Are you keeping you to date with your home maintenance? If not, you could have a nasty surprise on the next claim against your home insurance. That is not all, you need to keep up to date with your policy conditions and that the renewal...

Very few people read their policy wording document, which then results in having to face unforeseen challenges. It is when there is a need to claim that missed or misunderstood clauses result in a possible rejected claim. #TeamApio breaks down some instances that could result...

It is that time of year again and now with restrictions in place to combat the spread of COVID-19 this year, a lot of people will travel locally for the December holidays. Apart from ensuring you have a supply of reusable masks and hand sanitiser,...

First published by Momentum Driver’s licence We do not reject claims where a driver’s licence has lapsed but can be renewed without a mandatory driving test. A South African driver’s licence card is the only valid proof that you have a driver’s licence. An expired licence card does not...

The economic downturn and resultant unemployment have resulted in increased crime. Scamsters have become more cunning and creative with a sudden increasing trend towards theft by “false pretence”. Fueling this is the emerging crimes such as cyber-crime and data theft which make the public even...

As we all know, crime in South Africa has been increasing at a rapid rate and this is why it's critical for one to have all their belongings insured. You might think that certain things are more important than others until its gone and you...

Eskom occasionally implements power cuts across the country as a strategy to ease pressure on the supply of electricity. As the country is plunged into darkness, individuals and companies become anxious about the disruptions and the consequent loss or damage to property that may occur. Apio's...

Ensuring that you are appropriately covered by your insurance and finding ways to save costs are both critical. The team at Apio put together a few pointers to help you save on your insurance premiums. Make sure that you chat with your consultant before making...

Asset Property owned by one’s estate. It may include items such as your properties and contents, cars, shares, investments, retirement benefits, etc. Beneficiaries The listed individuals and/or institutions that shall inherit your estate in the event of your death Bequest An act of giving personal property or...

The lockdown due to COVID-19 has negatively impacted most sectors of the economy leading to an increase in unemployment, yet the cost of living keeps going up. As a result, there has been a significant increase in the crime rate. Our claims team has recorded...