How to insure yourself against the effects of loadshedding

Eskom has implemented rolling blackouts in an effort to control generating capacity due to severe problems at its power plants.

However, many Eskom consumers are having to deal with electrical appliances that are damaged by the power cuts and now it appears there are serious insurance implications!

While power surges can cause appliances to short-circuit, malfunction and even be destroyed - security experts say homes could be targeted by criminals during load-shedding as neighbourhoods are left in the dark.

Speaking to 702's Xolani Gwala, Senior Assistant Ombud at the Short Term Insurance Ombudsman, Peter Nkhuna advised homeowners to double-check that even in the event that their home is robbed while they are away on holiday and the alarm doesn't go off due to loadshedding, they are still insured.

Speak to your insurer to find out under what circumstances you would enjoy cover, find a way of working around it. Most ensurers would be flexible, you'll find that in the case of an alarm requirement, they remove that requirement in exchange for you paying a higher premium. If you cannt come to some kind of understanding with your own insurer, maybe it's time to shop around and find another insurer.

Listen to Xolani's full chat to Senior Assistant Ombud at the Short Term Insurance Ombudsman, Peter Nkhuna...

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