Geysers that burst is more common in winter.

The last thing you need in the middle of winter is for your geyser to burst.

Why your geyser could burst during winter

Expansion and contraction of the geyser tank and its components occur during normal usage as hot water leaves the geyser and is replaced with cold water. However, in winter, cold-water temperatures drop considerably. As a result, the temperature difference between the cold water entering the geyser and the hot water leaving the geyser is much more significant than in summer. This increases the rate of expansion and contraction, leading to metal fatigue that ultimately causes a geyser to burst

How to minimise the chances of your geyser bursting

Typically, geysers have a lifespan of five years and over this time they corrode. You can lengthen the lifespan of your geysers by maintaining it properly.

Experts recommend that geysers are serviced by a qualified plumber every three years.

You can ease the burden on your geyser by turning the thermostat down to 600C and fit a geyser blanket to help reduce heat loss. This will help reduce your geyser’s power consumption and ultimately, your electricity bill.

It is wise to switch off your geyser from time to time, especially during peak electricity demand periods, but it’s best to not let it get cold, as this additional contraction-expansion cycle could decrease the life span of your geyser, whilst also consuming more electricity to rewarm the water.

Three signs to look out for that tells you your geyser is about to burst:

1. Hard Dripping Water Outside the Home

Don’t confuse hard dripping water with the normal dripping from the geyser overflow pipe. The dripping to look out for will come from the thicker white 50mm PVC pipe.

 2. Water Marks Showing on The Ceiling

There should be no water contact with your ceiling boards, so the sudden appearance of new spots or patches is a sign of trouble.

3. Dirty Water Flowing Out of The Hot Water Tap

Brown or rusty water suddenly coming through your hot taps is another warning sign that you should not ignore.

If you observe any of these early warning signs, contact your plumber immediately. Do not delay or postpone this as it is an indication that the geyser could burst at any time. Besides destroying fixtures and fittings in the property, a geyser that burst can also cause serious injury or even death, so it’s worthwhile getting your geyser checked.

What To Do in The Event of a Burst Geyser

  • Shut off the water at the mains.
  • Turn off the power to the geyser.
  • Open the hot water taps to relieve the pressure of the geyser.
  • Limit the damage as much as possible using buckets and cloths.
  • Call your plumber.
  • Iemas Insurance Brokers policyholders with insurance assistance home assist can use the free plumber call-out service, which includes one-hour free labour when a geyser burst. This service is also available outside of working hours.
  • Remember to ask your plumber to send a quote or invoice to your insurance company immediately.

Iemas Insurance Brokers offer cover for your geyser. Contact us today to enquire about GeyserSure cover:

Call: 0860 102 383

SMS: “Geyser” to 32297 (SMS costs R1)

Email:  sti@iemas.co.za

Terms and conditions apply.

Article content derived from the following resources: 

home-dzine.co.za with information from Marc McRae from plumbing4U.co.za.

news24.com/drum geyser article published 23 May 2016 with information from Budget-Insurance, Graham Craggs.

Iemas Insurance Brokers (Pty) Ltd is an authorised financial services provider | FSP 47563

Managing your risk in adverse weather

Adverse weather such as gale-force winds, hail, and floods are becoming increasingly common, and we can’t ignore the fact that it’s almost winter. Find out if you are adequately covered against extreme weather events and take the necessary precautions.

When at home or at your business premises

Any property that could be damaged outdoors should be taken inside or covered, such as patio furniture or decorations.

Precautions against water damage:

Sign up for flood alerts and invest in flood protection bags.  

Have elevated storage space available to move critical household items from the ground, out of reach of water damage or to minimise water damage.

Heavy rainfall can overwhelm gutters, downpipes, and drains. It is therefore necessary to ensure your gutters are cleaned out regularly.

Precautions for freezing conditions:

Freezing conditions can burst pipes, and accidents are more likely in cold weather. So, be sure to grid icy paths, service your heating systems and insolate wherever possible.  

A backup generator is a good investment as adverse weather can cause local power outages.

Precaution against gale-force winds:

Gale-force winds can damage premises. Your home’s roof, windows, and doors should be checked periodically to ensure it doesn’t have damage and make repairs if necessary.  

Nearby trees should also be monitored for health. Weak or dead branches within the falling range of property should be removed as branches can easily penetrate a roof or window.

Once a storm has passed, it is a good time to properly inspect electronics, check for gas leaks, and note any repairs or actions needed, such as debris clean-up.

When on the road

Ensure your vehicle is always in roadworthy condition, especially when driving in adverse weather, and ensure you have enough fuel to get you to point B.

Carry an emergency kit in your vehicle containing items such as reflective jackets, a working torch, and an emergency triangle in the case of a breakdown.

Stick to major routes where possible and allow extra time for driving.

Turn your headlights on to ensure your vehicle is visible to pedestrians and other motorists.

Fill a water bottle with windscreen wash.

Reduce your speed and maintain a good following and stopping distance.

Wear sunglasses to improve your vision when the sun is low.

Avoid harsh braking or accelerating.

Evaluate if a trip in adverse weather is essential. However, never feel pressured to complete a journey in weather conditions that are too dangerous. The best is to park your vehicle within a structure, such as a garage or a carport and if this is not available, cover it with a thick blanket to minimize impact damage caused by hail and other elements.

However, the number one prevention is always to make sure you’re insured. You could be taking on some serious expenses for business or personal if you’re not covered against the effects of adverse weather. 

Remember to have photos of your property and vehicles available, so you have a point of comparison for your insurance company if you suffer damages. 

If you require more information on sufficient cover against adverse weather or a comprehensive home and motor insurance quote, contact Iemas Insurance Brokers today:

Call: 0860 102 383

SMS: “Quote” to 32297 (SMS costs R1)

Email:  sti@iemas.co.za

Terms and conditions apply. Iemas Insurance Brokers (Pty) Ltd is an authorised financial services provider  |  FSP 47563

Iemas Insurance Brokers – Your caring partner in employee benefits

Iemas Insurance Brokers, authorised financial service provider (FSP 47563) and wholly owned subsidiary of iMasFinance, now offers cover against injuries not covered by COIDA.

An organisation can only exist and grow if it has a strong workforce – supporting and developing the business no matter the challenges it faces daily. However, accidents happen and to ensure the continuation of day-to-day business and a healthy and safe workforce (with minimal down time), a business needs all the help and support it can get.

Iemas Insurance Brokers brings to you a new product that covers injuries not covered by CODIA. Cover options include:

Augmentation

  • Earnings enhancements to a maximum of R7.5 million for employees earning above the COID limit
  • Cover calculated on employee’s actual package – allowing them to maintain their standard of living
  • Covers accidents while at company-owned dwellings (Mining only)
  • Benefits enhancements to a maximum of R 7,5 million for employees earning above the COID limit.

Commuting Journey, Crime & Injury Policy

  • Cover for death or injuries as a result of an incident which occurred while travelling to or from work and work sanctioned events
  • Cover enhances employee protection by providing insurance cover against crime and injury for up to R7.5 million
  • Benefits payable as per COID

Commuting Journey Policy

  • Covers your employees for injuries or death from accidents that take place while they journey between home and work – on a reasonable direct route
  • Covers employees with COID benefits while using any form of transport

COID International

  • Ensures that employees who work outside South Africa can still enjoy cover for occupational injuries or diseases

Riot and Strike

  • Covers non-participating employees for injuries or death, arising from riots, strike, faction fight or similar disturbances.

Speak to an Iemas Insurance Brokers consultant today about protecting your workforce, and ultimately your business by calling 0860 102 383 or sending an email to sti.commercial@iemas.co.za. For more information about Iemas Insurance Brokers, visit www.iemasinsurnacebrokers.co.za.

Secure your most important asset – your workforce

Secure your most important asset – your workforce

Iemas Insurance Brokers, authorised financial service provider (FSP 47563) and wholly owned subsidiary of iMasFinance, now offers 24-hour cover against injuries not covered by COIDA.

An organisation can only exist and grow if it has a strong workforce – supporting and developing the business no matter the challenges it faces on a daily basis. However, accidents happen and to ensure the continuation of day-to-day business and to secure a healthy and safe workforce (with minimal down time), an organisation needs all the help and support it can get,

To secure your business, Iemas Insurance Brokers has introduced a new product that covers injuries not covered by CODIA and offers against the following:

Augmentation

  • Acts as a top-up cover of the COID benefit for those that earn above the COID maximum payment limit (R 30, 236).
  • Provides augmented compensation for work-related disablement for death or disease.
  • Benefits enhancements to a maximum of R 7,5 million for employees earning above the COID limit.

Crime and Injury Commuter Journey

  • Provides cover in the event of death or disability due to an accident or crime while traveling between home and work.

Commuters

  • Covers employees for death or disability while commuting as a non-professional driver, passenger or pedestrian.
  • Provides stand-alone protection beyond the RAF.

COID International

  • Covers employees seconded outside of South Africa for longer than 12 months.

Riot and Strike

  • Provides employees with cover for injuries or death arising from riots, strikes, factional fights or similar disturbances.

Speak to an Iemas Insurance Brokers consultant about securing your workforce on 0860 102 383 or email us on sti.commercial@iemas.co.za. For more information about Iemas Insurance Brokers, visit www.iemasinsurnacebrokers.co.za.

Safety tips to keep your prized possession on the road

How to talk about money to your children

Enjoy more happy miles with your vehicle by using the below vehicle safety checklist:

  • Ensure that your car is completely roadworthy. Check the tyres, brakes, windscreen wipers and lights (headlights, fog lights and break lights);
  • Make sure that you have an emergency kit in your car, this will include: jumper cables, foldable reflective triangle, tow rope, emergency window hammer with seatbelt cutter and a basic first aid kit;
  • Make sure you have all the required tools for changing a tyre;
  • Get any window chips and cracks repaired as soon as possible;
  • Make sure your car licence disc and your drivers’ licence are both still valid;
  • Check your oil and water regularly;
  • When travelling long distances, have a second driver to assist with the drive time.
  • Make sure you have Insurance Assist with Iemas STI and that you save the number on your phone, to assist you during an emergency on the road.
  • If your car is making strange noises or if it feels like something is wrong with your car, pull off at the nearest petrol station, shopping mall or parking area where you feel safe. Lock your call and call the Insurance Assist provider (as per your insurance policy).

We offer affordable comprehensive short-term insurance for your car and home, buildings and personal belongings. Get up to 12 multiple quotes to choose from – our claims process is easy and efficient.  In addition to securing your belongings, we also secure your family and future with life cover, funeral cover, retirement plans, disability cover, education savings plans and more.

Speak to one of our consultants today, visit our website or download the app:  0860 102 383 | www.iemasinsurancebrokers.co.za.

You can never go wrong with having a valid Will in place.

Iemas Insurance Brokers expert talks Wills – what a valid Will is and why it is important to have one.

Charles Makondo National Sales Manager: Life Mass Market at Iemas Insurance Brokers, answers a few questions on Wills and the importance of having one:

Question 1: Why is it important to have a Will?

Charles: A Will is a very important document that we all need to have in place for when we are no longer with our loved ones. If you do not have a valid Will in place when you pass on, then your assets will be dealt with interstate and the state will appoint an executor on your behalf who will handle your estate.

The consequence of this is that your estate will not necessarily be divided and allocated as you would like it to be and the settlement of your estate could possibly take years. In addition, you also need a Will to specify who should take care of your children or dependents when you are no longer there. If you do not do this, the state will decide what will happen to your children. So, it is important to get a Will in place as soon as possible if you do not have one yet. If you do have a Will in place, it is important to review it annually.

Question 2: What are the requirements for a Will to be valid?

Charles: For a Will to be valid in South Africa it has to adhere to the requirements as set out in the Wills Act 7 of 1953. These requirements include that:

  • A person must be over the age of 16 years;
  • The Will must be in writing;
  • The Will must personally be signed by the Testator/Testatrix, at the bottom  the end of each page;
  • The signing of the Will should be witnessed by two competent independent witnesses, who sign at the bottom of each page.

However, many options that are specific to your estate that may be overlooked or legalities may not be taken into consideration if you do not have your Will reviewed by a testamentary specialist. These oversights may result in your Will being regarded as invalid which could lead to a costly legal exercise to rectify or for your Will to be contested after your demise.

Question 3: How does Iemas help your clients to draw up a Will and how much does it cost?

Charles: It is important to note that it is not necessary to be an existing client of Iemas, anyone can contact us regarding drafting their Will.  We have a partnership with a reputable specialist organisation that drafts Wills and keeps a physical copy on behalf of the client. The drafting of the Will and its safekeeping is free of charge.

Question 4: Are there any other documents one should have in place in case something unexpected happens to you?

Charles: We refer to a Life File which is basically a file with all your important documentation like your Will but also other documents like proof of all your investments, life insurance, your assets and liabilities, insurance policies, bank details, ID document copies, access to passwords and so forth. We have a very useful video on our YouTube channel where we explain what exactly you should have in your Life File. Your family will benefit greatly from this file, so make sure they know exactly where it is safely stored.

So don’t delay – act now, contact us today to give you and your family financial peace of mind.

Women doing it for themselves – useful financial tips to help you take control of our finances.

Useful financial tips

In celebration of women’s month, we share a few simple financial tips that you, as a financially independent woman, can implement as part of your journey towards financial wellness:

  • Take charge of your finances: Taking control of your finances and making important financial decisions is not always easy and it might seem easier to just pass this big responsibility on to your spouse or family member like a brother or father. However, you will feel more in control and empowered if you can manage your finances all by yourself.
  • Create a budget: A budget helps you to track your income and expenses so that you know exactly how much you earn and what you spend your money on. It also helps you to keep track of your debt re-payments so that you do not fall behind on re-paying your loan accounts. Remember to stick to your budget and to update it on a monthly basis.  
  • Where to save and where to splurge: It is not easy to cut expenses from your budget. Start by including your essential expenses (i.e. rent, medical aid, insurance, all your loan accounts). You can contact your financial service providers, to enquire about cheaper options available to you. In terms of your variable costs, such as groceries, list all the items you bought during the month and have a look at which items you can leave out of your shopping basket next month.
  • Invest wisely: Start investing wisely now and your future self will thank you for it. Make sure that you have a retirement annuity and investment plan. Iemas Insurance Brokers, a wholly owned subsidiary of Iemas Financial Services, offers various savings and investment plans (including retirement annuities) that will meet your needs and help you reach your goals.
  • Keep a Life File: A Life File contains all your important documents such as your Will, copy of your ID, investments, loan accounts, assets etc. Make sure that you keep your Life File up to date and in a safe place. Let your spouse or a family member know where you keep your Life File should something happens to you – your family will need this file with all your important documents if something unforeseen happens to you.
  • Start a side hustle: Want to make extra cash?Start by looking for opportunities online, there are many companies looking for part-time consultants or sales representatives. Think cosmetic brands, online tutoring or even your own side hustle like baking or repairing clothes.

Live Financially Well with Iemas Insurance Brokers

Speak to one of our consultants about comprehensive insurance solutions that you can trust and afford. From vehicle and home contents insurance to savings and investments, we might just have an affordable solution for you. Contact us on: 0860 102 383 or visit iemasinsurancebrokers.co.za.

Source: https://economictimes.indiatimes.com/8-money-tips-for-women-in-the-new-year/tomorrowmakersshow/70275040.cms

Vehicle insurance 360 – the added ‘extras’ you cannot afford to leave out of your policy.

Having comprehensive vehicle insurance is a must – especially when your vehicle is financed – as the vehicle has to be insured to protect both the financial service provider as well as you, the consumer against accidental damage or losses.  A basic vehicle cover will not be enough to prevent financial loss in case of an accident, theft or a breakdown. “Insurance has developed into a holistic product and service offering that gives consumers options to cover them in every event” says Lize Badenhorst, General Manager: Short-Term Insurance at Iemas Insurance Brokers.

Buying a new vehicle is a very exciting process, but also a huge financial commitment. Risky as it may be, many consumers take a short-term view and just take the basic insurance option and even worse, sometimes cancel their insurance policy a few months after the vehicle has been bought. “This is very dangerous as it puts both the consumer and the finance provider at risk. In addition, many consumers take basic or third party insurance which offers very limited cover. There are many different options that add a lot of value and have to be considered when taking out vehicle insurance. Covering your vehicle should not be an afterthought,” explains Badenhorst.

So what are the options?

Most consumers are familiar with comprehensive insurance and third party insurance. Comprehensive insurance covers the consumer for the damage to their own vehicle as well as the damage to the other vehicle (third party), it also covers the vehicle in the event of a fire or theft. Third-party insurance only covers the damage to the other vehicle, however fire and theft cover can be added on. The value added or additional cover options that consumers often forget about includes car hire, shortfall cover, roadside assist, own vehicle damage/loss, mechanical breakdown cover, excess waiver and tyre insurance.

“Car hire seems like a ‘nice-to-have’, however how do you get around when your vehicle is being repaired or being serviced? Our clients have the option to hire a vehicle for 30 days or 60 days – you never know when you will be involved in an accident and sometimes the damage takes a long time to repair” says Badenhorst.

When financing a vehicle, the financed amount is often more than the retail value, which means that the shortfall (difference between the financed amount and retail value) needs to be covered. This is a very necessary product as many consumers do not take this into account when they finance a vehicle.

Roadside assist is the product you always wish you asked your broker to include in your policy when you are stuck next to the side of the road” says Badenhorst. Roadside assist includes anything from petrol supply when you run out of petrol, to towing your car when it breaks down (mechanical breakdown). It is important to know exactly what your roadside assist includes and to save the number on your phone when you need it most.

Mechanical breakdown cover, is different from roadside assist in that it is not a value added service but rather a product that covers your vehicle for any mechanical malfunction or breakdown when your manufacturer warrantee expired. “Warrantees expire, so it is important that you include this in your policy for when the warrantee is no longer valid”, says Badenhorst.

Another all-important insurance cover product that comes in handy when you need it – even when the accident was not your fault – is excess waiver. In most cases, a shortfall amount is required when you are involved in an accident. This is the amount that is not covered by your insurance policy, however if you have excess waiver insurance, you will not have to pay the excess out of your own pocket.

We all know how expensive tyres are and many of us are not aware that most insurance products do not cover damage to your tyres alone. This is where tyre insurance come in; it covers you for any damage to your tyres including damage from dreaded potholes where the vehicle itself was not damaged and not covered by your underlying policy.

“Vehicle insurance is not a one size fits all and sometimes it can seem quite complicated as there are many options available. However, it is advisable to discuss all the above-mentioned options with your broker to make sure that you are not caught off-guard and under-insured when something happens to your vehicle” concludes Badenhorst.  It is therefore very true with insurance, not to reduce your cover during hard times as it may just be a penny wise, pound foolish decision. 

Holiday safety is more than just locking up and being vigilant

Holiday safety

It is no secret that the holiday period presents an opportunity for criminals to take advantage of holiday goers. According to the South African crime statistics for 2020 released by Stats SA and the South African Police service, a total of 18 162 car-jackings and 205 959 burglaries at residential premises were reported last year.

How can you protect yourself against theft?

Lize Badenhorst, General Manager: Short-Term Insurance at Iemas Insurance Brokers states: “Unfortunately you cannot do much about criminal activity. However, you can protect your possessions. Even if you have an alarm, beams and cameras to protect your home, criminals can still find a way to de-activate these security systems. What also happens is that they follow you home and carjack you just as you arrive at your property – no security system can protect you from that. If you happens to suffer such an incident, then at least all will not be lost if your short-term insurance is in place and up to date”.

How can you adequately secure your possessions?

Having insurance is as important as having medical aid – especially when it comes to protecting your home over the holiday period. However, very few people understand what comprehensive insurance means, which often leads to confusion and frustration when it is time to claim. “It is important to understand what exactly you are covered for and what other options are available to you. There are insurance products available that provides insurance against holiday scams and money lost through holiday scams.” says Badenhorst.

Which items do you have to include in your home contents insurance policy?

All the items that would fall out if you had to turn your house upside down, are the items that needs to be covered under your household contents insurance policy – and then at the current replacement value. So, if you only include certain items in your policy, neglect to update the value of the items in your policy to reflect their current value, or forget to add new items you purchased since taking out the policy, then your insurer might not pay out the amount you need to replace all your items. “There are also certain items that needs to be specified in your policy such as cellphones, jewelry, laptops and tablets. However, your broker can advise you which items needs to be specified” says Badenhorst.

What about insuring your family?

If something happens to you, your family will not only suffer emotionally but also financially if you did not plan and provide for them. “People often neglect to cover their family. If you do not have a Will in place, the government will become your executor and if you do not have life or funeral cover, your family will have to find their own means to carry on. This is very difficult, especially in circumstances where there are children involved” advise Charles Makondo, National Sales Manager: Life Mass Market at Iemas Insurance Brokers.

“This upcoming long weekend provides for a very exciting break for everyone, even if you stay at home. Just make sure that the things and people you love are covered against any event” concludes Makondo.

Long weekend safety tips: How to stay safe while still having fun in the sun.

Long weekend safety tips

We all deserve a good break, but not at the cost of our health and safety. As we look forward to the upcoming long weekends, we share a few tips to keep you safe and healthy:

Home Safety Tips:

  • Inform your security company that you will be going away so that they can keep an eye on your house;
  • Before you leave your house, make sure that all the windows and doors are closed and locked-up.
  • Install a timer to switch lights on and off while you are away;
  • Unplug all unnecessary appliances such as the TV and kitchen appliances, as well as switching off the geyser;
  • If possible, ask someone you trust to come to your house while you are away so that there can be movement in and around the house;
  • If you have done renovations in your house or bought new items, it is always important to inform your insurer and update your cover
  • Ensure that your home content insurance is always up to date so that when you have to claim all your items are covered;

Vehicle Safety Tips:

  • Ensure that your car is completely roadworthy. Check the tyres, brakes and windscreen wipers;
  • Make sure that you have an emergency kit in your car, this will include: jumper cables, foldable reflective triangle, tow rope, emergency window hammer with seatbelt cutter and a basic first aid kit;
  • Make sure you have all the required tools for changing a tyre;
  • Get any window chips and cracks repaired before travelling;
  • When travelling long distances, have a second driver to assist with the drive time.
  • Make sure you have Insurance assist with Iemas STI, to assist you during an emergency on the road.

Health Tips:

  • Keep spare masks and hand sanitizer in your car and luggage;
  • Make sure that when you dine out, the table, menu, cutlery and condiments are sanitized;
  • When you shop, sanitize all items that you bought and keep a safe social distance at all times;
  • Make sure that your holiday accommodation is sanitized and cleaned regularly.

Iemas Insurance Brokers offers affordable comprehensive short-term insurance for your car and home, buildings and personal belongings. We can give you up to 12 multiple quotes to choose from and our claims process is easy and efficient.  In addition to securing your belongings, we also secure your family and future with life cover, funeral cover, retirement plans, disability cover, education savings plans and more. Iemas Insurance Brokers is an authorised financial service provider (FSP 47563) and wholly-owned subsidiary of Iemas Financial Services. Speak to one of our consultants today, visit our website or download the app:  0860 102 383 | www.iemasinsurancebrokers.co.za.

Source: https://zululandobserver.co.za/240002/safety-tips-to-follow-before-you-go-on-holiday/