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.

Dismissal For Want Of Prosecution In South African Law: A Strategic Imperative For Defendants

A Johannesburg High Court recently dismissed a plaintiff's insurance claim after more than thirteen years of inordinate delay and failure to prosecute.

South Africa Litigation

AA

Adams & Adams

The 2025 VAT Law Amendments Impacting The Short-term Insurance Industry

Important to the short-term insurance industry are the amendments, which took effect from 1 April 2026...

South Africa Tax

E

ENS

Key Person Appointments Under The Insurance Act

Section 14(1) of the Insurance Act, 2017 provides that the appointment of certain key persons “must be approved by the Prudential Authority and takes effect only if the Prudential Authority approves the appointment”.

South Africa Insurance

E

ENS

Protests Inside Shopping-Centres: Risks For Centre Management, Shoppers And Employees

Public protest is a protected constitutional right in South Africa.

South Africa Insurance

AA

Adams & Adams

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

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

Worldwide Insurance

E

ENS

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

South Africa Insurance

AA

Adams & Adams

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

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

Newsflash | Consumer Protection Act Amendment Regulations, 2026

South Africa Media & IT

E

ENS

When Enforcement Overreaches: What A Recent FICA Judgment Means For Sanctions

South Africa Finance

E

ENS

Kyk Gou Wat Doen 'N Blazer! From TikTok To Trademarks: Can A Viral Trend Give You Trade Mark Rights Overnight?

South Africa IP

AA

Adams & Adams

Blocking The Spam 16 Years In The Making

South Africa Finance

E

ENS

Chuckles, But No Laughing Matter

South Africa Commercial

BI

Barnard Inc.

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

A recent decision from the United States District Court for the Southern District of California, in the matter between Del Mar Woods v. Philadelphia Indemnity Insurance...

South Africa Insurance

AA

Adams & Adams

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

A recent High Court judgment highlights the critical importance of strict compliance with binder agreements and licensing conditions in the insurance sector.

South Africa Insurance

AA

Adams & Adams

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

A recent decision from the Appellate Court of Illinois, in the matter between Monroy-Perez v. Sentry Select Insurance Co., 2025 IL App (1st) 241711, serves as a stark warning to insurers...

South Africa Insurance

AA

Adams & Adams

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

A recent decision from the United States Court of Appeals for the Seventh Circuit, in the matter between Hammond Power Solutions Inc. v. National Union Fire Insurance Co. (2025)...

South Africa Insurance

AA

Adams & Adams

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

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

South Africa Insurance

AA

Adams & Adams

SCA Raises Uncertainty Over Safeguarding Of Insurance Benefits In Insolvency Proceedings

South Africa Insurance

E

ENS

Credit Insurance Under Scrutiny: Court Enforces Fairness In Lending Practices

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

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

On 10 February 2021, the Plaintiff was injured by a falling glass window while walking on the pavement in front of the Defendant's premises, in Johannesburg. The glass window fell from the Defendant's building.

South Africa Insurance

AA

Adams & Adams

Obligations Of Insurers Related To Cybersecurity And Outsourcing

The Financial Sector Conduct Authority (FSCA) and Prudential Authority (PA) have announced that Joint Standard 1 of 2024 (Outsourcing by Insurers) and Joint Standard 2 of 2024 (Cybersecurity and Cyber Resilience Requirements), will be effective on 1 December 2024 and 1 June 2025 respectively.

South Africa Technology

WW

Webber Wentzel

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

The devastating wildfires that have swept through Los Angeles and other parts of California have highlighted the growing risks associated with climate change. These fires, intensified by prolonged droughts and extreme heat.

South Africa Insurance

AA

Adams & Adams

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

On 31 January 2025, the Pretoria High Court delivered a judgment in a motor insurance case in which the insurer rejected the policyholder's claim following the theft of their vehicle.

South Africa Insurance

AA

Adams & Adams

Hidden Perils Under The Surface Of Building Insurance

South Africa Insurance

AA

Adams & Adams

Court Rules: Public Liability Insurance Is Not A Free Pass For Careless Behaviour

Recently, the Johannesburg High Court dismissed a personal injury case against an institution, finding no evidence of negligence or wrongdoing on its part.

South Africa Insurance

AA

Adams & Adams

Pre-Closure Of Pleadings Intricacies: Recent Court Ruling Reaffirms Time Is Of Essence

Once a party has been effectively served with summons, they must act promptly and follow the procedures set out in the Uniform Rules of Court ("the Rules of Court").

South Africa Insurance

AA

Adams & Adams

Festive Season Approaching: Be Wary Of Your Insurance Increased Risk Clauses

In a matter of weeks, the festive season will be in full swing. This period usually comes with numerous lifestyle adjustments, including traveling, acquiring new items...

South Africa Insurance

AA

Adams & Adams

Raising The Bar: Insights On Why Sub-Standard Expert Reports Fail In Court – Lessons From A Recent Insurance Repudiation Case

On 16 October 2024, the Pretoria High Court delivered a judgment in an insurance case where the insurer had repudiated the policyholder's claim on three grounds: The policyholder drove at an excessive speed...

South Africa Insurance

AA

Adams & Adams

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

South Africa Criminal

AA

Adams & Adams

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

South Africa Commercial

AA

Adams & Adams

Weather Whiplash: Why Insurance Is More Essential Than Ever!

South Africa Insurance

AA

Adams & Adams

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

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

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