By Somthemba Makinana, Apio Group There is a misconception that has driven the younger generation to perceive insurance as a luxury purchase. The common idea is that “if it’s not cheap, then I’d rather not have it”. False.  You need insurance more than you think when you...

Assess your risk for POPIA Just because the business is small does not mean that it is low risk from a POPIA perspective. Some products or services are inherently invasive (e.g. lead generation, profiling and unsolicited direct marketing). They are high risk because their clients will...

#TeamApio recently attended an online presentation by the renowned social media lawyer Emma Sadlier at the Digital Law Company https://www.thedigitallawco.com/. Here is what we learned. When sharing information you need to understand that if you wouldn't put it on a billboard, you shouldn't put it on...

Thinking of no longer being around is not something we think of regularly, however, it is important to make sure that your paperwork is in order and easy to follow in the event of your passing. Once you have put this information together, you will need...

Article by Tracker, published on FIA.org.za Don’t have a vehicle tracking service yet? Here are three reasons why vehicle tracking is essential. 1. Stolen vehicle recovery For some people, a car is one of the most significant assets that they own. It is also one of their most...

When considering car insurance, it's always advisable that you establish what you will have to pay out of your own pocket if you ever have to claim. If you have had the unfortunate experience of having a motor accident, you may understand how the claim will...

We have children who have just obtained their learner licences and it’s an exciting time for them to get behind the wheel and learn how to drive. The same cannot be said for their parents! It is extremely nerve-wracking to see them drive off with...

Insurance ensures that you and your family will have financial security should anything unforeseen happen to your goods or property. Reducing or cutting insurance costs often results in a cover or amended terms resulting in unanticipated risks and costs should anything happen to you or...

You've heard it all before where a fake vehicle is advertised online at a price that will attract you as the buyer. When you respond you receive more photographs of the car, an explanation of why the vehicle is at a reduced price and an...

Opinion by Herman Kellerman, Apio Group I regularly come across clients who ask their “friends” of the family and acquaintances to quote them on their insurance policies. I always wonder if the client has ever really considered the impact if they chose the wrong broker? So, the...