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Suretyship vs Guarantee. What’s the difference?

02 May 2024

In this article, we look at two primary forms of security commonly found in financial transactions, namely suretyship agreements and... guarantees, and explain the difference between these two forms of security.

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13
Article

Leave to Appeal vs Special Leave to Appeal

02 May 2024

On 4 April 2024 in the matter of Savannah Country Estate Homeowners Association v Zero Plus Trading 194 (Pty) Ltd... and Others (773/2022) [2024] ZASCA 40, our Supreme Court of Appeal (“SCA”) had to address the important difference between an application for leave to appeal and an application for special leave to appeal. In this article, we analyse the SCA’s views in this regard.

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13
Article

Suretyship vs Guarantee. What’s the difference?

02 May 2024

In this article, we look at two primary forms of security commonly found in financial transactions, namely suretyship agreements and... guarantees, and explain the difference between these two forms of security.

READ MORE
13
Article

Leave to Appeal vs Special Leave to Appeal

02 May 2024

On 4 April 2024 in the matter of Savannah Country Estate Homeowners Association v Zero Plus Trading 194 (Pty) Ltd... and Others (773/2022) [2024] ZASCA 40, our Supreme Court of Appeal (“SCA”) had to address the important difference between an application for leave to appeal and an application for special leave to appeal. In this article, we analyse the SCA’s views in this regard.

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13
Article
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Filter: Insurance
Road Accident Fund claims: Must I pay back my medical scheme?

21 November 2014

You were in a motor vehicle accident and your medical aid scheme covered your medical costs. On advice of your... attorney you also submitted a claim to the Road Accident Fund for your medical expenses. The Road Accident Fund indicated it was prepared to pay out your claim but now your medical scheme insists that the medical costs it paid be recovered from the amounts paid out by the Road Accident Fund. Is this correct and must you pay back your medical insurer for your medical costs?

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335
Article
Big or small, all employers must register for Unemployment Insurance

24 August 2014

Many smaller businesses and low-level employers are under the assumption that the size of their business and/or the number of... their staff has a bearing on whether they are liable to contribute to the Unemployment Insurance Fund (UIF) or not. This article conveys information on who is liable to register for UIF, how employers may register and with whom. We also address the monthly contributions to be made as well as the threshold to be considered when calculating monthly contributions. Lastly we look at the sanctions that can be imposed for non-complaince with UIF.

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333
Article
Laying the right foundation: Be wary of construction defects and rejected insurance claims

20 May 2013

Acquiring a home is often a major investment decision, yet ironically, sometimes also a decision resulting in great financial loss.... Homeowners frequently experience loss through theft or damage to their home, with damage generally arising from accidents or natural causes. It is for these reasons that it is critical for a homeowner to protect his interests, principally through obtaining homeowner’s insurance policies. These insurance policies help reduce your risk by moving the risk of loss or damage to the insurer in exchange for the payment of a premium. However, obtaining homeowner’s insurance does not mean you are covered for every eventuality. Is this protection absolute, or does it have exclusions and terms and conditions which may affect the extent of your protection? Knowing the terms of your insurance and understanding the implications thereof are important to ensuring that your primary asset is well protected against future loss or harm.

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319
Article
What is the relationship between you and your insurance broker?

27 September 2012

We all have insurance and we all have worked with an insurance broker at one point or another. The media... is also full of insurance advertisements that create the impression that the right insurance broker will cover you for all eventualities. But is this truly the case? And if not, where does the broker’s responsibility to ensure that you are sufficiently covered end and where does yours, as the insured person’s, start?

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270
Article
Checked your life insurance recently? Find out why you should!

27 September 2012

Life changes happen regularly and unannounced and often one is so pre-occupied with surviving these changes that you forget the... long-term implications they can have. One oft neglegted item, is the regular reviewing of the beneficiaries of your life insurance policy, particularly after a life changing event such as death, divorce or birth has occurred. The insurance policy, intended to protect and support the future of family and dependants, may, because of neglect in this regard, result in unanticipated and even unwanted consequences for your family and dependants after you are gone and unable to ‘correct’ the mistake.

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335
Article