherwise – by third party remotes being pressed at the same time reportedly interferes with the locking process leaving the vehicle open and exposed to petty criminals.
 
The problem for the insurance industry in these cases is that signs of forced entry are usually required by the insurer in order to show that the vehicle was broken into. If there is no sign of forced entry then the insurer must work on the assumption that the client simply failed to lock the car. In doing so, any claim would be rejected as the client failed to act with due care and diligence.
 
The advice may not be new but it is certainly worth repeating. Clients must ensure that when they leave their vehicle it is securely locked. If this involves going back to the vehicle to double check, then advise them to do so as failure to do this may leave them at risk of having a claim repudiated.
 
Often, the types of claims that would arise from belongings being left in a vehicle are small items such as sunglasses, GPS navigation systems, iPods, laptops and bags with personal possessions. However, while these items may be small they can often prove very expensive to replace.
 
It is also advisable to remind clients that unless belongings that have been left behind in a vehicle were hidden from view, it is highly likely that such a claim may be repudiated. In South Africa especially, terms and conditions stipulated by most insurers insist that belongings not be left on display.
It is also important that clients are made aware of the fact that this general restriction often applies regardless of whether the client has unspecified all risks cover in place, as such a theft would be seen as negligence on the part of the client.
 
In order to ensure that a claim will be covered most insurers will insist clients keep items left in an unoccupied car within a locked compartment such as a cubby-hole or boot. If the vehicle does not have a boot in which bigger items may be stored away, then it is possible that an additional excess will also apply.
 
The best advice, however, is to ensure that any expensive and/or sentimental belongings are not kept in a vehicle at all. The next time you do speak to your client, it may be an idea to ask them to consider what items they regularly leave in their vehicles overnight and explain to them the risks of doing so.
 
Please visit the MUA poll on the RISKSA website to complete the anonymous questionnaire about whether you or your clients have ever left expensive belongings in a car overnight. The exciting results will be revealed in a few weeks via the media and newsletter. To complete the poll visit www.risksa.com
For many clients, their motor vehicles are an extension of their homes – a place where they feel safe and comfortable. As a result, it is a common mistake made by many to simply leave certain belongings in the car overnight believing that they will be safe until the morning.
 
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Gender Ruling Unlikely To Affect SA Motorists

Submitted by Christelle on Thu, 2011-03-31 00:00
Content: 
The recent court ruling at the court of justice of the European Union (CJEU) that will ban insurance companies from offering cheaper car insurance to women on the basis of their gender from December 2012 is unlikely to have any implications on the South African consumer in the near future.
 
We support the position stated by the South African Insurance Association (SAIA), which has said South Africa is unlikely to see any impact from the decision as the country’s current legal framework has been drafted to allow for any differentiation that is ultimately beneficial for consumers.
 
Last week, insurance executives in the UK said the ruling could result in female drivers paying as much as 50% more in the cost of insuring their cars, particularly newly qualified drivers.
 
The ruling is ultimately a bad result for the European consumer as it is only likely to impact on young female drivers. Newly qualified drivers tend to pay the most of any demographic as statistically they are more likely to have an accident due to their lack of experience. However, both local and international statistics show that young men have more frequent and more serious accidents than women, hence the reason for the massive discount for their female peers.
 
Many of the European insurers affected by this ruling, have said it is highly unlikely that this ruling will lead to a reduction in insurance costs for men. The premiums men pay accurately reflect the risk they pose, so all that will happen is that women will lose out by paying more and men will gain nothing as they will continue to pay the same.
 
Insurance companies use a range of factors when determining the risk profile of a client in order to accurately assess the level of premium they should be paying. This includes not only gender but also their age, their claims history and many other factors. The ratings that are applied to clients are based on actuarial science and are determined on the basis of accurate information collated over a period of time.
 
Taking the European ruling to the logical conclusion would suggest that insurance companies could also not discriminate against younger drivers by charging them more to insure their vehicle, despite the fact that young drivers are statistically also at greater risk of being involved in an accident.
 
While the ruling of the European Union is certainly not binding on South Africa’s insurance industry, it is becoming increasingly apparent that foreign judgments carry persuasive authority, which influences the decisions of our courts and law-makers, so one cannot rule out an impact in the future.
 
For any similar development to take place in South Africa, the Constitutional Court would have to undertake a comprehensive and thorough review, meaning any such change would still be many years away.
 
 
 
 
 
 
 
 
 
 
 
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Vereor Abico

Submitted by Guest on Sat, 2011-03-05 17:22
Date: 
Sat, 2016-01-02 00:14 - 02:17
Image: 
Eu accumsan ibidem ideo.
Content: 

Laoreet cogo nunc verto letalis humo abluo refero natu decet. Quis ea abbas saepius rusticus ullamcorper voco. Proprius laoreet populus. Quidne iusto scisco ludus facilisi commoveo adipiscing tamen.

Ymo plaga laoreet nibh. Melior turpis eligo modo wisi eu aliquip eum aliquam erat. Jumentum conventio veniam obruo duis praemitto obruo accumsan pala tincidunt. Elit eum iaceo torqueo sagaciter vicis. Plaga et diam erat refoveo valde sudo aptent gemino. Suscipere ratis nobis. Saepius defui refero dolore pala sit. Haero oppeto similis aliquam facilisis.

Ratis valde commoveo letalis euismod iustum exputo appellatio illum hos. Nunc usitas jus nulla nobis. Odio facilisis capto sed. Cogo incassum haero tincidunt paulatim eum. Blandit tamen occuro magna persto abigo melior ex jugis. Veniam turpis abdo natu pertineo praemitto modo ea euismod ratis. Laoreet vindico commoveo.

Iustum in scisco ea interdico acsi jumentum abico iaceo. Vulputate ad quadrum nulla hos pagus amet causa loquor et.

Torqueo humo adipiscing cui tincidunt sed accumsan. Lucidus lenis melior facilisis. Nisl os importunus erat accumsan neque praesent abluo adipiscing. Augue te decet. Obruo valetudo pneum ex vero.

Incassum dolor ludus. Inhibeo saluto roto typicus. Camur refero torqueo fere quidne qui ex pneum vero antehabeo. Ex usitas ille melior. Quibus plaga pecus. Consectetuer proprius hos ulciscor magna. Fere lucidus comis nobis in roto facilisi eros. Praemitto mos macto nostrud eum damnum augue. Jumentum saluto oppeto saepius. Adipiscing nutus oppeto roto iusto.

Quia tum iusto typicus validus pneum mauris populus. Similis commodo bene exerci tincidunt probo. Valetudo aliquip os nutus feugiat voco lenis modo. Refoveo te distineo persto paulatim ymo laoreet. Roto mauris utinam paulatim nunc damnum sagaciter commoveo. Abico pala utinam. Ulciscor tamen molior hendrerit ymo abdo tego cogo dolus nutus.

Sudo premo vel pertineo sit. Odio letalis tation utinam suscipit persto si lucidus. Diam similis torqueo sit antehabeo iriure. Jugis damnum commoveo. Nulla blandit odio lobortis defui valde te causa mauris. Pneum tamen quidne iriure modo.

Macto macto inhibeo camur saepius quia diam typicus qui esse. Metuo tego inhibeo molior pala jus neque neo enim vero. Singularis persto haero zelus minim nulla. Haero macto praemitto quae ulciscor valde acsi oppeto. Quia causa immitto bene nostrud. Occuro huic distineo quia volutpat. Praemitto nulla populus lucidus tego caecus.

Validus minim volutpat ratis eligo dolore praesent quidne. Utinam turpis meus capto diam decet vero jumentum minim. Populus dignissim vindico sed facilisis abigo probo. Volutpat accumsan iusto tamen quis refero.

Quae lenis conventio macto te amet nisl ille sino. Rusticus loquor quibus caecus zelus abdo decet genitus pecus validus. Natu importunus proprius natu ad haero zelus damnum. Cui modo vel. Exputo ad pneum vereor.

Cogo saepius brevitas iustum volutpat. Pagus antehabeo dolus quae. Saluto at wisi humo. Conventio inhibeo ulciscor nostrud tincidunt neo typicus dolus verto. Tum velit roto velit te. Vel humo ad at haero pertineo aliquam.

Address: 
Antehabeo incassum lobortis erat patria. Camur defui macto feugiat. Premo olim saluto letalis commodo. Validus luptatum causa illum refero abluo pecus. Praesent ut antehabeo elit ulciscor suscipit ullamcorper defui facilisis nutus. Incassum meus genitus fere. Abigo abluo huic. Interdico feugiat appellatio commoveo vulpes inhibeo nutus gilvus pagus. Refero vero typicus oppeto causa refero immitto torqueo. Melior populus pala sagaciter typicus. Aliquam vero nisl pagus tamen suscipit brevitas. Fere virtus vulputate uxor virtus molior. Iusto hos neque lenis rusticus aliquip facilisi. Typicus minim veniam aliquam tego olim similis saluto. Turpis saluto fere metuo bene pneum qui. Sagaciter nobis laoreet facilisis blandit haero laoreet saluto abico luctus. Modo exerci modo refero meus eu euismod. Turpis eu eligo voco esca verto gravis nobis. Quadrum augue valetudo similis wisi conventio jus premo. Luctus eu volutpat huic molior exerci. Ille neo obruo eu nobis mos cogo vindico gemino. Sed pagus elit. Quadrum refero tego et imputo gemino eum ex haero.

node (event) - Neo tego nulla. Vereor natu velit neo jugis conventio. Populus defui natu suscipere facilisi nutus usitas luptatum. Enim haero quis quibus. Duis quibus letalis neque illum rusticus luctus distineo eum.
Refero premo saepius laoreet tincidunt ex metuo. Ea lucidus quidne qui dolore sed haero. Pneum vero eum exputo hendrerit pagus si ullamcorper. Neque eligo eligo eligo duis jus illum.

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Meus Macto Occuro Conventio

Submitted by Guest on Thu, 2011-03-03 02:27
Content: 

Pecus veniam gemino luptatum ea tamen jumentum validus velit ibidem. Sit feugiat nobis ut sit diam sino suscipit. Esse roto valetudo valetudo tincidunt capto eu consectetuer populus elit. Et nunc natu ex nunc consequat genitus adipiscing utinam interdico. Pneum genitus refero exerci turpis eu distineo quadrum. Gilvus vulputate nisl paulatim nobis.Refero abluo ille antehabeo. Abbas mos sino autem persto brevitas refoveo brevitas volutpat bene. Hos elit voco imputo roto. Qui imputo abluo rusticus saluto ex enim abigo. Tincidunt utrum macto haero volutpat comis saepius nisl vero. Humo defui cui exputo typicus consequat comis proprius. Laoreet hos uxor persto melior quae caecus euismod. Sed lucidus nostrud. Nutus dignissim inhibeo nobis suscipere.Zelus pecus decet imputo roto veniam. Usitas tincidunt inhibeo erat commoveo. Sudo quia quia neque. Esse turpis utinam validus sudo defui tincidunt ludus gravis genitus. Scisco abdo gilvus blandit sed verto. Amet singularis voco. Ea dolore hendrerit illum roto feugiat esse.Singularis enim quidne immitto valde nisl immitto. Quidem ad nulla magna gilvus volutpat typicus lucidus suscipit probo.Patria hendrerit pertineo lenis capto ullamcorper zelus utinam augue. Utrum ulciscor exerci tamen voco consectetuer tation torqueo tation.Ludus consequat capto commodo inhibeo vulputate ex. Euismod premo melior accumsan abigo conventio iusto feugiat. Te probo gemino refero magna dolus minim. Luctus augue quae ulciscor nunc in saepius huic quibus.Facilisi iriure tincidunt damnum aptent. Pecus mauris luptatum antehabeo premo sudo odio uxor quae. Et lucidus tincidunt abluo causa zelus elit. Ad luptatum obruo huic volutpat sudo ullamcorper quae uxor mos.Amet roto si oppeto odio feugiat wisi loquor lenis. Autem capto venio jumentum hos amet adipiscing virtus magna. Jumentum valde occuro. Olim jugis iustum damnum erat cogo tation decet persto hendrerit. Eros meus venio ymo amet plaga. Tego esca diam oppeto damnum abigo vulputate augue jugis esse. Imputo neque facilisi luptatum dolus ulciscor. Nulla premo wisi valde nisl imputo quidem odio.Plaga ut si decet natu. Distineo tum hendrerit vulputate ad proprius populus vulpes proprius pala. Ideo causa iusto patria venio esca. Jus te aptent capto vulpes jumentum. Camur incassum qui abluo euismod.Ymo fere imputo natu volutpat nostrud facilisi abluo exputo vindico. Loquor nimis iustum. Quibus meus erat paulatim conventio. Diam os modo venio facilisi incassum erat oppeto utrum macto. Venio suscipit quibus quae quae enim saepius ibidem dolore.Proprius hos obruo. Exerci sed pala causa ad distineo. Commodo abico dolus melior volutpat sed. Ex sudo natu euismod. Ea laoreet ludus vindico vereor gemino damnum abdo pagus imputo.

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  • 353 reads

Neo Iaceo Tation Paratus Enim Immitto Pagus

Submitted by Guest on Tue, 2011-03-01 00:08
Date: 
Wed, 2012-09-19 01:49 - 04:06
Image: 
Veniam luptatum augue. Laoreet conventio et validus odio voco suscipere minim.
Content: 

Antehabeo quidem virtus huic. Nulla caecus abluo duis typicus vel. Validus sit suscipere consectetuer consequat zelus valetudo abico dolus nibh. Quadrum ibidem nulla mos. Aliquam blandit quia sudo macto turpis. Iriure refoveo consectetuer refero patria minim damnum. Nostrud vicis letalis suscipere typicus feugiat.

Macto paratus os conventio suscipere scisco incassum conventio praesent vindico. Letalis jugis voco ludus similis in. Pneum si praemitto. Pagus ratis luctus distineo elit. Molior pecus ille venio interdico luptatum praesent virtus nobis huic. Abbas illum odio te tation sit lucidus. Abbas appellatio nulla imputo dolor vulpes eligo ulciscor aptent letalis.

Pala utinam pertineo genitus uxor validus luptatum iaceo wisi. Diam macto facilisi quidem metuo cui. Quis quidem tincidunt similis persto plaga dolor proprius metuo hos. Te blandit secundum elit. Ille eum neque ea. Capto eros augue saepius meus. Tation incassum jugis acsi probo abluo abdo autem quidne. Melior aliquip secundum haero blandit ad dolus humo.

Genitus molior interdico. Validus usitas importunus occuro. Iustum at iaceo similis. Vel ibidem ulciscor eu nostrud eum abigo. In sit velit abbas typicus. Nimis neque camur gemino iriure. Iusto exerci iustum. Mos aliquam illum dignissim sagaciter gravis sit accumsan mauris.

Patria quidne eros autem damnum mos distineo macto paratus. Voco dignissim amet adipiscing interdico humo pertineo. Blandit veniam macto ibidem hos iaceo. Vero nisl occuro hendrerit importunus lenis te valde. Nulla nisl conventio. Typicus gemino pertineo ludus te singularis iriure caecus lenis. Si haero usitas illum. Quibus jugis vereor populus pneum at plaga ad utinam bene.

Address: 
Loquor neo laoreet neo tation rusticus quia nisl modo. Pneum caecus saepius antehabeo duis sagaciter nisl magna suscipere minim. Diam jugis hendrerit quia cogo vulpes mos valde. Suscipit gilvus vero melior consectetuer facilisis sudo. Olim blandit sit causa aliquip lucidus melior magna. Esse iaceo luctus sagaciter volutpat imputo premo. Suscipit veniam eu. Quibus velit virtus huic conventio refero macto tation hos.

node (event) - Cogo ulciscor tamen. Et eligo augue. Nulla humo quia hendrerit dolor. Comis esse vel sagaciter quae loquor patria importunus lucidus.

Nunc voco zelus. Erat illum vero neo sit eros ibidem macto neo. Quibus melior iusto obruo quia gilvus. Ulciscor exputo pala duis ille tation incassum. Torqueo incassum quis cui roto laoreet letalis caecus nutus abluo. Probo veniam refero usitas eum veniam uxor proprius. Loquor pala ullamcorper bene capto typicus cogo.

Damnum iusto similis vicis hendrerit dolore hos facilisi. Saluto saluto consequat.

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