Interesting articles about insurance
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Valentine Shopping

Is Valentines day a marketing hoax?

Numerous casual interviews with people on the street show that the majority of people view Valentines day as a way for marketers and retailers to make a fast buck.

1 Valentines day SPECIAL deals

Everywhere you go, red hearts, cupids and arrows mark the way. Shop fronts declare their Valentines day special in garish reds, silver, gold and a lot of bling. You can buy SPECIAL heart-shaped burger patties, heart shaped candy, Valentines day lingerie, T-shirts, cards, CD’s, roses, carnations … the list is endless.

If something has a red heart sticker, you can be sure that the price is inflated and you pay at least three times more than it’s worth. Flowers are suddenly priced at prices to clean out any wallet and anything red is suddenly a SPECIAL Valentines day gift.

2 Valentines day guilt trip

Marketing campaigns focus on lines like:

  • If you love her, buy ….
  • Show the man in your life you love him. Buy …
  • A SPECIAL gift to show the one you love …

Marketing campaigns use a bit of guilt to make people buy something for their meaningful other. The “if you love” part is a famous ploy to get you to buy something just to feel less guilty. People feel obligated to show that they care, even though most couples regard it as a bit of a shlepp.

3 Is Valentines day a glittering moneymaker?

Shop owners certainly make money on Valentines day, especially jewellery stores, florists, chocolate shops, restaurants, card shops and lingerie stores.

4 Valentines day hallmark

The hallmark of Valentines day is spending. The more you spend, the more you love your partner.

5 Valentines day left-overs

After Valentines day, store owners offer huge SALE discounts on merchandise thet didn’t sell. What can be worse than getting a heart-shaped burger patty three days after the 14th of February?  Actually, the SALE prices are more in line with what you should have paid for the items in the first place.

So, is Valentines day a marketing hoax? What do you think?

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Don’t drink and drive

The Top 10 reasons why Car Insurance does not pay out

According to the Ombudsman for Short Term Insurance, the following instances reflect the Top 10 reasons why  car insurance claims are rejected:

Why Car Insurance Claims are rejected:

1 DUI or Driving under the influence

Claims of drivers that were involved in an accident while under the influence of alcohol are summarily rejected.

2 Unlicensed driver

Claims of unlicensed drivers are not paid out.

3 Reckless Driving

The term reckless driving includes speeding, violation of road traffic regulations, high-risk driving and careless driving. If proof exists that the policyholder was guilty of any of the aforementioned traffic violations, the claim could be thrown out.

4 Driver not the “Designated” or “Regular” driver

If the designated or regular driver, as specified in the car insurance policy, was not the driver at the time of the accident, the claim may be rejected. Numerous claims have been declined because of this reason. Insurance Providers state that policyholders tend to specify themselves as the regular driver, instead of the younger driver who actually drives the car most of the time. The main reason is that younger drivers pay higher insurance premiums.

5 Vehicle  not roadworthy at time of accident

The Insurance Provider will conduct an investigation regarding the state of the car and if a vehicle is found to have been not roadworthy at the time of the accident, the claim will be rejected.

The following may cause a vehicle to be classified as not roadworthy:

• Faulty steering and steering gear

• Defective brakes and braking systems

• Tyres without enough tread

• Faulty exhaust systems

• Seatbelts and seatbelt anchorages not working

• General condition of car does not comply with roadworthy standards (corrosion, suspension etc)

6 Vehicle inspection

Most Insurance Providers require an inspection of a vehicle before the policy is activated. This is to satisfy the Insurer that pre-existing damage to the car in question is not claimed for later. If the car was not inspected, the Insurance Provider may reject the claim.

7 Private vehicle used for business

Insurance Providers specifically ask whether the vehicle will be usd for social and domestic purposes or for business. Non-disclosure of the fact that your car may be used for business purposes may result in rejection of your claim.

8 Non-secure overnight parking

If the Insurance Provider was under the impression that your car will be parked in a locked garage at night and it was stolen or damaged whilst being parked out on the street, chances are that your claim will be denied.

9 Unsatisfactory security precautions

A number of Insurance Providers insist that vehicles certain should be fitted with a specified security device. Your car insurance claim may be rejected if you did not comply to this specification.

10 Not covered by policy

A number of claims are rejected because the policyholder was under the impression that he was covered for something when in fact the policy states otherwise.

Tip: Read your policy through carefully and be aware of any exclusions. Study the Terms and Conditions and ensure that your car insurance is paid up to date.

 

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Madiba

Nelson Rolihlahla Mandela was born  in Mveso, Transkei on July 18, 1918 and died on December 5, 2013 at his home in Johannesburg.

In 1993 he was awarded the Nobel Peace Prize. He voted for the very first time in his life during 1994 and was inaugerated as  South Africa’s first democratically elected President on May 10, 1994.

He was and still is an inspiration to all.

Quote 1: “A good head and a good heart are always a formidable combination.”

Nelson Mandela was a formidable person and through his philosophy of forgiveness and compassion, he set an example not only for South Africans, but for everyone across the world.

Quote 2: If you want to make peace with your enemy, you have to work with your enemy. Then he becomes your partner.”

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Madiba and Francois Pienaar at 1995 Rugby World Cup

Madiba proved this statement of his, when he proposed a new national anthem, combining the former anthem with Nkosi Sikelel’ iAfrika, which means “God Bless Africa.” He won the heart of the nation when he walked onto the field at the end of the 1995 Rugby World Cup in  Springbok colors. That action depicts his wisdom and ability to be a true leader.

Quote 3: “I can’t pretend that I’m brave and that I can beat the whole world.”

Mandela conquered the world not by force, but by his compassion, his unique leadership, his spirit of forgiveness and his ability to reach people with his words and actions.

The legacy of Nelson Mandela will live forever.

Ref:

“Nelson Mandela.” BrainyQuote.com. Xplore Inc, 2014. 10 January 2014. http://www.brainyquote.com/quotes/authors/n/nelson_mandela.html

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