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When does time barring start on an insurance policy?
This period is usually three years from the date of repudiation of a claim. “Time barring” is the period specified in a policy during which time you must institute action. This is normally a much shorter period than the three-year prescription period.
What does underinsurance mean on an insurance policy?
Underinsurance is when the insured value of your property or item on your insurance policy is less than its replacement value at the time of loss, damage or theft. For instance, if your home is worth R800 000 and you insure it for only R600 000]
How is consequential loss excluded from an insurance policy?
In principle, you should not be placed in a better position than you were before the loss or damage. In other words, the insurer shall not compensate you for more than the value of the insured property. Consequential loss is normally excluded from the cover provided by a policy.
Last Update: Oct 2021
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