Before working with an insurance broker, many clients want to know why they should and what the benefits are. #TeamApio lists these points to help you make a decision. A broker provides you with proper and relevant advice, this makes the claims process simple and...

Active managed funds Actively managed funds are funds in which portfolio manager(s) take a hands-on approach in the buying, holding, selling, selection and weightings of assets within a fund with the goal outperforming a given benchmark. Passively managed funds A Passively managed fund is a fund designed to...

Risk management is perceived by most people as simply buying insurance. As a result, many companies take out insurance assuming they will be protected from all the risks that they face. As Covid-19 has demonstrated, this approach is a rapidly eroding model that doesn’t take...

You've heard a lot about the increasing cyber threat and have considered insurance, but what exactly does it all mean. #TeamApio unpacks some of the terminologies here and measures to take to protect yourself. Identity theft Criminals can steal your identity by obtaining information about you so...

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...