South Africa: Insurance Laws and Products

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Insurance law and insurance regulation thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as reinsurance, insurance law and insurance products.

A Significant Judgment On Claims-Made Professional Indemnity Policies And Late Notification

The Plaintiffs operated restaurant businesses and appointed the Defendant, an insurance broker, to procure commercial insurance on their behalf. On 4 June 2019, the Defendant procured policies from Renasa Insurance Company Ltd...

South Africa Insurance

AA

Adams & Adams

Political Risk Insurance: A Potentially Growing Role To Play In Encouraging Investment Into Developing Countries And Some Legal Aspects In Relation To The Operational Management Of Political Risk Insurance In Jurisdiction

Political Risk Insurance ("PRI"), which serves to protect assets and financial interests, offers a safeguard against adverse actions or inactions of governments and serves to mitigate...

Worldwide Insurance

E

ENS

Subrogation Vs Procedure: Who May Swear Discovery Under Rule 35?

The Johannesburg High Court recently dealt with an interlocutory application concerning compliance with discovery obligations under Uniform Rule 35(1) in pending insurance dispute action proceedings between the parties.

South Africa Insurance

AA

Adams & Adams

Delictual Liability, Consumer Protection, And Public Policy: An SCA Turning Point

The SCA, on 27 January 2026, delivered a judgment with significant and far-reaching implications for the insurance industry, particularly liability insurers.

South Africa Insurance

AA

Adams & Adams

Beneficiary Disputes In Living Annuities: A Wake-up Call For Insurers And Advisers

South Africa Insurance

AA

Adams & Adams

Prescription vs Time-Bar Clauses: When Delay Defeats An Insurance Claim

South Africa Insurance

BI

Barnard Inc.

The Consequences When Insured Parties Fail To Disclose The Truth

South Africa Insurance

BI

Barnard Inc.

No Pay, No Indemnity: Assignment-Only Settlement Does Not Trigger Coverage

South Africa Insurance

AA

Adams & Adams

Triggering The Exclusion: How A Firearms Clause Shielded An Insurer From Liability

South Africa Litigation

AA

Adams & Adams

The Impact On Private Actors (Inclusive Of Insurers / Reinsurers) Of The Recent Advisory Opinion Of The International Court Of Justice On The Obligations Of States In Respect Of Climate Change

South Africa Environment

E

ENS

Mind The Wording: No Coverage Without A Clear Demand — Lessons For Claims Teams

South Africa Insurance

AA

Adams & Adams

A Cautionary Tale For Underwriting Managers: Enforcing Insurers' Right To Data Access

South Africa Insurance

AA

Adams & Adams

Estoppel Without Words: A Cross-Border Lesson For South African Insurers

South Africa Insurance

AA

Adams & Adams

Policy Wording Matters: US Electromagnetic Field Ruling Offers Cautionary Tale For South Africa

South Africa Insurance

AA

Adams & Adams

Pop-up Webinar | Revised COMESA Competition Regulations, Now In Force (Video)

South Africa Anti-trust

E

ENS

AI-driven Catfishing: The Rise Of Sophisticated Romance Scams

South Africa Criminal

E

ENS

Africa Tax In Brief

South Africa Tax

E

ENS

2026 Budget Speech: Highlights

South Africa Tax

SG

SNG Grant Thornton

The Dealmakers' Moment: Six M&A Trends Shaping 2026

Worldwide Commercial

Ai

Andersen in South Africa

Georgia Federal Court Upholds Insurer's Reliance On Pollution Exclusion For Chemical Leak Fatality

A Georgia-based contractor specialising in cooling system installations was sued after a maintenance worker died from exposure to leaking refrigerant gas at a facility where the contractor...

South Africa Environment

AA

Adams & Adams

US Court Holds Email Notice Of Intent To File Third-Party Joinder Constitutes A "Claim" When Sent, Not When Read, Under Claims-Made Policy

The United States District Court for the Eastern District of Pennsylvania has recently held that a letter notifying the insured of the sender's intent...

South Africa Insurance

AA

Adams & Adams

SCA Raises Uncertainty Over Safeguarding Of Insurance Benefits In Insolvency Proceedings

The Supreme Court of Appeal ("SCA") recently handed down judgment in Prinsloo v Majiedt N.O. and Another, addressing the protection of benefits of long-term life insurance policies under section 63...

South Africa Insurance

E

ENS

Credit Insurance Under Scrutiny: Court Enforces Fairness In Lending Practices

The recent judgment in the matter between the National Credit Regulator (NCR) and the credit lender company (the respondent) marks a significant development in the regulation of credit insurance practices in South Africa.

South Africa Insurance

AA

Adams & Adams

Who's Covered To Drive? The Hidden Risks In Car Insurance

South Africa Insurance

AA

Adams & Adams

Policyholder vs. Insurer: A Legal Showdown Over A Repudiated Claim

South Africa Insurance

AA

Adams & Adams

Broken Windows, Unbroken Law: Lessons In Proving Negligence And Duty Of Care

South Africa Insurance

AA

Adams & Adams

Obligations Of Insurers Related To Cybersecurity And Outsourcing

South Africa Technology

WW

Webber Wentzel

How LA's Wildfires And Climate Change Could Set South Africa's Insurance Market Ablaze

South Africa Insurance

AA

Adams & Adams

No Tracker, No Payout: Court Denies Motor Insurance Claim!

South Africa Insurance

AA

Adams & Adams

Hidden Perils Under The Surface Of Building Insurance

South Africa Insurance

AA

Adams & Adams

When Can A Medical Scheme Cancel Membership For Non-Disclosure?

South Africa Healthcare

FW

Fairbridges

The Fine Print In Claims-Made Policies: When A Claim Is Not A Claim

South Africa Insurance

AA

Adams & Adams

Is Non-Disclosure A Policy Killer?

South Africa Insurance

BI

Barnard Inc.

Hidden Perils Under The Surface Of Building Insurance

The primary purpose of building insurance is to protect property owners from financial losses due to damage to their buildings.

South Africa Insurance

AA

Adams & Adams

When Can A Medical Scheme Cancel Membership For Non-Disclosure?

In a unanimous decision recently handed down by the Constitutional Court, it was held that a medical scheme cannot cancel membership for failure by a member, during the underwriting process...

South Africa Healthcare

FW

Fairbridges

The Fine Print In Claims-Made Policies: When A Claim Is Not A Claim

The interpretation of what constitutes a claim under a claims-made policy is often a contentious issue. Ambiguities in policy wording frequently lead to disagreements...

South Africa Insurance

AA

Adams & Adams

Is Non-Disclosure A Policy Killer?

In March 2021, an Eastern Cape woman experienced a life-changing trauma when she was injured during an attempted hijacking at her home.

South Africa Insurance

BI

Barnard Inc.

Toward Triage For Fraudulent Claims

South Africa Healthcare

FW

Fairbridges

Cybercrime – Court Reaffirms Who Bears Responsibility For Payment Where Email System Is Spoofed!!

Cybercrime remains rife, despite the efforts to combat it. In a recent court case, the court reaffirmed the legal position as to who bears responsibility for payment...

South Africa Criminal

AA

Adams & Adams

But-For Test In Action: Uncovering The Contractual Liability Exclusion In D&O Policies

Directors and Officers (D&O) insurance policies often exclude claims arising from actual or alleged contractual liability. These exclusions typically prevent coverage when the company...

South Africa Commercial

AA

Adams & Adams

Weather Whiplash: Why Insurance Is More Essential Than Ever!

The snowfall last week, which impacted much of KwaZulu-Natal and parts of the Free State, serves as yet another reminder of South Africa's increasingly unpredictable weather patterns.

South Africa Insurance

AA

Adams & Adams

Debt Crisis In South Africa: Are Preservation Orders The Ultimate Lifeline For Creditors?

South Africans are among the most highly indebted people in the world. With the unemployment rate showing no signs of improvement, there is no end in sight for this crisis. Persistent socio-economic

South Africa Finance

AA

Adams & Adams

Defending Against Rising Credit Application Fraud

South Africa Criminal

E

ENS

Little Wiggle Room: The Power Of Payment Certificates In Construction Contracts

South Africa Insurance

AA

Adams & Adams

Liability Insurance: Can A Third-Party Plaintiff Successfully Sue An Insolvent Policyholder?

South Africa Insurance

AA

Adams & Adams

"Pay To Be Paid" Clause In Liability Insurance Policy Tested

South Africa Insurance

NR

Norton Rose Fulbright

Liability Insurance: What Happens When The Insurer And Policyholder Disagree On Settling The Matter?

South Africa Insurance

AA

Adams & Adams

The Rising Impact Of Secondary Perils

South Africa Insurance

NR

Norton Rose Fulbright

Cybersecurity Insurance: Are You Cyber Insurable?

South Africa Technology

SG

SNG Grant Thornton

Legal Battle Over Towed Vehicle Ends In Favour Of Insurer

South Africa Insurance

AA

Adams & Adams

Medical Complications Ahead – The NHI Bill And The Reshaping Of Health Insurance And Schemes

South Africa Healthcare

FW

Fairbridges

Structuring Of Agricultural Insurance Products – The Tax Pitfalls Of Getting It Wrong

South Africa Insurance

E

ENS

"Big Read Book Series"

South Africa Insurance

NR

Norton Rose Fulbright

Tax In Brief | Issue 119

South Africa Tax

E

ENS

What's So Arb-Itrary About Onions, Petroleum Jelly And Hot Chillies?

South Africa Media & IT

AA

Adams & Adams

Judicial Reminder: The Ethical Obligation And Fiduciary Duty Of Plaintiff Attorneys To Discourage Baseless Legal Actions

South Africa Insurance

AA

Adams & Adams

When Time Runs Out: A Court's Take On The Timely Assessment Of Insurance Claims

South Africa Insurance

AA

Adams & Adams

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