Murray, April and Ray would like to wish all our clients a very happy, relaxing and safe holiday period. It's a time of year when we often reflect on the people and things that matter most to us. If you'd like to make sure that your loved ones and prize possessions are properly protected, please don't hesitate to call us in the new year to review your insurances. HOLIDAY INSURANCE CLAIMS If the unexpected happens and you find yourself needing to make an insurance claim duri

Not all Insurance policies are created equal – even if they have the same name. Before you change your Insurance policies, consider these four tips, to ensure you are not just saving a few dollars, but you’re also putting yourself in a better position. Like for like? Are you replacing your existing policy with a policy that is reasonably similar, and has the same benefits and conditions? If not, the savings you are making may be at the expense of having a comprehensive insura

Making your insurance work for you isn’t just a matter of signing on the dotted line. It’s important to ensure that your cover is fit for your needs when you take it out, and continues to meet your needs as time goes on. Here are some important things to consider both before and after you take out your cover. Get help with the detail Whether you’re just exploring your insurance options or have already signed up, it’s key that you understand the details of your policy. Of cour

No doubt you’ve heard this before: “Save money for a rainy day”. It might be easier said than done (especially with the household budget and other expenses to meet), but it’s good advice. The truth is, it might well ‘rain’ at some point in the future. Creating a healthy emergency fund is like building a solid (financial) shelter from the storms of life. But how much should you set aside? And why, exactly? Here are some key points to get you started. Why it’s so important? Rec

Thinking about the unexpected isn’t always easy and – especially when you’re young, healthy and dependent-free – the ‘worst case scenario’ may not be on your radar yet. But there are plenty of reasons to consider Insurance at a young age. If you belong to the Millennial generation or know someone who does, this quick read may help you put a couple of things into perspective. No one is bulletproof Sadly, recent research found that certain medical issues are no longer limited t

Your own business is more than just a job – it’s your livelihood, your idea, and a large part of your life. So of course, it’s vital that your business is protected. There are ways to safeguard this important asset against the unexpected, such as the untimely loss of a key person – be it the owner, partner or key employees – due to death or serious illness. Key Person Insurance is designed to help you absorb the potential loss of revenue and/or increased costs, enabling you t

It’s not an easy thing to have to contemplate, but it’s an important question. The reason it’s worth asking is that every parent knows that there is only one place you would be if your child became critically ill. And that’s by their side. How would you and your family cope? Have you ever woken up to the prospect of an extra-long to-do list or found yourself staring at a screen full of emails waiting for your attention? You’re just getting wired up for the day ahead when your