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Online shopping at this time of year needs more security-awareness. Black Friday is the perfect opportunity for cybercriminals to take advantage. 

In order to make their scams a success, fraudsters need to lure their potential victims to fake webpages and obtain their bank details. To do this, attackers register website domains, often containing the magic phrase ‘Black Friday’ and keep their registration data hidden.

Their sites are usually well designed and appear to be genuine and of high quality. Unlike many old typo-filled spam emails, phishing web pages are relatively easy to make look authentic – scammers can simply copy the source code from the real store’s website and make theirs appear to be a near-perfect match.

Domain addresses are usually hidden until the event itself, so they are not blocked in advance by antivirus software vendors. The scam website is then activated immediately before the phishing mail goes out…

Please see the below tips on how to stay safe as a consumer.

Avoid shopping from websites that appear suspicious or flawed

Don’t click on unfamiliar links you receive in emails or social media messages

If it is not the official brand’s website domain, do not click on the link

Hover over the linked text in the email or message and see which URL it will actually open

Invest in a robust cybersecurity solution to protect all your devices

Reduce the amount of funds you have in your bank in your bank and online accounts

Restrict the number of attempted transactions on your bank card

Use two-factor authentication

These valuable tips come to you from Phishield

Please contact AIB Cape or your broker directly, should you wish to discuss this risk.

November 11, 2020

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Loadshedding Tips Chubb Alarms

With the recent announcement that load shedding will again have an impact on many households and businesses, security becomes a very topical discussion. It is important to adopt the right precautions to protect your most valued assets.

Monitoring and security systems, like access control and alarms are dependent on electricity. But what happens when the electricity goes off? Does this mean you, your family, your business are vulnerable to unwanted visitors?… Not at all.

As South Africa’s leading fire and security company, Chubb prioritises your safety ahead of all else. This is why we’ve put together a list of five safety tips that will keep you safe during load shedding. We cannot stress enough that having an alarm system battery that is in perfect working conditions is of utmost importance.

Normally a perfect backup battery will power system for eight hours (dependent on how many devices are linked to that battery). It is also important to have your alarm system serviced every year.

Don’t leave anything to chance and follow these precautions:


  • Ensure that you have sufficiently sized back up battery on your alarm system, to ensure uninterrupted power to your security system during an outage.
  • Keep candles and rechargeable lights handy in case of unexpected power cuts. Always have a torch in your car, should you arrive home in the dark and need to open your security gate manually.
  • It can be helpful to install battery operated or solar lights around your home to assist at night.
  • Always be cautious at night when approaching your home. This is especially important during a power outage. Keep your portable panic button on our near your key ring.
  • Ensure that you have your security provider’s numbers programmed into your cell phone.


Home and business owners can stay informed about load shedding by accessing schedules at their local municipal offices or by visiting the Eskom website on

October 12, 2015

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Loadshedding Tips ADT Alarms

Important Security Hints and Tips to Consider During Load Shedding

In light of the recent and continuous power cuts/load shedding throughout the country, ADT Security has outlined important hints and tips that we encourage everyone to consider in the interests of maintaining security during this time:

Alarm Batteries:
If you receive a call or SMS from ADT advising that you have a low battery signal, please immediately contact the ADT technical department on 086 12 12 402. Load shedding can dramatically reduce the lifespan of your alarm battery. Should your battery be older than one year, you should contact the ADT technical department or your security provider to make the necessary arrangements to either replace or check the battery. The new gel batteries have an average battery life of between 6 and 8 hours..

Electric Fencing:
To ensure that your electric fencing continues to function during the power cuts/load shedding, your electric fence battery should have a back-up battery..

If you are using a generator, never operate it anywhere inside your home, including the garage or any confined area, as it produces carbon monoxide which can be fatal. A generator should be kept at least 10 feet away from the home with its exhaust pointing away from the house. It should always be installed by an electrician to evaluate the house’s electrical system for proper grounding and polarity and to ensure extension cords are installed correctly.

Arriving / Leaving Home:
Ensure that you are especially alert when arriving or leaving your home in the evenings, as the street lights and your outside lighting will not be functioning during the power cuts/load shedding process.

At Home:
Ensure that all your automated gates and doors are secured, and that all other gates and doors are locked.

If an ADT client feels that at any time during a power failure they are at risk from a genuine emergency, they are encouraged to press their panic button or contact the control room emergency number on 086 12 12 401. This number should ideally be stored on speed-dial on your cellphone. By doing this, ADT can then prioritise the signals accordingly.

Clients must also be aware that the power cuts / load shedding can have an impact on fire systems and fire control systems. With candles, gas and other lighting devices being used more often, these can result in an increased fire hazard and home fire extinguishers should be on hand.

In an effort to remain proactive during the power cuts/load shedding process, ADT is attempting to ascertain the scheduled times and areas for such power outages and has increased its resources and capacity to accommodate increased signals in the control room, as well as increasing visibility by deploying additional patrols in selected areas at those critical times.

August 18, 2015

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New law places legal liability on homeowners for pool accidents

With Summer in full swing it is essential that consumers make sure they are aware of the legal and insurance implications of owning a swimming pool as new legislation will place even more onus on the owner.

This is according to Marike Stals, Legal and Compliance Manager at MUA Insurance Acceptances, who says homeowners should be aware that there are two types of cover under building insurance policies. “The first covers the actual damage of the structure, while the second is legal liability cover, where the homeowner protects themselves legally against something happening to guests, trespassers and / or their tangible property on the insured property.”

“Currently, the owner of the pool is held accountable under South African Law of Delict in the event of a drowning incident. South Africa’s civil liability laws mean a civil claim can be charged against a pool owner for any damage suffered as a result of drowning, whether fatal or not.”

Stals says internationally, pool safety laws are very strict and South Africa is following this trend. A draft ‘By-Laws for the Safe Guarding of Swimming Pools’ has also been proposed to the City of Johannesburg (COJ), which is legislation based purely around the safety-proofing of swimming pools.

“The new By-Law aims to regulate the access to swimming pools and is intended to protect members of the public from drowning. Following the promulgation of the By-Laws, anyone who wants to have a pool installed on their property must apply to the City for approval and all pools must adhere to strict rules according to the By-Law. Those who have pools in their property already will have two years to notify the council about the existence of their pools following the promulgation,” says Stals.

According to the By-Law, all pools will then have to be safe guarded in terms of the regulations. This means that all swimming pools must be maintained and fenced off and children should not be able to climb over the fence. All outdoor pools will be required to have a pool cover or must be fitted with a floating pool alarm when the pool is not in use.

“If homeowners with swimming pools do not comply with the statute in the proposed By-Law they can face criminal charges such as fines or even imprisonment. Additionally, the insurance policy will not cover the homeowner if they have not complied with the new By-Law which could potentially be a huge financial loss if the homeowner is found guilty of negligence,” concludes Stals.

Source: Empire Communications (a division of Epic Communications (Pty) Ltd)

June 10, 2012

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Ombudsman Forcible Entry to Vehicles

The fact that thieves may be interfering with the locking signals of remote locking devices on vehicles is now quite well known and publicised. There has been ample press coverage on this issue and on other instances of criminals attempting to over-ride vehicle’s locking systems.

One recent article suggests that thieves use a household remote, such as the type used to open garage doors and gates, and block the signal of the car’s remote.

This means that an unsuspecting motorist who locks their vehicle with a remote may have not actually locked the vehicle, as a thief has watched and pressed a household remote at the same time, interfering with the vehicle remote and preventing the locks from engaging. Thieves then open the unlocked doors and steal items inside the vehicle.

This type of loss would be rejected, if a claim was submitted as cover for items in vehicles is subject to forcible and violent entry into the vehicle.

Clearly the risk increases once an item is placed in a vehicle unattended. If there is no forcible and violent entry into the vehicle when the item is stolen, there is unfortunately no claim.

It would therefore be prudent for each vehicle owner or driver, as a reasonable precaution, to ensure the vehicle is indeed locked before leaving the vehicle, especially if there are valuables in the vehicle.

One should not assume the vehicle is locked merely because one pushed a button. Check first before walking away.

We are not in favour of relaxing our underwriting rules on something that can result in frequent losses for something which should be a reasonable precaution taken by our clients.

We have also taken this matter up with the Ombudsman’s offices, and they confirmed they agree with the stance taken and will uphold such a decision by an insurer.

In conclusion, please advise our mutual clients to check if their vehicles are properly locked to prevent any frustration if a loss is suffered and a claim is rejected.

the_ombudsman_logoThe purpose of the Short Term Insurance Ombudsman is to resolve disputes between members and insured consumers in an independent, impartial, cost-effective, efficient, informal and fair way.
If you are dissatisfied with the rejection of your claim you may lodge a complaint with the Ombudsman for Short-term Insurance.
(Tel.) 011 7268900, Fax no. 011 7265501 | P O Box 32334, Braamfontein 2017.

May 20, 2011

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Consumer act: the lowdown

It will make South African consumers among the best protected in the world – that’s what we’ve been promised. And now, after delays to iron out glitches with its practical application, the Consumer Protection Act will finally come into effect on 1 April.

The implications are far-reaching. For example from 1 April a gym or cellphone company won’t be able to automatically renew your membership. And if the steak you ordered isn’t as big as the one in the ad the eatery had better get you another – and fast.

Irritating telemarketers who call you at the most inconvenient times to try to persuade you to buy something will have to think twice. And gone are the days of being told to wait at airports for hours after a cancelled flight. Consumers must get what they’ve been promised and what they’ve paid for.

The Act not only provides consumers with protection against inferior service or dishonest marketing, it also provides measures to protect them against harmful products.

An organisation to handle consumer complaints is in the process of being created and businesses that don’t play by the rules after 1 April could pay dearly. Fines of up to 10 per cent of their annual turnover could be imposed.

Read on to find out how the new legislation will affect you.


  • Contracts that are automatically renewed without consent.
  • Cold callers who want to sell things.
  • Flights that are cancelled without warning.
  • Supermarkets that advertise special offers and run out of stock.
  • Incorrect change given in stores.

If you have a complaint call the National Consumers’ Commission on 0861-843-384, fax 012-394-2558 or e-mail

Complaint forms can be downloaded from and posted to the Department of Trade and Industries, National Consumers’ Commission, Consumer Complaints, Private Bag X84, Pretoria 0001.

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April 11, 2011

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