55% say government is doing well in Uniting All South Africans into one Nation

No Comments »Written on September 23rd, 2014 by
Categories: Travel Insurance
South Africa vs France,22 June 2010,Freestate,Bloemfontein, South Africa

Photo by Gerhard Steenkamp

Just over a half of the South African population believe that our government is doing well in the effort to unite all South Africans into one nation. These are some of the prominent findings from a Pulse of the People survey conducted by Ipsos during March and April 2014. Face-to-face interviews were conducted with a randomly selected representative sample of 3730 adult South Africans from all walks of life.  

Looking across demographic groups, those most impressed with government’s efforts to unite South Africans comes from the youngest age group – those aged between 15 and 17 years – 67% of which believe that government is doing a good job. Lowest levels of agreement come from the white and coloured population groups, with low levels of agreement – 28% and 30% respectively.

Related to this, respondents were also asked wither they believed that the government is governing in the interests of all South Africans. This question also yielded a relatively low agreement level, with less than half of the population (47%) believing that government had everyone’s best interests at heart.  Again, lowest levels of agreement came from the coloured and white groups of South Africa – with only 17% of whites agreeing and 23% of coloureds agreeing with the statement.

Importance of the Mother tongue

Over two-thirds of South Africans believe that children have the right to be educated in their own language.  The level of agreement with this statement varies across language groups, with highest levels coming from English and Afrikaans speaking people and lowest coming from other African languages.



Proud to be South African?

A significant proportion (73%) of South Africans agrees with the statement that they are happy to be South African. This is especially pronounced in the younger age groups with 78% of 15 – 17 year olds agreeing with the statement and 77% of 18-24 year olds.

Only 9% of the population actually disagree with the statement that they are Proud to be South African.

Technical detail:

A total of 3730 personal face-to-face interviews were conducted with randomly selected adult South Africans. The interviews were done in the homes and home languages of respondents. Trained quantitative fieldworkers from all population groups were responsible for the interviewing, which took place from March – April 2014. This methodology ensured that the results are representative of the views of the universe and that findings can be weighted and projected to the universe – i.e. adult South Africans (over 15 years of age).

Interviews were done using CAPI (Computer Assisted Personal Interviewing) and all results were collated and analysed in an aggregate format to protect the identity and confidentiality of respondents.

All sample surveys are subject to a margin of error, determined by sample size, sampling methodology and response rate. The sample error for the sample as a whole at a 95% confidence level is a maximum of 1,67.

About Ipsos

Ipsos is an independent market research company controlled and managed by research professionals. Founded in France in 1975, Ipsos has grown into a worldwide research group with a strong presence in all key markets. Ipsos ranks third in the global research industry.

With offices in 86 countries, Ipsos delivers insightful expertise across six research specializations: advertising, customer loyalty, marketing, media, public affairs research, and survey management.

Ipsos researchers assess market potential and interpret market trends. They develop and build brands. They help clients build long-term relationships with their customers. They test advertising and study audience responses to various media and they measure public opinion around the globe.

Ipsos has been listed on the Paris Stock Exchange since 1999 and generated global revenues of €1,712,4 million (2 274 M$) in 2013.

Visit www.ipsos.co.za to learn more about Ipsos’ offerings and capabilities.

Toyota presents stunning vision for new SUV

Toyota SUV concept

Toyota has released images of a stunning concept car that provides the first hint of a type of vehicle the company would like to bring to the small SUV market.

The innovative Toyota C-HR concept, which will have its world premiere next week at the Paris Motor Show, presents a bold new dynamic design language.

The striking blue C-HR concept introduces an expressive new "diamond architecture" styling theme to the segment and features a hybrid powertrain.

Below its compact, sensual cabin profile, the lower bodywork has been sculpted to represent the faceted surfaces of a highly-durable, precision-cut gemstone.

The front view debuts new styling themes that hint at a future design direction for Toyota vehicles - a further development of the company's "under priority" and "keen look" design identity.

From the side, the highly-faceted lower body, aggressively angular rear shoulders and muscular wheel arches are contrasted with an exceptionally sleek cabin profile.

Highly-distinctive, aero-inspired, floating rear light clusters further enhance the broad shoulders of the concept car's lower bodywork.

Toyota's press conference will take place in Hall 4 of the Mondial de l'Automobile, Paris, at 8:00am (4pm AEST) on Thursday, October 2.

Toyota SUV Concept 2

Honda to Showcase New Connected Car and Automated Driving Technologies at 2014 ITS World Congress in Detroit

No Comments »Written on September 22nd, 2014 by
Categories: Car Insurance, Insurance Telematics, Q&A, Vehicle


  • First U.S. demonstration of Honda's automated driving technology with industry-leading motorway entry, exit and lane change capabilities
  • Unique driver-to-driver "virtual tow" technology, vehicle-to-motorcycle and vehicle-to-pedestrian/bicycle also to be demonstrated

Honda will showcase several of its latest developments in intelligent transportation technology at the 2014 ITS World Congress in Detroit from September 7th-11th. The event will feature the first-ever U.S. demonstration of Honda's automated driving technology with industry-leading capabilities including automatedmotorway merging, exiting and lane changing, as well as a unique, new vehicle-to-vehicle (V2V) 'virtual tow' capability for assisting a driver in distress.

Honda will also highlight its other latest advancements in 'V2X' technologies, including vehicle-to-pedestrian/bicycle (V2P/B) and vehicle-to-motorcycle (V2M).

"The creation and deployment of advanced, intelligent transportation systems represent the new frontier in the effort to one day eliminate traffic collisions, injuries and fatalities," said Frank Paluch, President of Honda R&D Americas, Inc. "We will demonstrate our vision for realising Honda's dream of a collision-free society by showcasing our continued technological innovations in active safety, connected and automated vehicle technology."

The pursuit of a collision-free society is part of Honda's global safety concept of 'Safety for Everyone' and the company's efforts to use technology to provide enhanced protection for car occupants, motorcycle riders, pedestrians and other road users. This includes numerous industry-leading initiatives in the areas of active and passive safety, pedestrian injury mitigation, motorcycle rider safety and collision compatibility.

Consistent with this philosophy, Honda is also broadly deploying advanced driver-assist and early-stage automated driving technologies which help improve drivers' situational awareness, for example Lane Departure Warning, Forward Collision Warning, Adaptive Cruise Control with Low-Speed Follow, Collision Mitigation Braking SystemT and Road Departure Mitigation.

The company's newest offering, the 2015 Acura TLX performance luxury saloon utilises the cooperative sensing of monocular camera and millimetre wave radar systems to provide for higher fidelity road sensing and collision mitigation capabilities, including pedestrian detection, steering assist and autonomous emergency braking.

Honda is also leading the industry in the deployment of rearview cameras, to be offered as standard equipment on all model year 2015 Honda and Acura vehicles (on more than 95 percent of models in model year 2014). Today, Honda also leads all car manufacturers with the most models (Honda and Acura) achieving a TOP SAFETY PICK or TOP SAFETY PICK+ rating from the Insurance Institute for Highway Safety (IIHS) in the US.

The key Honda activities at the ITS World Congress exhibit and demonstration spaces include:

  • Automated Motorway Driving - an 8 mile motorway loop in the downtown Detroit area will provide attendees with an automated driving experience in a real-world traffic environment. The Honda system being demonstrated incorporates automated vehicle steering and braking and the capability for automated motorway entry, exit, lane change and other sophisticated manoeuvres.
  • Vehicle-to-Pedestrian/Bicycle - using dedicated short range communications (DSRC)-based communication between the vehicle and the pedestrian or bicycle rider's compatible smart phone (with proprietary V2P/B application), Honda V2P/B technology alerts both the driver and pedestrian/bicycle rider to a potential collision, and allows the driver and pedestrian/bicycle rider to exchange messages.
  • Vehicle-to-Motorcycle - using communications between the vehicle and motorcycle, Honda V2M technology will alert the driver and rider of a potential collision.
  • V2V "Virtual Tow" - this Honda-first technology utilises connected car technology to empower a driver to assist another driver in distress. The driver in need of assistance is able to alert surrounding vehicles to the need for assistance, at which point an assisting driver can virtually link up and "tow" the vehicle - with the trailing vehicle taking its driving cues from the lead vehicle via connected-car (V2V) technology and automated system - to a location where the driver can receive emergency services, such as a hospital.
  • Lane-level Hazard information plus Automated Lane Change - Using a combination of connected car and cloud communication technology to detect and inform drivers of a hazard in a lane with a live image of the hazard detail. Upon receiving the detailed information the trailing vehicle can perform an automated lane change and continue smooth driving without interruption.

Honda's automated and connected vehicle demonstrations will take place throughout the ITS World Congress, September 7-11, 2014.

Arrest of suspected rhino poaching ringleader & police official for involvement in rhino poaching welcomed

rhino horn

The Minister of Environmental Affairs, Mrs Edna Molewa, has welcomed the arrest of a suspected rhino poaching ringleader and nine accomplices by the Directorate of Priority Crime Investigation (Hawks).

The suspects were arrested for their alleged involvement in a number of rhino poaching and related crimes. The arrest by the Hawks was part of a multi-dimensional and intelligence-led operation in four provinces.

The operation was conducted in conjunction with the Department of Environmental Affairs and Tourism, the Department of Home Affairs, SAPS Detectives, Crime intelligence and the Forensic Science Laboratory, the National Prosecuting Authority, the Veterinary Council of South Africa, and Protea Coin Security.

The alleged ringleader was arrested in the Pretoria North Magistrate's Court on Friday morning while appearing on a separate rhino-poaching related case.

The other suspects were arrested simultaneously in Polokwane in Limpopo, Ficksburg in the Free State, Potchefstroom in the North West and in Montana, Mamelodi and Kameeldrift in Gauteng. The syndicate mainly operated in Limpopo, Mpumalanga, North West, Gauteng, and KwaZulu-Natal.

The group is alleged to have contributed to the brutal slaughter and mutilation of 24 rhinos in state and privately owned game reserves.

Only two of the 24 rhinos that had been attacked, survived, but they were dehorned after they had been darted. The 34 horns were either stolen or obtained through other devious means.

The killings took place between 2008 and 2012. In total, the syndicate illegally obtained 84 rhino horns and killed 22 rhinos valued at nearly R22 million. The 10 will appear in the Hatfield Court in Pretoria on Monday, 22 September 2014 on several rhino poaching-related charges like theft, fraud, malicious injury to property, attempting to defeat the ends of justice, racketeering, money laundering,  intimidation,  illegal possession of firearms and ammunition.

The Hawks are commended for their stirling work in securing the arrest of the alleged rhino poaching syndicate ringleader and members.

“The first court appearance on the accused on these charges on World Rhino Day on Monday is significant in that it sends a strong message of the government’s commitment to addressing the scourge of rhino poaching,” said Minister Molewa.

The arrests on Friday bring to 342 the number of people arrested in connection with rhino poaching in South Africa since the start of 2014.

Also view:

Crime as a Threat to Road Safety

Kia to launch new Sorento and enhanced Rio and Venga at 2014 Paris Motor Show

KIA Sorento

-       European debut for sophisticated third-generation Kia Sorento

-       Enhanced Kia Rio and Venga on display for the first time

-       New Kia Optima T-Hybrid show car demonstrates capabilities of innovative new mild hybrid powertrain

(SEOUL) September 18, 2014 - The all-new Kia Sorento will make its European debut at the 2014 Mondial de l'Automobile in Paris on 2 October, alongside enhanced versions of Kia's bestselling B-segment models in Europe, the Rio and Venga. These models will be joined on the stand by the new Kia Optima T-Hybrid concept, the first demonstration of Kia's new fuel-saving diesel-electric mild hybrid technology.

The all-new Kia Sorento

Building on the success of the outgoing model with a unique blend of style, practicality and technology, the all-new Kia Sorento SUV introduces a higher level of sophistication with a distinctive new design, premium interior and even greater practicality. The new Sorento takes a number of styling cues from the 2013 Kia Cross GT concept, such as the more upright 'tiger-nose' grille, wrap-around headlamps and a more swept-back profile.

Underneath the new Sorento's sleeker profile and deeply sculpted surfaces, the third-generation of the car offers occupants a more luxurious cabin with significantly higher quality materials. Depending on market, the Sorento will offer a range of advanced on-board technologies to improve convenience, such as an Around-View Monitor, with four cameras helping the driver to manoeuvre when parking, and a Smart Power Tailgate.

Longer, wider and lower than the second-generation Sorento, and with an extended wheelbase, the new model maximises cabin space and practicality. Cargo space is increased to 605 litres (VDA) and both five- and seven-seat variants are available.

The new Sorento will benefit from more accomplished ride and handling and a higher level of refinement and safety thanks to a stronger bodyshell structure, enhancements to the suspension and steering, improved NVH (noise, vibration and harshness) characteristics, and the longer wheelbase.

For European buyers three engines will be available with the new Sorento: a 2.4-litre gasoline direct injection (GDI) unit, and a choice of two turbo-diesel engines, in 2.2-litre and 2.0-litre capacities, with the diesel engines to account for the majority of sales.

The new Sorento goes into production later this year and will be on sale across Europe in the first half of 2015.

Kia Sorento 2

The enhanced Kia Rio

As well as a new version of Kia's largest vehicle, the 2014 Paris Motor Show also marks the next chapter for the brand's global bestseller, the enhanced Kia Rio. Around the world, Kia sold 471,000 Rio cars in 2013, and the B-segment car sits among the brand's top-three sellers in Europe with 56,821 units sold last year.

The 2015 Kia Rio receives a slight visual makeover, with a fresh exterior and interior look, while retaining the core attributes that have proved so popular with owners.

The enhanced Rio receives a newly-designed front bumper and fog lights, and an updated version of the brand's hallmark 'tiger-nose' grille. Three new alloy wheel designs, available in 15-, 16- and 17-inch diameters, refresh the Rio's profile and a new rear bumper completes the exterior makeover. Two new paint finishes, Urban Blue and Digital Yellow, will also be added to the colour line-up.

The Rio's cabin is brightened by the addition of new chrome accents and a new centre-stack audio system. New optional features for the 2015 Kia Rio will include a new DAB digital radio and a new generation of Kia's AVN (audio-video navigation) system with a 7.0-inch display screen, improved processing speed and faster route calculation (availability of system depends on individual markets).

The enhanced Rio will be offered in Europe with a choice of up to four highly efficient engines - ranging in power output from 75 to 109 ps - driving the front wheels via five- or six-speed manual or four-speed automatic transmissions. Every engine in the enhanced Rio range is available with Kia's optional second-generation fuel-stretching Start/Stop (ISG) technologies.

The Kia Rio hatchback is manufactured for Europe at Kia's Sohari plant in Korea. The enhanced Kia Rio is expected to go on sale across Europe early in 2015.

The enhanced Kia Venga

Five years after its launch, Kia will reveal an enhanced Kia Venga in Paris. The brand's popular compact MPV is designed, engineered and manufactured in Europe for European consumers, and has proven to be a strong seller for Kia, recording sales of more than 150,000 units since 2009, with 29,000 units sold to European buyers in 2013.

The enhanced Venga continues to offer the practicality, versatility and reliability expected by European motorists, but now features a new-look front and rear, a more sophisticated cabin, new alloy wheels and an expanded range of options.

Kia's European design team, based in Frankfurt, has given the Venga a larger 'tiger-nose grille' with a separate, repositioned Kia badge, and a restyled lower grille with combined fog lights and LED daytime running lights. At the rear, horizontal chrome trim joins the new rear light clusters, which also feature LED bulbs. New designs of the larger (16- and 17-inch) alloy wheels are also available.

Inside, the upgraded Venga is fitted with darker metal trim with bright accents to raise the quality of the cabin, a new centre-stack and audio system, plus the option of a heated steering wheel for colder mornings and Kia's new-generation AVN system with 7.0-inch display screen.

The upgraded Venga will continue to be offered with a choice of up to seven 1.4-litre and 1.6-litre gasoline and diesel engines, generating between 77 and 128 ps, driving the front wheels via five- or six-speed manual or four-speed automatic transmissions.

Manufactured exclusively at Kia's Zilina plant in Slovakia, the upgraded Venga is expected to go on sale across Europe early in 2015.

The Kia Optima T-Hybrid Concept

Exhibited earlier in the year at the Geneva Motor Show, Kia will display the first practical application of its innovative new mild hybrid powertrain, developed by the brand's European R&D centre for use in future Kia models. Created as a one-off show car, the Kia Optima T-Hybrid (turbo hybrid) is the first application and demonstration of Kia's new mild hybrid powertrain.

The T-Hybrid concept is powered by the model's existing 1.7-litre CRDi turbo-diesel engine, paired with a small electric motor, powered by a 48V lead-carbon battery pack. The new powertrain enables the Optima T-Hybrid show car to be driven in electric-only mode at low speeds and when cruising, with deceleration serving to recharge the battery pack.

Lead-carbon batteries were chosen for Kia's mild hybrid powertrain as, unlike lithium-ion batteries, they require no active cooling and are easier to recycle at the end of the unit's lifecycle.

The vehicle features a zero-emissions stop-start system, and a new belt-driven starter generator replaces the conventional alternator, meaning the engine can restart with almost no noise or vibration. Installing the powertrain in the Optima sedan has enabled engineers to fit a smaller vehicle battery and starter motor, enhancing weight distribution and handling.

The system also allows the installation of an innovative electric supercharger for the CRDi engine, in addition to the conventional turbocharger, which helps to boost torque and engine response at low engine speeds.

The new T-Hybrid powertrain will offer Kia customers greater performance and lower running costs, yet still ensure that any Kia model fitted with this technology remains affordable as an outright purchase.

Still under development, no specific performance or fuel economy figures are confirmed for the new powertrain or its application in the Optima T-Hybrid show car. However, Kia's engineers are targeting a significant reduction in CO2 tailpipe emissions and a power increase of between 15 to 20 percent for any model which could be equipped with the new powertrain. Currently, the Optima's 136 ps 1.7-litre diesel engine produces CO2 emissions of 128 g/km (when fitted with ISG stop-start and a manual transmission).

No plans have been confirmed yet for mass production of the Kia Optima T-Hybrid show car. The T-Hybrid powertrain remains under consideration for new Kia models in the future.


All specifications, including engine line-up, for the mass production vehicles in this press release pertain to the Western Europe market. Details about models destined for South Africa will be communicated closer to the local introduction.

Kia Sorento 3

Toyota committed to greening properties for Arbor Day

Toyota arbor day

The 2014 Tree of year, Lavender tree, as well as Acacia galpini trees will form part of the Arbor Day celebration at Toyota South Africa Motors this year. Toyota is committed to greening in and around their properties to improve the natural state of the environment.

National Arbor Month is celebrated in September and promotes the planting and maintenance of indigenous trees in South Africa. Arbor Month provides Toyota with the opportunity to create awareness around indigenous trees and the role trees play in sustainable development and the livelihoods of people and their environment, now and for the future.

"Protecting the environment is one of our priorities at Toyota. We plant trees around our premises to decrease the impact on the environment. In addition to this, we have challenged our dealers to plant an indigenous tree in their community too. This could potentially lead to over 200 indigenous trees being planted in every corner of South Africa," said John Oliver, Vice President Customer Service.

Toyota has planted trees around the Parkhaven premises as well as Manufacturing plant in Durban for the past few years not only to support Arbor Day but to increase the environmental footprint of the organisation and to assist in protecting the areas in which our business operates.

A tree planting ceremony, led by John Oliver, was held on Friday, 19 September 2014. Senior managers for the distribution centre, as well as Miss Earth South Africa, Ilze Saunders, also took part in this ceremony.

"The eight trees will be well taken care of at the NPDC. We would like to take this opportunity to encourage further participation by our dealers for the rest of September," concluded Oliver.

Toyota Arbor day 2

JPSA provides Tips for having YOUR voice heard at the Gauteng e-tolls review panel public meetings

No Comments »Written on September 17th, 2014 by
Categories: Aarto, Legal, Q&A


Many people have asked JPSA what they should expect out of attending public meetings held by the Gauteng e-tolls review panel and whilst we acknowledge that it is not our place to speak on behalf of the panel, we equally feel that too little information exists in the public domain on this issue.

South Africans are generally not used to participating in democratic processes, beyond making a mark on a ballot paper from time to time and as sad as this fact is, we feel encouraged that some people are now starting to participate and it is in light of this that we feel obliged to provide some guidance on how to do so.

It is no secret that JPSA actively opposes e-tolling, but this post is drafted and attempts to present the information in as unbiased a manner as possible. Our inputs come from both, our understanding of the purpose of the panel and its public meetings, plus our observations from attending the meeting in Orlando, Soweto on Monday 15 September 2014.

Purpose of the panel

The purpose of the Gauteng e-tolls review panel is neither to promote nor to knock e-tolling as a method of building roads infrastructure and the formally appointed panel members thereon have been tasked with assessing the socioeconomic impact of e-tolling in an unbiased fashion. They are receiving inputs from anyone and any organisation with a material interest in either promoting or opposing this model.

Public meetings

The primary purpose of the public meetings is for the panel to hear from ordinary people and representatives of groups of people with a common interest - like NGOs, etc. It is not for political parties to bus contingents of their supporters adorned in party political attire to come and make political ideology or electioneering speeches.

JPSA respectfully asks that the political parties wait for their turn, which has been catered for, to make representations to the panel and allows the public, some of whom may indeed be their supporters, to have their say as individuals.

Your chances of getting having your "voice" heard

Your chances of actually getting hold of the microphone to have your say are dependent on the volume of people who attend these meetings. It stands to reason that the better attended the meeting is - the lesser your chance is of getting hold of the microphone. But that is not all that limits your chances to speak. Some people have taken it upon themselves to deliver lengthy speeches in their quest to have their voice heard.

How much time will you get to speak?

The panel tries to control "microphone hogs" by saying upfront that people should keep their comments to a maximum of 3 minutes but our observation has been that some people choose to ignore this and, even when respectfully asked to wrap up, continue talking long after their time allocation has elapsed. Please don't do this - it is both, selfish and contemptuous of others whose voices also need to be heard.

If you have a lot to say

If you have a lot to say - and many of us do - then commit your submission to writing and hand it into the panel on your arrival or departure. The panel even supplies a form allowing you to make a written submission, and this is included in the information pack you receive on arrival but we would encourage everyone to author their written submission prior to attending.

Quite apart from the fact that many people do not possess the necessary public speaking skills to get the message across without waffle; a written submission gives you the opportunity to:

  1. Fully articulate everything you want to say;
  2. Edit and rework your submission until it represents precisely what you want to say; and
  3. Present facts and traceable references that is helpful to supporting your argument.

By far however, a written submission guarantees that your voice will be heard, regardless of whether you get hold of the microphone or not. If you wish to supplement your written submission after you have handed it in, you are entitled to do so.
Back your claims up with facts

It is not helpful, nor will it lend credence to your submission to make things up or rely on anecdotal "evidence". If you are going to make a claim asserting to being a matter of fact, make certain that you provide real and traceable evidence to your claims and assertions or they will most likely be ignored in the final analysis.

Prepare your verbal submission

Before you stick your hand up and get hold of the microphone, know exactly what it is that you want to say. Try to resist the temptation to make it up as you go along and in particular, try to avoid the temptation to then tailor your speech on what another speaker has had to say just because you didn't think of it ahead of time.

If you have made a written submission, do not read it out aloud. Rather make a separate summary of the key points in your written submission and speak to that. Above all, keep it short, punchy and to the point and leave the waffle and rhetoric out of it. That said; feel free to be as passionate, emotional and expressive about it as you wish.

Address the panel

Much like a court, you are not there to address the public who attend the meetings; you are there to address the panel itself. After all, it is the panel and not your fellow citizens that will draft and submit a report to the Premier of Gauteng, Mr David Makhura at the end of all of the processes. Do not try and solicit support or applause from your fellow citizens. They will clap if they feel like doing so and no-one can stop them.

Keep it decent

If you are fortunate enough to get hold of the microphone, don't give the panel members a mouthful and accuse them of being "puppets" etc. Similarly, don't insult anyone whose views differ from yours. If you are angry, direct your anger at those entities responsible for your anger and don't shoot the messenger.

What the Constitution says

It is a popular notion that the Constitution guarantees everyone's right to freedom of speech. Unless you are a Member of Parliament, it doesn't in the sense that many people choose to interpret its provisions. Anything you say can be held against you, particularly if it is defamatory, constitutes hate speech or crimen injuria (offensive language).

Section 16(1) of the Constitution guarantees your right to freedom of expression and is limited by Section 16(2) and other provisions in the Constitution. You should avoid relying on anything you do not fully understand and we encourage everyone to read and fully understand the Constitution.

Are these meetings all a waste of time?

No-one can say for sure whether the Gauteng e-tolls review panel is or is not a waste of time and effort, and indeed, public money, especially in light of the conflicting stances that have been taken and expressed by SANRAL and the Minister of Transport and the Gauteng Provincial Government.

We do not believe that it would be helpful to anyone to automatically assume that the Gauteng e-tolls review panel is nothing more than another Public Relations exercise. Instead, such judgments should be reserved until the entire process has run its course and an outcome has been attained. We encourage all citizens to actively participate in this exercise and have their voices heard and we encourage all those in power to seriously consider what people have to say.

What does JPSA expect out of this process?

In light of everything that has gone before when it comes to e-tolling, we do not expect e-tolls to be summarily scrapped at the end of this process. We also do not expect to get roads infrastructure "for free" as has been suggested by the pro-e-tolling lobby and their propagandists.

What we do however expect is that this matter will finally be put to a referendum asking motorists how they would prefer to pay for roads infrastructure development, thus providing all those who are expected to pay the opportunity to democratically determine their future (and present) financial obligations. Allowing those who are not motor vehicle owners to skew the results of such a referendum would not be a democratic process at all, given the fact that South Africa's voters roll and vehicle registry do not even remotely resemble one another.

It would be naïve at best for anyone to suggest that the public meetings being held by the Gauteng e-tolls review panel will provide the opportunity to all people to make their voice heard and at the end of the day, everyone affected by this should be given the inalienable right to have their voice heard.

* As stated in the preamble, this post is independently provided by JPSA in the public interest and is not to be interpreted as being sanctioned or commissioned by the Gauteng e-tolls review panel, the Gauteng Provincial government or any entity other than JPSA. If any entity or person wishes to endorse it, they may do so by contacting us. Anyone who wishes to republish it is more than welcome to do so, provided that JPSA is acknowledged therein and it remains in its unaltered form.

The Insurance Apprentice – Clearing some of the misconceptions about the Insurance Industry

Insurance apprectice

“I've learned that making a 'living' is not the same thing as 'making a life'.”

Maya Angelou

If insurance is not already on students’ radar as a career choice, it should be. However, the mere word insurance makes people cringe when it is mentioned as a career pathway, but why?

There are a few misconceptions about the industry and the kinds of careers it can offer. Many misconceive it to be about cold calling clients, door to door selling of life or car insurance, processing boring paperwork or just plain boring, when in fact it is the very opposite.

An insurance career can offer stability, variety, challenges, rewards, above average potential for advancement and the opportunity for students to take their career where they want to go.

At its core insurance is ultimately a ‘people industry’ – whether that be in managing client or business to business relationships, working as part of a team to assess a potential risk, helping someone through the claims process or conducting an interview as part of a fraud investigation.

Risk Management, Underwriting, Loss Adjuster, Claims, Marketing, Appraising, and Investigations are amongst the other areas of the insurance sector where students could find a rewarding career. Not to mention, the traditional functions that are a part of an organisation like Human Resources, IT, Finance, Accounting and Communications.

Innovative, positive-thinking graduates who are keen to get to grips with both numbers and people in a constantly changing environment would fit well in the insurance industry. The insurance industry, contrary to popular belief, is fast paced.

It is essential to gain enthusiastic people that are keen to begin a career in the insurance industry to build the talent pipeline for the future. The aim is to fulfill the growing need for skilled manpower across the insurance industry and narrow the existing gap between the demand and supply of skills.

FAnews is also playing their part in trying to attract talent to the industry through The Insurance Apprentice programme, which is a great initiative aimed at tackling this problem. This initiative is about giving six people an intense five day learning experience and at the same time educating others about the variety of career options available in our industry. The educating part is aimed at young industry people who are still finding their way in the industry, it is aimed at students studying insurance and it is aimed at a wider audience outside the industry – educating them about the complexities we have in our industry.

Young industry talent will be given the chance to showcase their skills through a variety of tasks within the market such as underwriting, broking and claims management in order to test their industry knowledge, resourcefulness and determination, which will ultimately be judged by an expert panel. The winner will become the first South African Insurance Apprentice, who will walk away with a fantastic prize of a trip to Lloyds of London – a prize every young person in this industry will love.

To enter one of the most exciting programmes in the industry apply here.

To keep up to date with The Insurance Apprentice we invite you to like The Insurance Apprentice Facebook page here https://www.facebook.com/theinsuranceapprentice and follow The Insurance Apprentice on Twitter here: https://twitter.com/TheInsApp.

‘Follow the journey’ and stay abreast of the latest news and happenings of The Insurance Apprentice by signing up for the newsletter here.

About FAnews

FAnews, is a magazine and online publication focussing on the South African insurance and financial services industry. FAnews has an Audited Bureau of Circulation (ABC) figure of 11 000 copies and has been running for 16 years. Target audience is financial advisers, brokers, financial planners, tied agents, broker networks, bank and corporate advisers. Each edition carries a special in-depth focus on a specific segment of the insurance/ financial services industry and important issues are addressed, covering:

  • Life
  • Short-term
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Suzuki making waves in the hatchback segment

Suzuki splash

  • New Suzuki Splash links minicar footprint to maximised interior space
  • Becomes the eighth nameplate in Suzuki Auto SA's vehicle line-up
  • Aptly expresses Suzuki's small-car expertise
  • Frugal 1,2-litre engine ensures zesty dynamics and low consumption
  • Two specification levels, high safety standards
  • Automatic transmission option reflects growing demand in minicar sector

Suzuki Auto South Africa has added the versatile, zippy and affordable Suzuki Splash hatchback to its local model line-up. The Splash joins an already extensive range of Suzuki passenger cars, MPVs and SUVs on offer in SA and will boost demand for the brand's products even further.

The feisty newcomer's fresh, youthful styling and versatile layout are expected to endear it to a wide range of buyers - from singles and young families to empty nesters. A compact footprint, tall roofline, comparatively long wheelbase and short overhangs create a surprisingly spacious and practical interior.

For the South African market, the Suzuki Splash is powered by the familiar, zesty 1,2-litre four-cylinder engine also fitted to entry-level Swift hatchback models. A five-speed manual gearbox is standard, but a four-speed automatic transmission is available as an option.

In line with Suzuki's reputation for exceptional value, the Splash boasts a useful array of standard features. Even the affordable GA derivative features dual airbags and ABS brakes, while the GL version includes additional comfort and convenience items.

"The new Suzuki Splash usefully fills a gap between our popular, entry-level Alto minicar and the highly successful Swift subcompact hatchback," says Francois van Eeden, national marketing manager at Suzuki Auto SA.

"It provides a level of space and practicality not usually available in the minicar segment. But it's also fun to drive, thanks to its agile road manners and composed ride. At the same time, its efficient drivetrain keeps running costs low."

Suzuki splash 2


While practicality and versatility are important aspects of the Splash design, aesthetic appeal hasn't been compromised. Indeed, form does follow function, but in a way that is also attractive in cosmetic terms.

At 3 775 mm long, 1 680 mm wide and 1 620 mm tall, the Splash's compact exterior dimensions benefit manoeuvrability in tight spaces such as shopping centre parking lots, while also ensuring wieldy handling. At the same time, the relatively generous 2 360 mm wheelbase, and wide front and rear tracks (1 470 and 1 480 mm respectively) ensure sure-footed stability.

The short overhangs, relatively long wheelbase and tall roofline all conspire to maximise interior space, but also endow the Splash with a cheeky, youthful appearance. The front view is dominated by large headlight clusters, while a slim upper grille and larger lower air intakes add a purposeful expression.

The roofline's rearward taper emphasises the aerodynamic profile of the car, while a high waistline, flared wheel arches and pronounced lower character line create an athletic impression. >From the rear, the almost vertical tailgate adds a cheeky touch, emphasised by the pronounced tail light clusters. All Splash models ride on 14-inch steel wheels with full-sized styled wheel covers.

suzuki splash interior


The cabin of the new Splash reflects its youthful personality, while also adding comfort, style and versatility to the equation. Boosted by the high roofline, the impression of space is particularly impressive, with ample legroom and headroom to provide seating for five adult occupants.

The extended roofline is a key feature of the new Splash. It allows the seating positions to be raised, which benefits all-round visibility, while it also means that the doors are larger, which benefits convenient entry and exit.

The front seats have been sculpted for additional comfort and support, while the rear bench seat offers three distinct seating positions, and is split 60/40 for modular extension of the cargo compartment when necessary. Head restraints are standard front and rear.

The layout of the controls and instruments places the emphasis on user-friendly ergonomics, with a single, large analogue speedometer positioned directly ahead of the driver.

The white-faced dial also incorporates a digital information display, indicating range, average fuel consumption and instant fuel consumption, as well as incorporating dual trip meters. In the case of the GL models, a separate rev counter adds a sporty element.

The controls for the air-conditioning and the integrated audio system (in the case of the GL models) are centrally located for convenient operation, while the high-mounted gear shift lever is within easy reach, too. A grippy three-spoke steering wheel is standard, with GL versions equipped with steering wheel-mounted audio system controls.

Smart, durable finishes create an upmarket ambience. The dashboard gets a charcoal textured finish (with metallic-look detailing in GL models), while the seats are upholstered in durable, attractive cloth with contrasting inserts.

The Splash offers an extended array of storage options, including a lidded binnacle on the top of the centre stack, an oddments tray behind the gear shift lever, a hinged glove compartment, and a large storage tray ahead of the front passenger.

Front door binnacles with integrated bottle holders, front and rear cup holders, and seatback pockets are standard, too. On GL models, the passenger seat has an under-seat, slide-out tray .

The 60/40 split rear bench seat provides a versatile range of seating versus cargo area combinations. Folding down both seat sections creates a generous, flat-floored cargo area with a total volume of 1 050 litres to roof height. A low loading sill eases access when loading bulky or heavy objects.


The new Suzuki Splash offers a comprehensive complement of safety and security features.

All models are fitted with dual front airbags as standard, together with side impact protection beams in the doors, and inertia reel seatbelts for both the front and the two outer rear seating positions. The centre rear seating position is equipped with a lap belt, while the front seat belts have pre-tensioners and load limiters.

Also standard across all Splash models is ABS anti-lock braking for the front disc/rear drum brake system. Child locks are provided for the rear doors, and central locking is standard, with keyless entry offered on GL models.


All three models in the South African Suzuki Splash range are powered by the same 1,2-litre four-cylinder engine. The 1 197 cc unit has a maximum output of 63 kW at 6 000 r/min, combined with a torque peak of 113 Nm at 4 500 r/min.

The powerplant has already proven its mettle in the larger Swift, thanks to an admirable combination of zip and economy. The engine revs freely to ensure smooth, willing performance, while gear ratios have been selected for an ideal compromise between response and economy.

The standard transmission is a five-speed manual gearbox, driving the front wheels, but a four-speed automatic transmission is also offered.

The underpinnings of the Splash are based on the Swift, and it therefore shares the larger hatchback's compliant ride and agile road manners. The rack-and-pinion steering is electrically assisted in the interests of efficiency, while the turning circle of just 9,4 metres is further proof of the Splash's agility.

The independent front suspension consists of MacPherson struts and an anti-roll bar, while the rear layout employs a space-saving torsion beam with coil springs and dampers.


With a kerb mass of just more than a ton, and a lively 1,2-litre engine, the new Suzuki Splash delivers nippy performance. The five-speed manual model accelerates from 0 to 100 km/h in 12,3 seconds, while top speed is 160 km/h.

Fuel economy is exemplary, with a combined-cycle consumption figure of 5,6 litres/100 km in the case of manual models, and 6,4 litres/100 km for the automatic transmission variant. CO2 emissions levels come to 133 and 150 g/km respectively.


The Suzuki Splash model range consists of three models, all powered by the same 1,2-litre petrol engine, but with a choice of two transmissions and two specification levels.

The most affordable member of the line-up is the Splash 1.2 GA, but it still boasts an impressive list of standard features. This model is only available with the five-speed manual transmission.

The GA's list of comfort and convenience features includes a digital clock, air-conditioning, key-operated central locking, cloth seats, and 60/40 split rear seats.

This model also gets the full complement of safety features common to all Splash models, including dual airbags, ABS brakes, side impact protection, front and rear head restraints, inertia reel seatbelts, and rear child locks.

The Splash 1.2 GL is offered with a choice of five-speed manual or four-speed automatic transmissions. Externally, the key distinguishing features include colour-coded door handles, front fog lamps, and a sporty rear spoiler.

An extended standard features list includes a rev counter in addition to the large speedometer, a four-speaker CD receiver audio system with auxiliary and USB inputs, and audio controls on the tilt-adjustable three-spoke steering wheel.

In addition, GL models gain keyless entry, electrically operated windows, and a heated rear screen with wipe/wash system. The front passenger seat also gains an under-seat stowage tray.


The Suzuki Splash is sold with a three-year/100 000 km warranty, and a

two-year/30 000 km service plan. Scheduled services are at 15 000 km intervals.

Also view:

Vehicle Finance, Car Insurance and Road Safety

Buying and Selling a Vehicle – Informed decisions and the Vehicle Retailer


Suzuki splash back

“What is credit shortfall insurance – and who needs it?”



For many of us, driving that dream car means getting finance through a bank or another financial services provider. However, should your new car be stolen or written off in an accident, there may be a gap between its insured value and the amount owing to the finance company. This gap is known as ‘credit shortfall’ and when it occurs, it can leave you owing money on a car you don’t have.

Insurance policies cover the market, retail or trade value of your vehicle. Particularly with new cars, the value drops considerably the instant it is driven off the showroom floor – but there is no such corresponding drop in the amount owing to the bank.

Should an insured event occur, such as a theft or an accident that writes off the vehicle, your insurer will cover it for the replacement value – which is now less than the purchase price.

Credit shortfall insurance, also called top-up or gap insurance, is designed to cover this gap so you don’t have debt on a vehicle you no longer own.

It is advisable to add this optional extra to your policy particularly with new cars, but also on any vehicle purchase where a credit shortfall might arise. For example, purchasers of used cars where the price is 90% paid by finance should consider credit shortfall insurance.

Scenario: Anne buys a car for R200 000 finances it through Wesbank. She insures the car with MiWay for its retail value and takes credit shortfall insurance as an optional add-on. The car is stolen months later when the retail value is R150 000. Anne still owes Wesbank R180 000. The shortfall amount is R30 000, which is covered by the credit shortfall add on. If she did not take credit shortfall cover, Anne would have had to cover this amount from her own pocket.

What you need to know

When insuring your vehicle, you have a choice of covering it for retail value, trade value or market value.

The retail value of your car is the average of what the same vehicle is currently selling for at car dealerships, and is the highest price you can insure it for. The trade value is what you would get if you traded it in. The market value or fair value is the average between retail and trade value. The value of your car further depends on the condition and mileage on the car.

It is necessary to determine if, in the event of a total loss, there would be a credit shortfall. If so, consider credit shortfall insurance.

The following are not included as part of credit shortfall:

  • Unspecified sound equipment or accessories.
  • The excess payable on your claim
  • Arrear instalments that may be over due and the interest that may have accumulated
  • Additional finance charges
  • Any early settlement penalties

Useful tip: Credit shortfall insurance is essential for people who have recently bought a new car or a recent model on hire purchase. As you pay off your instalments, there will come a time where the amount owing is less than the value of the vehicle. When this point is reached, credit shortfall insurance is no longer required.

Considering credit shortfall insurance is strongly recommended for those vehicle buyers who don’t have the cash for a large deposit. If there is a major loss, the credit shortfall can be crippling, not only leaving you owing money on a car you no longer have, but also potentially preventing you from buying a replacement.

For a no obligation car insurance quote from MiWay click here.

[Info provided by Rory Judd, MiWay head of online marketing]

MiWay is an Authorised Financial Services Provider (Licence no: 33970)

 MiWay Insurance Limited (‘MiWay’)is a direct, short-term insurance company, offering customers a range of short-term insurance products including motor, household and homeowners insurance as well as add-on products such as warranty cover and liability cover. MiWay's shareholder is Santam, a blue-chip JSE-listed company.

Also view:

Vehicle Finance, Car Insurance and Road Safety

Buying and Selling a Vehicle – Informed decisions and the Vehicle Retailer