Level 4 Weather Warning for disruptive rain issued

Residents are urged to remain cautious when driving on the roads during heavy rain

Image for illustrative purpose only. Photo: Pixabay

Article: Krugersdorp news 29 Jan 2021

A Yellow Level 4 Warning for potentially disruptive rainfall has been issued.

The following areas are expected to be affected:

  • Highveld of Mpumalanga
  • Gauteng
  • Extreme North East of North West
  • Western Bushveld of Limpopo

This could result in flooded low-lying areas, isolated cases of breakages of informal/farm dam walls, disruption of traffic and basic services, flooding of roads and settlements (formal and informal), danger to life (fast-flowing streams /deep water).

Practical tips to stay safe in adverse weather conditions:

General Rules to remember:

  • Regular home maintenance: Checking structures around your house for weak spots, clearing debris from gutters, fastening items that could become deadly projectiles, cutting away dead trees and branches and ensuring adequate drainage, is essential and will significantly reduce your risk. Reinforcing vital structures if you live in a rain, flood or wind prone area is also a good idea.
  • Good vehicle maintenance: Make sure that your vehicle is in tiptop shape and won’t let you down, even when the proverbial “high water” comes.
  • Eye on the weather: Always keep an eye on the weather forecast and look out for warnings of heavy rains and high winds. Avoid danger areas where possible.
  • SOS on speed dial: Make sure to have all emergency numbers, including that if your insurer, saved on your phone or memorised. Make sure that your whole family is thoroughly briefed on what to do and who to call in an emergency.
  • Raise the alarm: If you notice a possible safety hazard due to bad drainage, cracking structures, landslides etc., in a public area, alert the authorities immediately.


  • Standing firm: Make sure that your outdoor furniture and accessories are safely stored or firmly secured and that all gates and doors that need to be locked, are.
  • Beware the bolt: Heavy rains are often associated with lightning. It’s best to have surge protection plugs in place and/or to unplug appliances before the storm arrives.
  • Undercover: Where possible, park your car undercover and delay travelling until the storm has subsided. If you are caught in a heavy storm and you feel it’s not safe to drive, look for cover, pull over and/or seek shelter. This could include a covered car park, a petrol station or under a bridge. Don’t park under trees as there is a danger of falling branches and debris. Take extreme care when pulling-over, put on your hazard lights, and don’t risk your safety or the safety of others by dashing madly for cover. Stay in your car and only leave the safety of your sheltered spot when the storm has passed.


  • Sand savvy: It is sensible to purchase your own supply of sandbags, especially if you live in a flood-prone area. These can be placed against doorways and low-level vents in times of flooding to help minimise the amount of water that enters your home.
  • High value, higher up: Move high value items to the highest possible floor or shelf if a flood threatens.
  • Flip the switch: Turn off electricity and gas supplies if flooding occurs to limit the risk of electrical shock or a fire.
  • Make the call NOW: If you see warning signs like water seeping through the door or water eating away at your home’s walls and foundations, it’s best to head for higher ground immediately.  Do not wait for it to become a life-threatening crisis.
  • Cars don’t swim: Motorists should not attempt to drive in flood conditions. Remember that just 15cm of moving water can knock you off your feet and water just 60cm deep can sweep a vehicle away. You also run the risk of flooding your vehicle’s air intake, which will stall the engine. Generally, if the water is deeper than the bottom of your doors or the bottom third of your wheels, it is not advisable to drive through it.
  • High alert for low-lying spots: Flash flooding often occurs when rivers flow over low-lying bridges.  Avoid crossing bridges or roads next to rivers during heavy rains. If you do get stuck on a flooded road, switch to the lowest possible gear and proceed slowly.
  • Easy does it: If you approach a flooded spot at speed, it is advisable to take your foot off the accelerator and let your speed drop gradually. Never use the brakes suddenly because this may cause the car to skid or aquaplane.
  • Bailout: If your vehicle gets stuck during flooding, or starts to get washed away, rather abandon the vehicle and get to higher ground. It is dangerous to try and drive out of the water to safety.


  • Wind and fire could be dire: Wind and fire are a deadly combination. Be extremely careful when you make a fire, dispose of a cigarette, or when there’s a fire close to you on a windy day. Be wary of embers that can be picked up by the wind.
  • Window wise: Even a slight breeze can cause curtains to topple precious ornaments, so make sure that all windows are in a good condition and close properly. If your area is often hit by strong winds, consider installing protective blinds or shutters.
  • Counter steer: One is prone to counter steer against the wind. An approaching vehicle can briefly block the wind and cause you to land up in the way of oncoming traffic.
  • A firm grip: A strong gust of wind can throw you completely off course, so rather reduce speed and keep both hands on the steering wheel.
  • Tip top towing: Make use of vehicle that is big and strong enough for the load it must carry or tow. Also be cautious about how you load it – if it’s top heavy it will be very difficult to control in a strong wind. Remember to have a stabiliser installed for your trailer or caravan just for that extra peace of mind when towing on windy days.
  • Tie it down: Make sure that any load is properly fastened. A sail flapping in the wind can also easily be plucked off and potentially hamper the view of other motorists.
  • Obstacle course: Be on the lookout for uprooted trees, branches and other objects lying in the road, especially when driving at night.

Contact I&DRS for Building and Contents or flood & Storm insurance for your business today: (011) 778 9300

How will your personal information be protected by your insurers?

Article, justmoney.co.za ,23 Nov 2020By Isabelle Coetzee

In order to protect the personal details of South Africans, the Protection of Personal Information Act (POPI) has been implemented. It forces industries to reconsider how they handle client’s personal details.

This is particularly good news for sensitive products, such as insurance. We find out what POPI is all about, and we see how your information will be protected.

What’s the fuss about POPI?

According to Tlalane Ntuli, the COO and co-founder of Yalu South Africa, POPI seeks to regulate the processing of personal information for South African citizens.

“In terms of the Constitution, South Africans have the right to privacy. The POPI Act takes this a step further and regulates this enshrined right in line with the digital age,” says Ntuli.

“POPI was created to ensure that citizens who provide their personal information to companies and other entities are protected, and don’t have their details subjected to instances of abuse,” she adds.

The act has already been implemented, and companies have until 1 July 2021 to become compliant. Once done, clients will have their personal information, such as their phone numbers and ID numbers, protected from being abused by marketing campaigns or having it sold off to the highest bidder.

READ MORE: POPI Compliance may be a ‘last minute scramble’

What does this mean for your insurance?

Ntuli says that the POPI Act ensures that individuals who take out insurance have confidence that the company collecting their personal information won’t misuse it.

“They can rest assured that their personal information will not be processed for purposes that are unrelated to what it was originally intended for; or have it provided to third parties without their consent,” says Ntuli.

She explains that customers have the right to ask for the company’s privacy policy to allow them to gauge their level of comfort insofar as how their personal information will be used.

“They also have the right to ask which other parties their information will be provided to, and where any additional information that was not provided directly by the customer comes from,” says Ntuli.

“Finally, they have the right to be kept up to date on the purposes of retaining their information other than for the relevant policy documentation,” he adds.  

In order to understand how your personal information will be used, it’s useful to understand the standards to which insurance companies will be held accountable.

Chris Ogden, managing director at RubiBlue Information Technology Solutions, outlines the following points that insurance providers will likely consider when working with your personal information:  

  • If there is a breach, they will have a process in place that they will follow to help protect your information as much as possible.
  • If they use a separate provider to store your personal information, they will ensure that they are also POPI compliant.
  • If you’d like to find out what information they have on you in their records, they need to be able to provide this to you, via the PAIA Manual and act.
  • In terms of the various roles mentioned in the Act (such as personal owner, responsible party, or operator requirements), they will engage their legal resources to review how they fit into the picture and what their specific requirements are.
  • In terms of cover, there’s no difference in terms of what they will offer you. It’s just the compliancy of how personal information is handled, responsibly.
  • They need to consider whether they own your data or whether the underwriter owns your data. Depending on this answer, they will have different responsibilities.

Knowing that your insurance provider will protect your privacy is of utmost importance. We at I&DRS take great pride in our compliancy. Contact for a quote on your Commercial business , Domestic or even Liability and Travel insurance on +27 (0)11 778 9300 or charmaine@idrs.co.za

* POPI , POPI Compliant , Protection of Personal Information Act , JMSF , JMAdvice , Insurance

Tracker Alert – Car Theft Syndicate Scam

Picture: Daily Mail

In the spirit of protecting you, your family, friends and colleagues from harm, please share this useful information as it applies to any vehicle owner with a tracking device.   Scamsters have targeted the customers of several vehicle tracking companies in South Africa.   Vehicle tracking customers are being contacted by the scamsters who are pretending to work for the vehicle tracking company. They advise the customer that there is something wrong with their tracking unit and that they need to come out to repair or replace the device.   Once on-site, the perpetrators will claim that they need to test the device by taking the vehicle for a test drive or they will say that they can’t finalise the repairs on-site and need to take the vehicle back to the fitment centre.   If you or your clients are contacted about tracking device repairs by someone claiming to be from a vehicle tracking company, please ask the caller to take you through the security verification questions associated with the vehicle tracking device account in order to verify the legitimacy of the call.   If they are unable to do so, you should inform the caller that they will need to contact someone at the vehicle tracking company to confirm their authenticity.   It is important to keep the following in mind: A vehicle tracking company technician will never need to nor should they ask to test drive your vehicle  Always check the email address the request is sent from – this is often an immediate give away Customers can always confirm the validity of an appointment by contacting the vehicle tracking company.  

Hollard Insure Broker Communication Letter.

Its National Wills Week- have your Will drafted for FREE!

As an Organ Donor myself, I know I care about my legacy. Did you know that more than 75% of Organ Donors currently live without a valid Will in place – protecting your legacy is our priority. I&DRS , now a member of FPM Group of Companies are leading providers of Wills in South Africa with Capital Legacy, will send a consultant to meet with you at your home, office or wherever is convenient, to help you draft your Will. (Telephonic and online consultations are also an option, if prefer.)   Take this opportunity to have your Will drafted now, at no cost. Making sure you draft your Will correctly and professionally ensures that you effectively plan for the unexpected and protect your loved ones from disaster. It’s the responsible thing to do.
Don’t procrastinate. Book your Will consultation, at no cost, today.
Contact me via email: charmaine@idrs.co.za or contact my office on
 +27 (0)11 778 9300

Tap-tap and click-click. Black Friday deals that sound to good to be true.

Stay Safe this Black Friday – Phisheild News Letter Issue #10

Online shopping at this time of year needs more security-awareness. Black Friday is the perfect opportunity for cybercriminals to take advantage. 

In order to make their scams a success, fraudsters need to lure their potential victims to fake webpages and obtain their bank details. To do this, attackers register website domains, often containing the magic phrase ‘Black Friday’ and keep their registration data hidden.

Their sites are usually well designed and appear to be genuine and of high quality. Unlike many old typo-filled spam emails, phishing web pages are relatively easy to make look authentic – scammers can simply copy the source code from the real store’s website and make theirs appear to be a near-perfect match. Domain addresses are usually hidden until the event itself, so they are not blocked in advance by antivirus software vendors. The scam website is then activated immediately before the phishing mail goes out… 

For more detailed information, please visit: https://securelist.com/black-friday-report-2019/95109/ and be sure to be aware and take extra precaution. 

Please see the below infographic about tips on how to stay safe as a consumer. Feel free to share these tips with your family , Friends and Colleagues.


What is the need for the Trust Business Policy?

Cybercrime is rampant in the legal profession.  Losses due to cybercrime is not covered by the Legal Practitioners Indemnity Insurance.  The profession has been repeatedly notified of email interception fraud and advised to ensure that measures are put into place to avoid becoming a victim of crime.  Because the funds being held in trust are not the assets/property of the practice but the property of their client, there exists a greater fiduciary duty on the principal to ensure that they are not negligent with regards to transactions regarding funds held in trust accounts. In a high court ruling in 2019, the court held that a transferring attorney was negligent and failed to exercise the requisite skill, knowledge and diligence expected of an average practicing attorney.  The attorney had failed to discharge the fiduciary duty to the client by transacting via email while being fully aware that fraud is prevalent in the legal profession (see Fourie v Van der Spuy and De Jongh Inc and Others (65609/2019) [2019] ZAGPPHC 449).

What is the Funds Protect Trust Business Policy?

The product offering is designed to specifically insure against a loss for funds held in trust accounts administered by legal practitioners, property practitioners and all trusts as regulated under the Trust Property Control Act.  

  • A loss of funds
  • From a trust account your business administers
  • As a result of a funds transfer
  • Whether authorised or unauthorised
  • Due to the fraudulent conduct of a third party
  • Which is irrecoverable from the financial institution or third party
What is required for the cover?
  • All-access devices i.e. computers, laptops etc. used to make electronic transfers must be protected by internet security software as defined in our T&Cs
  • The business must have documented account verification procedures in place
What is the account verification procedure?

The trust administrator must have a documented procedure in order to:

  1. verify the authenticity, trustworthiness and integrity of all payment instructions received from the trust beneficiary
  2. verify requests to add/amend payee payment details
  3. use payment verification services before making payments from the trust account

The cover limits range from R50 000 to R5 000 000.  This product is only available through Phishield’s policy administration system Nimbis.  Please contact us directly to assist you with policy applications.   Please note that Ts&Cs apply and it important that you have a thorough understanding of the product to enable you to guide you client properly with regards to your cover.  I&DRS team is available for any questions that you may have.

Claim Scenario

Honest Attorneys received an email instruction from HLB Attorneys to make payment of trust funds held in the trust account of Honest Attorneys.  The trust beneficiary had paid a deposit on a property that already had a signed OTP and there was a dispute between the parties involved in the transaction.  The matter was later resolved and HLB instructed Honest Attorneys via email to pay the monies held in trust to the seller once the transaction was concluded. Honest Attorneys made payment and it was later discovered that the email of HLB Attorneys had been intercepted and the bank account details were changed by fraudsters.  The money could not be recovered and a claim was submitted to Phishield.  The claim was not paid by Phishield because Honest Attorneys had failed to:

  1. Verify the authenticity, trustworthiness and integrity of the payment instruction;
  2. Did not verify the payee payment details;
  3. Did not use payment verification services before effecting payment;
  4. There was no contract of the mandate signed between the legal practitioner and the client.

Disclaimer: I&DRS and Phishield will be sharing various claim scenarios with you . Please take note that not all the details of the scenario have been provided. Each claim is investigated and assessed based on the individual facts of the event and therefore it cannot be assumed that a similar claim submission would automatically be approved and paid. The type of policy, cover limit, and specific facts of a claim could influence the outcome of a Funds Protect claim.

Load-shedding could be devastating – especially if you’re not insured

Tips for households and businesses to mitigate against damage caused by load-shedding

Article: MoneyMarketing in Insurance, News, short-term insurance

As South Africa is plunged into darkness due to the latest round of load-shedding, Old Mutual Insure’s Insurance Expert, Christelle Colman warns that this could have severe implications for both households and businesses. She urged South Africans to take out insurance to protect themselves or if they already have insurance, to make the effort to familiarise themselves with the unique wording in their policies to make sure that any insurable events are covered in the event of a power outage.

South Africa has suffered rolling blackouts across the country in the past week after Eskom, the state-run utility which generates more than 90% of the country’s power, lost additional generating capacity following a cyclone in neighbouring Mozambique, which hurt electricity imports. Eskom was forced to step up load-shedding to stage 4 on 16 March when it removed 4000 megawatts from the grid to replenish water and diesel supplies at units designed to generate additional power.

“Insurance is there to ensure that customers are able to replace their assets should the need arise but it is also critical that they ensure that they have the correct cover in place and that all the necessary precautions are being taken to protect valuable assets,” says Colman. “All policies are different, so it is essential that each and every South African takes the necessary steps to reduce their risk of financial loss resulting from blackouts. This includes making sure that you have both the correct insurance cover in place for your needs, as well as adequate cover to insure the required value of your assets.”

While Old Mutual Insure’s data shows that there has yet to be a large increase in the number of overall claims due to the recent bout of load-shedding, experience shows that most load-shedding claims have previously been for items that may not necessarily be covered by an insurance policy in all circumstances. Claims are typically for things like the deterioration of food; the spoiling of refrigerated stock in trade; and damage to appliances or sensitive equipment due to a sudden power surge.

“While we have the deepest sympathy for all South Africans dealing with the implications of load-shedding there must be a realisation that each and every insurance policy out there is designed for a different set of circumstances,” says Colman. “Consumers must take the time to go through their policies to find out if they are covered for all the eventualities that could impact their unique circumstances during rolling blackouts.”

Tips for households and businesses to mitigate against damage caused by load-shedding

Old Mutual Insure has compiled a detailed list of tips and advice to help both households and commercial customers take proactive steps to mitigate the risk of possible damage or loss as a result of power outages:

  1. Unplug appliances and sensitive equipment: It is always a good idea to unplug appliances or any other sensitive equipment or electronic devices that may be vulnerable to power surges. The list of items that could be affected include cell phones, laptops, desktop computers, servers and LCD screens, all of which could be badly damaged when the power comes back on due to a spike in electricity flow. It is advisable that commercial clients install inverters to power critical equipment such as cash registers and point of sale equipment as well as UPS protection or surge protection on sensitive electronic equipment.
  1. Beware your generator: It is critical that generators are never used inside a home or enclosed workplace area as the emissions can cause asphyxiation. The heat from the generator or a faulty connection to your home’s power supply can also cause fire damage, which would not be covered as this would likely be deemed as negligence. Ensure that generators are installed by qualified electricians and that they issue you with an electrical compliance certificate. Generators that switch on automatically can also pose an increased risk and must be carefully managed.
  1. Test your alarm system: During load shedding, alarm power packs and batteries may wear out faster, resulting in reduced functionality. This may also cause alarm systems to produce false alarm signals or even to malfunction altogether. Many insurance policies require that you perform an annual or bi-annual alarm system check, which must be logged by your security company to ensure that it is in proper working order and that the battery is still functional. Failure to do so could impact your claim. You should also ensure that all alarm peripherals have fresh batteries if a wireless alarm system is being used.
  1. Install reserve power: To ensure that electric fencing and gates still work during load shedding, reserve batteries should be installed and maintained. While reserve batteries generally last for six to eight hours when the power goes out, load shedding dramatically decreases a battery’s lifespan, so it is incredibly important that these are tested or replaced, especially if the policyholder is planning to go away or shut down over a holiday period. Backup batteries are particularly important for commercial premises as their alarm systems typically require more power which necessitates the use of heavy-duty batteries. Clients with stock that requires continuous cold storage should consider installing back-up generators with an automated system that informs them of a power outage so that mitigating steps can be taken.
  1. Secure your premises: In the event that the power goes out, homeowners and commercial building owners are advised to ensure that their properties are locked up and adequately secured to reduce the risk of opportunistic theft. Not only will this reduce the risk of the theft occurring, but it will also make the claims process a lot easier in the event that a theft or robbery occurs.
  1. Be vigilant: Because the load shedding timetables are open to the public, criminals unfortunately may see blackouts as an opportune time to undertake illegal activities. As such, extra vigilance is required, particularly when arriving at or leaving one’s home or commercial premises during the evening. Keep a torch in your car should you arrive home in the dark and need to open your perimeter security gate manually.
  1. Light up your premises: Using solar power or battery-operated lighting to light up your premises can reduce the chance of opportunistic crime occurring. However, be sure to keep all such items fully charged.
  1. Review your insurance policies: Policyholders need to review the wording in their policies to see what is covered in the event of loss or damage to the contents of a home or building during a blackout. Policyholders are advised to speak to their insurance brokers about any additional cover that may be needed.
  1. Follow the load shedding schedule: Rather switch off sensitive equipment in a managed and planned way, particularly if you know that your area is likely to experience load shedding at a particular time. Some equipment that uses heat in the manufacturing process (e.g. plastic extrusion) can be damaged if not switched off properly.
  1. Be positive and hang in there: As Colman explains: “We have been through this before, so we know what the risks are and how to mitigate them. All we need to do now is buckle down and execute to mitigate the impact on our lives and businesses.”

How to protect yourself after the Experian data breach

The South African Banking Risk Centre (SABRIC) announced on 19 August that a data breach at Experian exposed the personal banking-related information of as many as 24 million South Africans and nearly 793,749 businesses.

Following the report, Experian issued a statement of its own to clarify the nature of the incident, saying that it was not hacked and that no financial information was compromised.

While Experian was trying to downplay the severity of the leak, South African banks were providing clients with tips on how to keep themselves safe from potential identity theft and phishing attacks.

This has caused a lot of confusion and raises questions regarding the severity and potential impact of the leak on South Africans.

According to Experian, an individual in South Africa who claimed to represent a legitimate client fraudulently requested services from the company.

Experian duly provided the data the “customer” requested because that is the business it is in — it collects, enriches, and sells people’s personal data for a variety of applications including consumer credit, risk analytics, debt management, marketing services, consumer insights, and direct marketing (i.e. spam).

Experian is not unique. Credit bureaus around the world offer the same services.

The real issue – You have no control over who can access your data

In other words, based on Experian’s explanation, there is nothing unusual about the personal data it gave to the alleged fraudster. The issue is that the person obtained the data under false pretences.

Experian assured banking clients that although it had brought to bear the full might of the law, the perpetrator was not trying to do anything particularly nefarious.

“Our investigations also show that the suspect had intended to use the data to create marketing leads to offer insurance and credit-related services,” Experian said in its statement.

“We can confirm that no consumer credit or consumer financial information was obtained. Our investigations do not indicate that any misappropriated data has been used for fraudulent purposes.”

Experian said that upon discovering the incident it notified the National Credit Regulator and the Information Regulator, and engaged with BASA, SABRIC, and the prudential authority at the SARB.

What many people may not realise is that this is an example of South Africa’s protection of personal information regime working as intended.

The Protection of Personal Information Act (POPIA) took effect from 1 July 2020 and it contains provisions that cover the disclosure of incidents where people’s personal data has been exposed.

While POPIA does place some additional responsibilities on companies who process people’s personal data in South Africa, there is nothing stopping credit bureaus from gathering and selling your personal information.

The real question South Africans should ask is: Why is it still possible for legitimate information brokers like credit bureaus to sell your personal data without telling you who they are selling it to?

What is the risk to me?

Assuming that this data leak indeed did not include credit or financial information and that the alleged fraudster did not distribute the data but intended to use it for direct marketing, then this leak is not serious at all.

However, if the alleged fraudster shared that data with someone who had greater ambitions than sending spam, that could put people’s identities at risk.

SABRIC expressed this well in its original statement to the media on the Experian incident.

“The compromise of personal information can create opportunities for criminals to impersonate you but does not guarantee access to your banking profile or accounts,” SABRIC said.

“However, criminals can use this information to trick you into disclosing your confidential banking details.”

How to protect yourself

SABRIC and Experian offered useful advice on steps you can take to protect yourself from identity theft:

  1. Monitor your credit report. This will let you know if someone is trying to apply for credit in your name. Experian (My Credit Check) and XDS (Splendi) currently offer unlimited free credit reports. TransUnion lets you request one free credit report every 12 months.
  2. If you suspect that your identity has been stolen, immediately apply for a free Protective Registration listing with Southern Africa Fraud Prevention Service (SAFPS). You can contact protection@safps.org.za, or request a listing via the SAFPS website.

In addition to the above two steps, banks and security experts have offered the following general advice to protect your identity, especially after a data leak:

  • Monitor your accounts. Keep an eye on your bank and credit card accounts. If you see transactions that you do not recognise, contact your bank to query them.
  • Enable SMS alerts. Banks let you customise when you receive SMS alerts for transactions on your account. This may attract a fee, so ensure you know how much it will cost to receive SMS alerts for lower value transactions.
  • Sign up for an identity theft monitoring service. XDS and TransUnion offer identity monitoring services in South Africa. TransUnion’s is priced at R99 per month and includes SMS and e-mail alerts if your information is detected on the dark web, and identity theft insurance to the value of R100,000.
  • Be vigilant online. All of the usual advice for staying safe online still applies. Don’t open any strange attachments or click on any links in e-mails, SMS messages, or WhatsApps claiming to be from your bank, SARS or any similar institution that handles your personal information. Rather type their website addresses directly into your browser’s URL bar. Beware messages that try to trick you into clicking on links or opening attachments through too-good-to-be-true offers or fear.
  • Change your online banking passwords, if you want. Though no bank data was leaked, change your online banking passwords if it will make you feel safe. Remember to choose a strong password and do not reuse a password you have used elsewhere.

Contact our I&DRS,  for Cyber Insurance options on :  011 484 9401

Disclaimer: I&DRS, member of FPM Group of Companies will always offer the best advise possible , however policies and insurers do differ in some regards . Therefore, the information provided herein should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your professional adviser for specific and detailed advice, alternatively contact our office on (011) 484 9401 for a specific needs analysis and record of advice to be done.


The Road Accident Fund (RAF) says it doesn’t need lawyers to represent claimants any longer, saying this has cost the institution billions in losses.

Acting CEO Collins Letsoalo says RAF collects about R43 billion in revenue, and pays out R26 billion worth of benefits, while R17 billion goes to the administrative costs. <img class=”aligncenter size-medium wp-image-1233″ src=”https://www.idrs.co.za/wp-content/uploads/2020/07/RAF-images-300×110.jpg” alt=”” width=”300″ height=”110″ />

Speaking on POWER Talk on Thursday, Letsoalo says about R10 billion of the R17 billion goes to the lawyers.


The RAF Commission Report of 2003 found that the institution in its current form is not equitable, also adding that it enriched the people that brought claimants and not the claimants themselves.

RAF has previously come under fire for monies owed to claimants and other irregularities within the fund.

Letsoalo says the RAF wants to reduce legal costs by 75%.

“In drafting this new plan, we looked at all these matters you need to reduce legal costs by 75% which is about R7.5 billion over the next three years.

“Our views is that to that the first thing we need to do is we need to settle this internally with enough capacity.

“Initially we thought we were insourced and we thought we needed these services, only to find out we need to settle 99% of the time and the view was that sometimes, we use internal capacity which are attorneys,” Letsoalo explains.

In April, the North Gauteng High Court had dismissed an urgent application by attorneys to continue as lawyers for the RAF.

Through litigation of RAF claims, 103 law firms have made a fortune as members of the “panel attorneys” since 2014.

However, 29 November 2019 was set as an expiry date for their contract to represent RAF.

The lawyers who were part of the RAF’s panel were ordered to immediately hand back all the case files in their possession.

<h6 class=”qt-subtitle”>WRITTEN BY ANDIPHE MBEBE ON 02 JUL 2020 15:11 – Power98.7</h6>
Did you know ? When you take out a Personal Accident policy for your Employees or Family with I&amp;DRS through SHA Specialist Underwriters, you will have automatic assistance with RAF (Road Accident Fund) claims?

<strong><span style=”text-decoration: underline;”><span style=”color: #ff0000; text-decoration: underline;”>24hr Personal accident policies are more affordable than you think .</span></span></strong>

<strong><span style=”text-decoration: underline;”><span style=”color: #ff0000; text-decoration: underline;”><img class=”size-full wp-image-1232 alignleft” src=”https://www.idrs.co.za/wp-content/uploads/2020/07/RAF-picture-2796-1.jpeg” alt=”” width=”200″ height=”200″ /> </span></span></strong>

As little as *R9,50 per Employee, Per monthAccidental Death – R50 000


Permanent disability – R50 000

Hospitalisation – R 2 000 per day max 14 days
<h4>Contact I&amp;DRS for a quote on (011) 484 9401 or email charmaine@idrs.co.za</h4>
<h6>*Minimum R150 policy premium</h6>

Kindnap & Ransom Policy responds – Surviving the Crossfire

Praesidio’s Kidnap & Ransom response consultants  S-RM recently managed the evacuation of a lone employee who was inadvertently stuck in Mozambique during an active assailant attack.  S-RM were successfully able to preserve the livelihood of the individual during the course of the 4 day operation by immediately communicating the following basic lifesaving principles to the lone employee:

  • Your phone is vital to keep you connected with S-RM – preserve battery life at all costs by:
    1. Keeping the ringtone / sound off
    2. Don’t make outgoing calls unless absolutely essential
    3. Only turn the phone on at specified times, unless absolutely essential
    4. Reduce screen brightness and resolution
    5. Turn on smart battery mode
  1. Use SMS rather than voice
  2. Use WiFi instead of 4G if available
  3. Disable non-essential apps/programmes running in the background
  • If a mobile device’s battery dies, it is only possible to establish its last recorded position through GPS data. In the event that the phone still has battery power, is switched on, but has run out of airtime, (a) emergency calls can still, usually, be made; and (b) its location can still be established, to approximately 100m through geolocation.
  • If a car is available, the keys should be kept on hand throughout.
  • Food is not critical but water is, stay hydrated.
  • If safe to do so, assess the current situation from your view point and feed that information back to S-RM.
  • It might become imperative to evacuate from the current hiding place.  S-RM will discuss how to respond to various scenarios, based on best, worst and most likely cases so you’re prepared to deal with these possibilities.

picture courtesy Daily Mavrick

A few basic principles goes a long way towards keeping you safe until the operation is complete.

Founded in 2005, S-RM has over 160 employees and has completed projects in more than 140 countries. Headquartered in the UK, S-RM has international offices in South Africa, Switzerland, Brazil, Hong Kong, and the US, in addition to project consultants worldwide.  Their backgrounds include academia, law enforcement, intelligence, management consultancy, journalism, finance, and the military, with over 25 languages spoken across their international offices.

All of Praesidio’s K&R /  Special Contingency policies include 24 hr access to S-RM and cover the unlimited fees for their services.

Contact I&DRS for a quote for your company or individual  K&R policy from Praesidio.

Tel: +27114849401 or email charmaine@idrs.co.za

SA motorists beware: Hijackers are back in business too

Johannesburg – Motorists are warned to be on high-alert and vigilant as the country eases out of lockdown. According to claims statistics from Dialdirect Insurance, hijackers are back in business.

“We have noticed that hijackings are back at the same level they were pre-lockdown. To prevent becoming another statistic, we recommend the following tips,” says spokesperson for Dialdirect, Bianca De Beer.

If and when possible invest in an electric gate. Many hijackings and home invasions happen just as you are entering or leaving your home. Having a well-lit driveway and an electric gate (that can switch to a battery during power failures) can help you get in and out safely.

Leave enough room between your car and the one in front to avoid being boxed in.

If you think that you are being followed, drive to the nearest police station. Don’t go home.

When driving home alone, always phone ahead to give a relative, husband or partner your established time of arrival.

Know your neighbours and the cars they drive. This will help to identify any uncommon vehicles in your area.

Adopt a search pattern radius to scout before approaching your home.

Adjust your speed when approaching a traffic light so that you do not have to come to a complete stop.

There are also seven golden rules to follow if you are accosted by a hijacker:

  • Remain calm.
  • Do not argue.
  • Do not make sudden gestures.
  • Avoid eye contact but try to remember what the carjacker looked like by identifying and remembering special features.
  • Comply with the hijacker’s directions (within reason).
  • Try and get away from the area as quickly as possible.
  • Don’t be a hero – your life is worth more than your car.

As we all know, prevention is better than cure, but in order to prevent a hijacking, situation one needs to be equipped with the correct information and knowledge.  Remember that the greatest weapon in a hijacker’s arsenal is not his gun, but the belief that it won’t happen to us. “Hijacking is a reality and you need to be prepared for this horrific eventuality,” concludes De Beer.

Article : iol.co.za 15 May 2020

1 2 3 18