TELESURE MD, THOMAS CREAMER: ROAD SAFETY HOW TO BE SAFE 365 DAYS A YEAR There is a mass hysteria about

t crime in South Africa, but the single biggest cause of violent death and serious injury in our country is road crashes. The severity of road accidents is usually brought to our attention before a school holiday, a long weekend, the Easter break and Christmas, but the number of fatalities are devastating and should in fact be highlighted 365 days a year, says Telesure MD, Thomas Creamer. Below please find suggestions on how to make our roads safer for all South Africans: PEDESTRIANS Avoid walking on the road, rather use the pavement. If there is no pavement, always walk close to the curb as possible and always facing on coming traffic Wear visible clothing. You have heard the saying dont drink and drive but it is just as important to not drink and walk on our roads either! Be vigilant at all times. Only cross the road at a pedestrian crossing or when it is safe to do so, never jay walk.

MOTORISTS Setting an appropriate speed, and reducing it when necessary is the essence of safe driving Do not overload your vehicle. When travelling on a long journey, take frequent rest breaks Drive with your headlights on to improve your visibility to other motorists. Making sure that the cars tyres are in perfect condition is another way to avoid an accident. Pay extra special attention when driving during wet weather. Obey traffic signals and implement good road manners and behaviour.

CYCLISTS Never ride without your helmet which should be firmly fastened. Always wear reflective and fluorescent clothing so that other road users see you. Even though you are on a bike, the rules of the road and traffic signals still apply. Always signal when turning. Ride with the flow of traffic, not against it.

MOTORCYCLISTS Operating a motorcycle safely is much more physically and mentally demanding than driving a car and involves a higher level of concentration. Dont use the back brakes alone as this can cause the bike to skid. Never overtake if you can't see the road ahead. Always look out for other cars blind spots and make sure you are not in them. When carrying a passenger, make sure that your passenger also wears a helmet at all times.

Your passenger should also be advised to always lean with the angle of the motorcycle.

Road safety awareness is much more than just driving under the speed limit, not driving under the influence of alcohol or not jumping traffic lights. It encompasses a range of factors such as, understanding the various road signs and adhering to them, ensuring that your drivers license is up-to-date and verified, reporting pot-holes and neglected road infrastructure and buckling up these points, together with a host of others, must receive priority attention by all road users, concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: BE STREET-WISE WHEN BUYING A NEW OR USED CAR Buying a car is a purchase that in expenditure terms is probably second highest only to the purchase of a house. Yet, most South African consumers do not seem street-wise when buying a new or a used car. Many consumers let emotion get in the way of common sense, resulting in them effectively making a purchase with blinkers on, says Telesure MD, Thomas Creamer. It is worth bearing in mind that the onus is on the buyer of a car to make sure that they are aware of any problems or other potential hiccups. Buyers should be aware of their rights and the possible pitfalls of entering into a car sale agreement. The fine line between clever marketing and being outright misleading is becoming distinctly blurred. The latest trick in the business is to advertise great deals and ridiculously low prices for new cars and lots of extras not found on the standard car. However, these specials are always complemented with the fine print terms and conditions apply, says Thomas Creamer. Clever worded advertisements of car dealers are offering, for example, car deals from as little as only R635 per month. What they conveniently forgot to mention is the fact that on top of the R635 fare one has to pay R89 in VAT. Then there is small terms and conditions that include hidden payments like a high deposit and residual payment. All of which means that instead of getting a new car for R635 per month, it actually costs much more. Most consumers are unaware of the myriad of challenges, practices and pitfalls of the car buying game. Purchasing a new car can be very overwhelming, especially if a consumer has not properly planned out his car-shopping trip, says Creamer. Some consumers spend weeks, or even months, reading about the various models in their price range, poring over road test reports and badgering their friends for an opinion. They then settle for an unsuitable car by making impulsive and wrong decisions. The car purchasing game is a complicated business that requires careful planning, an honest assessment of ones financial situation, a reasonable balance between needs and desires and a fair degree of cynicism. Consumers must be armed with as much advice and information as possible when the time comes to buy a car. An informed decision can make the difference between an enjoyable experience and an expensive mistake, advises Thomas Creamer. Here is some simple, practical advice to help car buyers minimise the risk on their carshopping trip:

Plan on looking, test-driving and comparing car prices and avoid the impulsive decision to buy a car on your first day out. Take a cynical friend with you to help you from making impulsive decisions and keeping a pushy sales person at bay. Always make sure to read the small print on advertisements and in glossy brochures provided by car dealers. Decide whether the conditions and exclusions that apply there may be more of these than you think are fair and reasonable. If possible, compare different offers by companies and choose the best. Carefully examine a used car closely or have the car checked by a professional to ensure that everything is to your satisfaction. Insist that all missing equipment is replaced, and all faults corrected or at least get the salespersons commitment in writing before you get behind the wheel.

TELESURE MD, THOMAS CREAMER: CONSUMERS BUYING SECOND HAND CARS MUST BE ON HIGH ALERT Buying second hand is the only way that many South African consumers can afford to buy a car. However, while there are bargains to be found, there are some hair-raising risks involved as well, such as being dragged into the dirty world of stolen car trading. Unfortunately, the used car industry is marred by unscrupulous dealers who feel nothing about marketing and selling stolen cars to unwitting buyers. Consumers need to be on high alert when buying a pre-owned vehicle to ensure that they dont get sucked into this underworld, says Telesure Holdings MD, Thomas Creamer. If you unknowingly buy a stolen car, it could be impounded by the police and returned to the original owner. Typically, you will not get any compensation even if you bought the car in good faith and had no idea it was stolen. This means you will lose all of your money. Even if the fact that the car is stolen remains undiscovered, unwittingly driving a stolen car can have repercussions later on, such as when you want to make an insurance claim. Thomas Creamer says potential buyers should not feel intimidated about querying the origins of a used vehicle they are considering buying. Consumers are also encouraged to request comprehensive proof of the vehicles identity. If the seller, whether its a dealership or private individual, is vague about the cars past or is unwilling to give you the information and documentation you ask for, do not entertain any further discussions or negotiations. Simply walk away. It goes without saying that you should only buy from a reputable dealer, Creamer says. To check if a car is stolen, you can request a HPI check from the Automobile Association (AA). All you have to do is phone AA Autocheck and provide the following information: Year, Make and Model Engine Number Chassis (VIN) Number Registration Number Colour of the car Mileage

From this you can confirm the year the car was first registered, model, colour (to confirm it is still the original factory colour), engine number (to confirm it still has the original engine), VIN number (to confirm it has not been tampered with), mileage (to confirm it has not been tampered with).

You will also be able to find out if there is any outstanding financial agreements on the car and if so, which finance company it is. The HPi check will also tell you if the vehicle has ever had a major insurance claim for an accident and if the vehicle has ever been stolen and/or recovered. Because criminal syndicates go to extreme measures to hide the true identity and origin of stolen vehicles, there is sadly no guarantee that you arent buying a stolen car. Nevertheless, requesting an HPi check and investigating the vehicle registration papers can offer some peace of mind. If anything does not sit right with you at any point in the purchase process, do not go ahead with the transaction, Creamer concludes. TELESURE MD, THOMAS CREAMER: BUSINESS VS PERSONAL USE KNOW THE FACTS! Take a look at the job section of the newspaper and you will see that most of the advertisements specify that own transport is essential. Did you know that if you use your personal vehicle for business use you should advise your insurer and request them to adjust your insurance policy accordingly? Telesure MD, Thomas Creamer says: Your insurance policy sets out the uses for which your car is insured. If you have told your broker or insurer that you only use your car for pleasure purposes and for driving to work and back, then this is what you will be insured for. Many people assume that by manipulating the truth on their insurance policy, they will save money on insurance premiums in the long run. This is not true, and you will prejudice yourself if you are insured for the incorrect usage, says Thomas Creamer. If you are involved in an accident while using the vehicle for business purposes and are only insured for personal use, then your insurer would be within its rights to reject your claim and you will find yourself footing the bill for the repair cost, yourself. The type of insurance you need for your vehicle would be determined by the following criteria: If you use your vehicle for pleasure purposes and to drive to and from work, then you can insure the vehicle for private or personal use. If you occasionally use the car for business purposes, for example, driving to one or two meetings per month and driving to and from work, then you will be adequately covered on a limited business use insurance policy. If however you rely on your personal vehicle to conduct business, for example as a sales representatives or financial consultant who goes to see clients away from the office, then you will need to be insured for full business use.

Insuring your vehicle for business use may add on an extra percentage cost to your premium but this will ensure you have peace of mind that should you have an accident while using your car for business you will be correctly covered, says Creamer. Many insurance companies also offer you the option of taking out car hire when you purchase your policy. This means that you can go on conducting business as normal until your own vehicle is repaired.

The best thing to do is talk to your insurance company or broker, who will be able to advise which policy is right for you, depending on your needs and usage. It is also important to keep your insurer informed of any changes such as address, occupation, type of car and anything else that is material, as they may refuse to pay a claim if the true situation differs from, for example, the use specified in the policy document. Remember making a false statement or withholding information for the purposes of obtaining cheaper insurance may invalidate your policy. Steer clear of trouble by making sure you have the right coverage, concludes Creamer. TELESURE MD, THOMAS CREAMER: RESURGENCE OF ATM BOMBINGS CALLS FOR PEOPLE TO BE ON HIGH ALERT Consumers are urged not to use ATMs in desolate areas. This warning comes on the back of reports of a resurgence of ATM bombings as well as ongoing ATM-related crimes around the country. During May 2011, ATMs in Doornpoort and Cullinan in Gauteng, as well as an ATM at Nyanga in the Western Cape were attacked. At the Cullinan incident, the explosives failed to ignite, promoting the criminals to take an axe to the machine. A police woman was also shot to death in April while attending to an ATM bombing at a taxi rank in Ekurhuleni. We are strongly urging the public to only use ATMs at busy centres where there is manned security. The spate of ATM bombings in the past two months serves as a stark reminder that using ATMs can be risky. Of course, this is not the only risk associated with using ATMs. Related crimes such a fraud, card swapping, card jamming, and muggings are an ever-present threat. Criminals are known to target people at ATMs, attacking them as they walk away from the machine after withdrawing cash, spying over their shoulders to check bank balances and steal PIN numbers and, employing various tactics to get their hands on banks cards, very often through manipulating ATM machines. We all need to bear these threats in mind and be extra-vigilant when using ATM machines, says Telesure Holdings MD, Thomas Creamer. The following tips may help prevent you from becoming a victim of an ATM crime: Never tell anyone your PIN number. Dont keep your PIN number and your card together. Avoid poorly-lit ATMs. Dont use street-facing ATMs or machines in very quite places. Only key in your PIN number when the machine prompts you to do so. Make sure nobody is watching you put in your PIN code. If someone is standing too close, tell them to move away. Stand close to the ATM and shield your hand with your body when keying in your PIN to ensure that nobody can see what your PIN is. Make sure you keep your hand over the card slot to make sure nobody can take your card. Leave the ATM immediately if you dont feel safe. Never accept help from anyone not even a security guard. Dont let anyone distract you while you are conducting a transaction at an ATM.

Make sure the card is in fact yours before and after you conduct a transaction. Never count your money at an ATM. Cancel your card immediately if your card is lost, stolen, damaged or retained. Make the phone call yourself to your bank or to the number printed on the machine. Dont let anyone make the call for you. If one or two ATMs in a certain area are not working, it is best not to go to the nearest available ATM in the same area. Sabotage of an ATM is often done to lead potential victims to a specific ATM. If a machine looks damaged, the screen is blank or appears as though it has been tampered with, do not use it. Lower your daily withdrawal limit to stop criminals from stealing all you money should they manage to get their hands on your card.

The main thing is to be on high-alert while you are using an ATM. If you notice anything suspicious or feel uneasy, trust your instincts and move away from the machine, concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: PUTTING YOU IN THE DRIVING SEAT - HOT TIPS FOR BUYING A NEW CAR Before heading off to the dealership, make sure you read these hot tips from Telesure MD, Thomas Creamer! Step One Decision Time Red, blue, yellow or silver, hatchback, convertible, 4X4 or sedan? The options are endless. When it comes to choosing a car it is important to base your decision on what car is most suited to your needs and budget. Buying a two-door convertible may not be practical if you have children for example, and buying a fancy 4 X 4 that guzzles fuel, may not be the best idea if you are on a shoe-string budget. Points to take into consideration are: what is the primary use of the car? How does its overall performance compare to other cars in the same price range? How much can you afford for the monthly repayments? Step Two Getting Finance Purchasing a vehicle is often the second most expensive purchase after buying a home. Most of us dont have vast amounts of cash lying around to pay for a new car so getting assistance from a bank or vehicle finance company is probably your best bet. When applying for finance, it is very important to investigate which bank or vehicle finance company offers you the best prime lending rate, which is based on your current financial situation. A word of caution tread carefully when deciding on residual lease agreements. It may seem like you are saving a buck or two in the beginning, but you will remain liable for the payment of the excess amount at the end of the financing contract. Step Three Insurance So you have now picked the car of your dreams (or rather one that suits your budget) and have found a bank or vehicle finance company to finance your car. Now all thats left to do is drive your snazzy new car off the showroom floor right? Wrong! Did you know that before you hit the road in your new car, it must be insured comprehensively; otherwise your financing wont be valid. Comprehensive vehicle insurance is essential, providing cover for a stolen vehicle or accident damage to your vehicle or other parties and their property. There are many insurance companies out there and choosing the right insurance product can make the difference between just having your car insured, or having a lifestyle insurance

solution that caters for lifes unexpected eventualities. Also note that combining your vehicle and home contents insurance could save you money! Step Four Security We live in a country where crime is a major problem and therefore, insurance companies have various security requirements for motor vehicle policies. The most elementary ones are gear locks and steering locks. The more compound security devises include alarm systems, immobilisers, anti-hijacking systems and tracking systems. It is important to ensure that the security device mentioned on the insurance policy must be in place, locked or switched on at all times while you are not using the vehicle. If these security devises are not in use at the time of a theft, it may influence your claim. TELESURE MD, THOMAS CREAMER: CAR THEFTWHAT NEXT? Imagine returning to where you parked your car only to find a big, empty stretch of curb. You start to question if in fact you had really parked your car in that spot maybe its around the corner you wonder. You start to retrace your steps, thinking how could an object the size of a car suddenly vanish? You begin to panic! After walking around the block several times, the realisation dawns on you that your car has indeed been stolen. This is a common occurrence. Many people are so shocked by the experience that they get flustered about what to do next, says Telesure Holdings MD, Thomas Creamer. There are three very simple steps to follow if your car is stolen. Following these will increase the chances of your car being recovered or replaced speedily. Thomas Creamer says that the procedure should your car be stolen is as follows: If you have a vehicle tracking device installed, call your tracking company to report the theft. Report it to the SAPS and file a stolen vehicle report within 48 hours. Make sure you have the vehicle details: model, colour, vehicle identification and registration numbers etc available to assist with the identification and recovery of the vehicle. Report your claim to your insurance company. If your car is stolen after hours (Unity operating hours are from 8:00am 8:00pm Monday to Friday, and on Saturdays until 1:00pm), call your insurance company on the next working day.

There are some preventative measures one can take to thwart car thieves. These include: Parking your vehicle in a well-lit area. Not leaving any parcels or valuable items on the seat. Increasing your cars security by installing a good alarm system, gear lock, steering wheel lock and immobiliser. Having a vehicle tracking device fitted to your vehicle. Repairing broken windows or locks timeously.

TELESURE MD, THOMAS CREAMER: TLC FOR CARS IN WINTER Just like you stock up on vitamins or put on a bit more moisturiser during winter, your car needs extra attention too. Telesure MD, Thomas Creamer says that while South Africa doesnt suffer a dramatic drop in temperature during winter, it is still advisable to be aware that the change of season does affect your car. So, what can you do to get your car ready for the upcoming chill? Here are some tips, says Creamer. The lower the temperature, the harder it is for the fuel in your engine to ignite when starting. If you haven't had a service in a while, nows the time to get one. With a fresh set of spark plugs and new distributor cap, (if required), the chances of your car starting without flooding improves a great deal. Before you leave the house on a cold winter morning, make sure to clear any frost from the windscreen with warm, not boiling, water. Boiling water may crack your windscreen. There is the chance, particularly early in the morning or late at night, that there will be frost on the road. So make sure that your tyres have adequate tread and that you leave a safe following distance when driving. Tyre pressure constantly goes down at a rate of about 1psi per month, simply from the oxygen molecules leaking through the rubber. During winter, tyres lose 1psi for every 10 drop in temperature. So check your tyres more frequently. Make sure your cars defroster works. It is needed for safe driving. Also, make sure the heater is working, but take care, as a too hot interior can lead to drowsiness. During winter, always keep a bottle of anti-freeze handy. Make sure the cooling system is full and there is enough anti-freeze to protect against freezing. It is suggested that in winter, you keep your petrol tank more than half full. The reason for keeping a full tank of petrol is that warm daytime temperatures fill the empty space in the petrol tank with moisture and condense during the cold night. If your petrol tank is not full, this water will sink to the bottom and cause rust. Check your engine oil, especially before a long journey. Cars use more oil in the winter, so it is advisable to check the oil level more often than you do in the summer. Lastly, keep in mind that some car batteries will lose power as the temperature drops. So, even though you will you need more power to start your car in winter, you get less power from the same battery.

Congratulations! Your car will now be able to survive winter. Of course, you'll soon have to start preparing for that long hot summer, but that's another story! concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: COMBINED INSURANCE OFFERS SAVINGS AND BENEFITS Protecting all your hard-earned household assets is an absolute necessity! But what about the cost implications? Many people believe that they would not be able to afford the luxury of having both household contents and motor insurance in place. But this is a complete fallacy and could not be further from the truth, says Telesure MD, Thomas Creamer.

Short-term insurance customers are increasingly seeing the benefits of purchasing insurance policies that combine household and motor insurance. In addition to the advantage of less administration, customers are seeing the financial benefits too, as insurers offer discounts for combined portfolios, says Creamer. From the insurers point of view, combined policies work like any other product where buying in bulk offers a financial benefit. The administration costs are lower when a single, combined policy is written, and the cost savings can therefore be passed on to the customer. All in all, combining your household contents and vehicle insurance makes good financial sense. Thomas Creamer says that household contents insurance has many benefits. Besides protecting your valuable possessions, it also protects you against a myriad of additional elements such as fire and theft. Household insurance also usually comes with handy extensions such as portable possession cover which protects portable items that you may take away from your home such as jewellery, cell phones, laptops and i-Pods. Customers taking advantage of a combined policy are also seeing twice the value-adds. They have access to assistance programmes that come with motor insurance, such as Roadside, Medical and Home Assist, plus they have access to the extensions that come with household cover such as the replacement of locks and keys if they are lost or damaged; veterinary expenses if your pet is injured in a road accident free access to emergency services like plumbers, electricians, glaziers and locksmiths. It all comes down to ensuring that you have a holistic insurance product that suits your lifestyle, your pocket and your personal requirements, concludes Creamer. TELESURE MD, THOMAS CREAMER: CYCLISTS URGED TO BE CAUTIOUS ON THE ROAD

Cycling safety is a growing concern. Cyclists can take reasonable steps to enhance their safety while out on the open road, says Telesure MD, Thomas Creamer. It is true that cyclists are most safe when they operate their bicycles in the same manner in which they would their motor vehicles. Cyclists should scan the road ahead, and on either side of them, watching out for vehicles as they would when driving a car. Cyclists also need to remember that road traffic rules do apply to them because a bicycle is considered a vehicle. Failing to stop at a stop-street, swerving in front of another vehicle without indicating or, riding in the middle of the road, is not only risky behaviour, but is in violation of road traffic rules, says Creamer. Even the most responsible and cautious of cyclists can still be involved in road accidents because they cannot control the behaviour of the motorists, pedestrians and other cyclists they share the road with. South Africans are notoriously aggressive drivers and unfortunately, cyclists are at their mercy. As such, cyclists must be extra vigilant and must be constantly alert, says Creamer. They should also take additional precautions to make themselves visible and to reduce the risk of being seriously injured if they are in an accident.

According to Arrive Alive (www.arrivealive.co.za), the following tips can assist a cyclists safety: Always wear a well-fitting helmet that does not shift around or come off; Replace helmets that are damaged or do not fit correctly; Wear reflective and fluorescent clothing suitable for the weather and time of day; Keep both hands on the handlebars unless signaling to turn; Watch out for surface conditions like pot- holes and debris; Never ride through puddles as there may be hazards hidden beneath the water; Allow ample time to inform vehicles behind of your intention to turn either left or right with hand signals; Avoid swerving left and right on the road, ride in a straight line; Avoid carrying any load that will affect your balance and centre of gravity; Wear an emergency bracelet that contains your medical details incase you are in accident and are unable to communicate; Do not ride two or three riders abreast ride in single file; Remember that pedestrians should be given priority at all times and, Make sure that your bike and tyres are in optimal condition.

Cyclists are also advised to take out insurance on their bicycles to cover them in the event of an accident or theft, advises Creamer. Thomas Creamer concludes: Cycling is a wonderful sport. It is great reason to get out doors, get some exercise and some fresh air. In fact, cycling is increasingly becoming a family affair. By taking care and being responsible, you can cycle safely. TELESURE MD, THOMAS CREAMER: DONT DRIVE IF YOU ARE SLEEP DEPRIVED Driving under the influence of alcohol can lead to deadly consequences. This is a message that is repeatedly drummed into our heads. What many people dont know is that sleep deprivation is believed to be just as dangerous. Research has shown that getting less than 6 hours a night can affect coordination, reaction time and judgment, therefore posing a very serious threat to ones driving ability, says Telesure MD, Thomas Creamer. Accidents that are caused by drivers who are sleep deprived are all too common. statistics say that tired drivers are responsible for at least 1 in 5 road deaths. In South Africa, statistics are just as severe. So how can one prevent becoming a statistic? Its simple get enough sleep. Most of us need about six to eight hours of sleep every night, advises Creamer. Here are some tips to prevent a drowsy driver disaster: Most accidents caused by a sleep deprived driver occur between midnight and 6 a.m., the natural time for sleep. If you are planning on driving during these hours, and if you start yawning, begin to loose concentration or if you have trouble keeping your eyes open - take a break. Do not continue driving until you feel refreshed and awake. UK

Whatever you do do not drink and drive. As stated before, alcohol and tiredness is a lethal combination. If you have had a long day, and have plans for the evening, it is advisable to arrange to drive home with a passenger. A riveting conversation should assist in keeping you awake. Energy drinks or caffeine can assist in reviving tired drivers. However, regular coffee drinkers are warned that it can also have the opposite effect and cause fatigue and impaired coordination. A study conducted by the Loughborough Sleep Research Centre concluded that contrary to popular belief, loud music, chewing gum, fresh air or a good stretch will not help relieve tiredness while driving. Do not rely on these myths to keep you awake!

These countermeasures only offer short-term relief from driver tiredness. The best remedy is a good nights sleep. We live in a fast-paced society where everything is needed yesterday. Dont let the pressures of the daily grind take a toll on your driving! concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: LET YOUR HAIR DOWN BUT NOT YOUR GUARD The festive season is not nicknamed the silly season for nothing. Over the holiday period, the number of road accidents, burglaries, petty crime and car-hi-jackings increase markedly. So, even while in the holiday mode, people must remain cognisant of the potential dangers, particularly if they are going to be travelling and leaving their homes vacant. Holiday-makers are advised to get their ducks in a row before leaving their homes to embark on a trip, says Telesure Holdings MD, Thomas Creamer. The first step is to ensure that you have sufficient security in the form of burglar bars security gates and an alarm system that is linked to a reputable security company. Obviously these should all be in working order. Next up is to check that your short-term insurance is up to date. Update your household inventory list so that in the event of a burglary or disaster, you will know exactly what was stolen or destroyed. Failure to do so could mean that your insurance claim will not cover the full value of your itemised losses, says Creamer. Thirdly, people should also make sure that their insurance is adequate and meets their needs sufficiently. Letting your neighbours know that you are going to be away is also of utmost importance. Tell your neighbours that you are going away and how long you will be gone so that they can keep an eye on things for you. Exchange phone numbers so that they can get hold of you if anything happens. It is also a good idea to give them the contact details of your security company so they can report anything suspicious, says Creamer. Once on the road, people should be vigilant and observant especially when travelling in unfamiliar or rural territories. Driving on rural roads is very different to driving on urban roads so motorists should be extra cautious. There is typically very little artificial light in rural and remote areas so visibility is significantly reduced.

Creamer concludes: Be aware that animals and pedestrians can suddenly dart onto the road unexpectedly, particularly in rural areas. Take it easy and dont speed. By driving slower, you will be able to react swiftly to emergency situations. TELESURE MD, THOMAS CREAMER: DONT BE IN THE DARK ABOUT DRIVING AT NIGHT You have been out for a great night out with your friends and now it is time to drive home. You get in the car, put on your seatbelt, put on the radio and hit the road. Did you know that motor accidents are three times more likely to occur at night than during the day time? Are you aware of night driving hazards and do you know how to deal with them? When driving at night you have to be physically, mentally and visually prepared. Not only is it dark, which for obvious reasons limits your visual capability, but your peripheral vision and judgment of distance is compromised because of the lack of light. Driving at night can also increase the normal feelings of weariness or fatigue that we experience when driving over long distances, says Telesure MD, Thomas Creamer. As South Africans we are all aware of the dangers of driving alone at night. Thomas Creamer says that driving at night makes us much more vulnerable to dangerous situations. Smash and grabs, vehicle theft and hijackings occur predominately during the night time so make sure you are aware of your surroundings and that you keep all valuables such as your purse, handbag and cell phone out of sight, and reach, from potential onlookers. Another aspect to consider is drunk driving. Drivers should watch out for careless, drunk drivers. Most accidents occur because of drunk driving. You may be totally sober but the person driving in the next lane may not be. Be aware and increase your following distance if you notice a reckless driver, says Creamer. Night blindness is a particularly difficult and common problem when driving at night. If oncoming headlights cause blurred vision the first step is to have a thorough eye exam. If you need to wear glasses at night to improve your visibility, clear lenses with an antireflection coating are best for night driving. Another factor to consider when driving at night is speeding. By reducing your speed you not only have better control of your vehicle but you will also be able to look out for unexpected hazards on the road ahead and brake accordingly, says Thomas Creamer. There are several effective measures that should be taken into account to minimise afterdark dangers: Make sure your windshield and windows are clean inside and out and clear of any dirt or debris Make sure your headlights are on and properly aimed. Headlights that are misaimed not only reduce your visibility, but the visability for other drivers too. Have a thorough eye exam every three years to test for night blindness and cataracts. Both of these conditions reduce visibility when driving at night. Make sure your doors are locked. Be aware of your surroundings at all times.

Never, ever drive drunk and always wear a seatbelt! Try and avoid roads that are not well lit. Make it easier for others to see you by ensuring that all your vehicles exterior lights are working properly. Wear sunglasses during the day. Wearing sunglasses during bright days helps keep your eyes more sensitive for driving in the dark. Reduce your speed so that you can keep a look out for unexpected road signs, road hazards and pedestrians. Allow cars behind you to pass if youre bothered by glare from their headlights.

Thomas Creamer concludes: If you follow these tips and are still battling with your eye-sight when driving at night make sure you see an optometrist as soon as possible. Your safety and the safety of those around you depend on it! TELESURE MD, THOMAS CREAMER: SCHOOL HOLIDAY SAFETY FOR MOTORISTS When South African schools close for the holidays, many families will take to the roads for a well deserved break. Telesure Holdings MD, Thomas Creamer says that the long drive to your holiday destination is probably the worst part of the trip. Lets be honest, the drive itself is enough to warrant a holiday! Once you get to your destination though, it all seems worth it sun, sand, sea and that general peaceful feel of a holiday town means that finally you can kick off your shoes, forget the worries of city life and just relax. Right? Many assume that just because they are on holiday, general rules of the road do not apply. Many let their guard down, become too complacent or content, and thats when things can turn nasty. Road safety precautions should be adhered to 365 days a year, and the excuse that youre in a small, sleepy holiday town should not deter your attention or commonsense, says Creamer. Below are reminders and safety measures to adhere to when on holiday: Always wear your seat belt, even if you are just popping out to the shops or taking a short drive to the beach. Most accidents occur because of drunk driving. You may be totally sober but the person driving in the next lane may not be. Be aware and increase your following distance if you notice a reckless driver. If you have had one too many drinks, rather take a taxi. If you are walking though, remember that according to the Department of Transport, 40 percent of those killed in traffic accidents in the country annually are pedestrians. Therefore, avoid walking on the road, rather use the pavement. If there is no pavement, always walk close to the curb as possible and always facing oncoming traffic. When driving, children should never be held on an adults lap or allowed to stand between the front seats. Reduce your speed as not only will you have better control of your vehicle, but you will also be able to look out for unexpected hazards on the road ahead and brake accordingly. Even though you are on holiday, the ever-present threat of crime is still an issue. Make sure you are aware of your surroundings and that you keep all valuables such

as your purse, handbag and cell phone out of sight, and reach, from potential onlookers. Thomas Creamer concludes: The tips above are common, practical road safety tactics that one would usually consider as second nature. However, on holiday, these factors can, and often are, ignored. We urge all motorists to consider and action this tactics while on holiday. TELESURE MD, THOMAS CREAMER: WET WEATHER DRIVING Telesure MD, Thomas Creamer says that wet weather takes its toll on our roads and motorists are urged to exercise caution and drive carefully. One of the major causes of road deaths and injuries in South Africa is driving in wet weather conditions, says Creamer. It is important that motorists adapt their driving accordingly when weather conditions deteriorate. Creamer says that during stormy conditions, it is more difficult to see other vehicles, road signs and the road itself so it is critical that motorists take steps so they can see and be seen. One of the most dangerous menaces of the road are flooding stormwater drains. Storm water drains flood when there is an excessive amount of water rushing into the culverts. A flood can also be caused when the storm water culvert is blocked by litter, rubble or tree branches, shrubs and so on. If you approach a flooding storm water drain, it is advisable to take your foot off the accelerator and let your speed drop gradually. Never use the brakes suddenly because this may cause the car to skid or aquaplane, advises Creamer. Thomas Creamer advises that if your vehicle does aquaplane dont slam on brakes. Rather gently take your foot off the accelerator and let your vehicle slow down until you regain control. It is also advisable to avoid the deepest water which is usually near the kerb, and remember to test your brakes when you are through the flooded area before you drive at normal speed again. Another wet weather peril to look out for is flash flooding rivers over low lying bridges. It is important that motorists do not attempt to cross a bridge or a road next to a river if the water seems too deep. Rather stop the car before entering the flooded area and check the water level ahead. Generally, if the water is deeper than the bottom of your doors or the bottom third of your wheels, it is inadvisable to attempt driving through it, says Creamer. Seek a detour rather than braving the flood and risking your life! Attempting to go through deep water can also damage your vehicles electronic control systems, creating a huge repair bill. In addition to these guidelines, motorists should also make sure that the following rules are adhered to:

Before embarking on a journey, make sure to check that windscreen wipers, headlights, hazard lights, rear lights, brake lights and indicators are working properly. Drivers must also regularly clean their windshield and windows, on both the inside and outside. In addition to reducing visibility, rain creates slippery roads. Auto & General suggests regularly checking your tyres for cuts, bulges, bald patches and cracks. Also make sure to check your tyre pressure and tread depth. Many drivers do not realise how dangerous worn out or damaged tyres can be. Tyres are the only contact the vehicle has with the road, and poorly maintained ones can lead to fatal car accidents as well as breakdowns especially in wet weather conditions. Look out for the hidden hazards on the road like open manhole covers. When driving in rainy conditions, use the highest gear possible to avoid wheel spin. Maneuver gently, avoiding sudden braking or acceleration. To brake without locking your wheels, get into low gear earlier than normal, allow your speed to fall and use the brake pedal gently. A wet road surface means you'll take twice as long to stop, and so you need to be at least four seconds behind the vehicle in front.

When visibility is so limited that the edges of the road or other vehicles cannot be seen at a safe distance, it is time to pull over and wait for the rain to ease up, concludes Creamer. TELESURE MD, THOMAS CREAMER: HOUSE FIRES ARE YOU PREPARED? The destruction caused by a house fire is devastating. In less than four minutes, the heat from a house fire can reach over 590 degrees Celsius. According to Telesure MD, Thomas Creamer: The temperature can reach almost 150 degrees in rooms that are not even on fire and the smoke from a house fire can be so thick that your house would be completely dark in four minutes, even with all the lights on. What makes this matter particularly tragic is that most house fires are started by accident and could have been prevented. There are several leading causes of house fires. These include: Electrical fires caused by devices such as heating units or faults in wiring or appliances Burning cigarettes Children playing with matches or lighters Wind-borne burning debris from a nearby veld fire

Thomas Creamer says that the following tips can help prevent a house fire: It is said that two out of three people who die in house fires were asleep when the fire began. Smoke alarms substantially decrease the chances of being caught in a house fire. Although these are not legislated in South Africa, it is a very good idea to install them, particularly if you have children. To ensure peace of mind, have your electrical installation inspected by a certified electrician just before the start of winter. Check that your household appliances have a label of a testing laboratory, indicating that it meets basic safety requirements. Dont overload plug sockets and avoid using several high-amperage appliances (any appliance that produces heat) on the same circuit. Dust, cobwebs and spider webs are enough to start a fire in an electrical system.

Try not to leave an electric or gas fire burning when you leave a room for a prolonged period of time. Keep matches and lighters out of reach of children and make certain that any cigarettes in ashtrays are extinguished before you go to bed. Keep gutters free of leaves and grass as these can be easily ignited by embers carried on the wind. Store any fire wood or dry compost material well away from your house. If you live on the edge of a suburb, close to an open field and natural vegetation, clear away any dry woody plants from around your property's boundaries.

If you woke up to the smell of smoke, would you know what to do? Here are tips to follow in case your house, or something in it, catches on fire: If a fire starts while you are cooking, put a lid over the burning pan or use a fire extinguisher. Never throw water on a burning fat or oil fire as it will cause an explosive reaction. If a fire breaks out and you are trapped in a smoke-filled room, make your way to the door by crawling below the smoke. The purest air is closest to the floor. If you crawl to your door and the door knob is warm, do not open it. Use an alternative exit like a window. Don't stop to gather possessions, or call the fire brigade, you have to get yourself and your family out of the house immediately. Once you are safely out of the house, then you can call the fire department.

It is important to remember that posessions can be replaced but lives can not. Protect yourself and your family by planning an exit strategy in advance. Make sure everyone in your house is aware of this plan by having a practice drill every six months or so. It is also important to keep a fire extinguisher in a central, easily-located place, or one in every room. These preventative measures could be the difference between life and death, concludes Creamer. TELESURE MD, THOMAS CREAMER: HOW TO PREVENT A RAINY DAY WRECK The summer rains have hit Gauteng with vengeance. With the sun nowhere to be seen, motorists have had to deal with an increase in driving hazards. Telesure MD, Thomas Creamer, says that driving during stormy conditions is extremely stressful. During heavy rains it is more difficult to see other vehicles, roads signs and the road itself. Remember to make sure that your windscreen wipers are in excellent shape, your tyres have sufficient tread, that you drive with your lights on and that you maintain a large following distance between vehicles, says Creamer. Flash floods and low-lying bridges Most flood fatalities occur because people attempt to drive through deadly waters rather than avoid them. Flash flooding often occurs when rivers flow over low-lying bridges. The recent flooding in parts of Gauteng demonstrates that flooding can happen suddenly. Avoid crossing bridges or roads next to rivers during heavy rains or else your car could be swept away while attempting to do so, says Creamer.

Flooded roads While it is tempting to drive through a flooded road as fast as possible, motorists should be cautious because this could cause one to lose control and could also cause an accident. If possible, test the depth of the water. If the water rises above the height of the bottom of your car door, it is best not to proceed as this means there's a high chance that the water could splash up into the engine bay and cause a great deal of damage, Creamer advises. If it is safe to cross, keep your car in first gear and maintain a steady speed through the water. Storm water drains Overflowing storm water drains can be extremely dangerous to motorists. A flood is often caused when the drain becomes blocked by tree branches, rubble and out debris, as a result of a storm. If you approach a flooding storm water drain, it is advisable to take your foot off the accelerator and let your speed drop gradually, says Creamer. Never use the brakes suddenly because this may cause the car to skid or aquaplane. It is also advisable to avoid the deepest water which is usually near the kerb, and remember to test your brakes when you are through the flooded area before you drive at normal speed again, Thomas Creamer adds. Choose an alternate route As much as possible, choose a detour rather than braving a flood and risking your life. Apart from that, attempting to go through deep water can also damage your vehicles electronic control systems, creating a huge repair bill. The safest thing to do is to slow down and take extra precautions during this season of heavy rain, concludes Creamer. TELESURE MD, THOMAS CREAMER: FAULTY GEYSERS CAUSE A FLOOD OF PROBLEMS What could be worse than returning home from a relaxing holiday only to find that your home has been flooded as a result of a burst geyser? The ramifications of such an incident are huge and unfortunately all too common. The insurance industry is constantly inundated with claims for damage caused by burst geysers. Some of these claims could be rejected due to the fact that the geyser was installed by untrained and inexperienced plumbers or DIY-ers, says Telesure MD, Thomas Creamer. What many people dont know is that a defective geyser is a serious concern. Besides destroying fixtures and fittings in the property, it can also cause fatalities. Geysers that burst are dangerous and to prevent devastating consequences it is crucial that one employs an accredited and reputable plumber to repair a faulty geyser, says Creamer. A burst geyser is usually caused by human error and factors such as poor installation, the use of incorrect valves and thermostats being set incorrectly. So what should one do if they suddenly see a gush of water streaming from the ceiling? Thomas Creamer says that the first step is to locate the water supply stop valve on your property and turn it off. Then call a reputable plumber immediately.

According to Health 24 (www.health24.com), the next step to take in the event of a burst geyser is to turn off the geyser isolator which should be situated on the electricity main board. There are two reasons for this. Firstly, if the geyser element continues to heat up with no water in the geyser, you could burn the house down. Secondly, water leaking from the geyser could cause a short circuit and possibly a fire. Another tip is to turn on a hot water tap in the bath or basin, which will take the pressure off the geyser. Always bear in mind that no heroics should be attempted. Rather concentrate on mopping up your soaking wet floors and drying your furniture until the plumber arrives, says Thomas Creamer. It is also advisable to consider the following preventative measures: Insulating the pipes in your roof which can stop the geyser from bursting. Knowing where the water supply stop valve and geyser control valve are so that you can switch it off in a crisis. Turning your geyser off at the mains when you go on holiday to avoid hot water building up pressure as a result of not being relieved by constant use. Get a friend or neighbour to pop into your home the day before you return to switch it back on. That way, you can have hot water for a bath or shower when you get home.

Remember to ask your plumber for a compliance certificate for any work done on your geyser. The compliance certificate confirms that the plumbing installation was installed by a qualified plumber, gives a accurate technical report on the status of the geyser installation and will assist you during the insurance claim process, should it be necessary, concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: IS YOUR DRIVING GREEN? Bearing in mind that cars are the second biggest cause of global warming, how can you as a motorist make sure that your driving is eco-friendly? By simply changing the way we drive, we can use 25% less fuel. Not only does this help protect the planet, it also saves you money. A win win situation for all! says Telesure MD, Thomas Creamer. There are several things that you can do to prepare your car before driving that will make a difference. These include: Making sure that you service your car every year. If not a full service, then at least get the engine tuned and your wheels aligned. Keeping your tyres inflated slightly over the pressure suggested by the manufacturer of your car. Under-inflating your tyres by just 7psi wastes two-and-a-half litres in every tank of petrol! Reducing weight, and therefore, fuel consumption, by simply removing unnecessary items from your car that do not need to be there for a particular journey. These can include golf clubs, tools, etc. Making sure the petrol attendant doesnt overfill your tank when refuelling as spilled fuel evaporates and releases harmful fumes.

Thomas Creamer says that when driving, there are several techniques to bear in mind that will prevent unnecessary waste of fuel: Drive smoothly and avoid speeding: harsh accelerating and braking uses up fuel. Be aware of your surroundings so that you are able to anticipate when to slow down or stop, well in advance. To lower your fuel costs, protect your vehicle's transmission and reduce emissions, change gears as early as possible and into the highest appropriate gear without "revving" the engine. Avoid any unnecessary idling. Idling for more than thirty seconds uses up more fuel than re-starting the engine. If your car was manufactured before 1994, it could contain refrigerant in its air conditioning system which is harmful to the ozone layer. If this is the case, it is advisable to consider converting your vehicle's air conditioner to a non-ozone depleting substitute. Avoid unnecessary trips. Can a phone call; e-mail or fax replace a car trip?

Critics say that the average saving made by so-called green driving is so negligible that it will not motivate drivers to change their ways, and that only a higher fuel price will do the trick. But, if we all do it the accumulative effect will be quite dramatic and perhaps that way we will avoid the cost of petrol rising even more, concludes Creamer. TELESURE MD, THOMAS CREAMER: LEAVE NOTHING BUT FOOTPRINTS WHEN YOU TRAVEL With the Easter holidays soon approaching, most South Africans have their sights firmly set on a well deserved break. If you are planning a holiday in April consider making it a green one. Travelling in a more environmentally friendly fashion no longer means having to sleep in a tree house in a remote part of India, nor having to rough it in the jungle in South America. Nearly one billion tourists visit every corner of the world each year, and it has therefore become extremely important for travellers to impact the earth's natural and cultural treasures as little as possible, says Telesure MD, Thomas Creamer. Green travel, so named because the term promotes the conservation of plants and wildlife, respecting local cultures and ways of life, and contributing positively to local communities, offers all the creature comforts travellers have come to expect when traversing the world. According to Thomas Creamer, you can visit big cities or small villages, and stay in small eco-lodges or luxury hotels. The common denominator is that you, as a green traveller, must make an effort to preserve and protect the environment of the place you visit. The good news is that this is simpler and easier than you might think. Creamer points out a number of ways to ensure that your travel plans are as good for the environment as possible: Opt for a green hotel: A little bit of internet investigation will lead you to environmentally friendly hotels, B&Bs and lodges around the world, which are locally owned and operated, or at least staffed by local people. Find out if the hotel offers energy-efficient lighting, low-flow toilets and showers, and alternative energy sources such as solar or wind power.

Getting around: Whenever possible, walk, cycle or use public transportation instead of a taxis and or rental cars. Take a train instead of flying - this is easy in certain countries where the trains are frequent and fast. If you have to rent a vehicle, choose the smallest car available or, if possible, rent a hybrid one. During your stay: Ensure that showers are short, and switch off the air conditioning, lights and electric gadgets when you leave the room. Reuse sheets and towels - leave a note for the housekeeping staff not to change these. Use your own toiletries rather than those provided. Remember that while you are away, its a good idea to switch off your geyser and appliances at home to save electricity. Sightseeing: Travel with a tour operator that's environmentally responsible. And ensure that tours are led by locals. When hiking, always stay on marked trails and maintain a safe distance from any animals you encounter. When snorkelling, do not touch the coral as this can damage the reef. Buy local products whenever possible as this supports the local economy. Finally, remember the mantra: take nothing but photos, leave nothing but footprints. The options for environmentally friendly tourism have increased exponentially over the past few years, and there has never been a better time to see the world while negatively impacting it as little as possible, concludes Creamer. TELESURE MD, THOMAS CREAMER: GOING GREEN AT THE OFFICE IS A BREEZE According to Telesure MD, Thomas Creamer, There has never been a better time to start running your business in a more environmentally friendly way. The good news is that it is quite simple to make changes that will positively impact both the environment and your businesss bottom line. Thomas Creamer points out a number of easily implementable ideas for running a green business, which can be put into practice immediately: Switch off office equipment when it is not being used. This can reduce electricity usage by a quarter. Switching off computers at the end of the working day can save an added 50% on electricity usage, driving down energy costs. Opt not to print. Encourage employees not to print e-mail messages unless it is absolutely necessary. Print double-sided documents. If you have to print, do so using both sides of a sheet of paper. Set the printer to print double-sided documents as a default, or reuse old pages printed on one side only. Use a fax-modem. Eliminate fax-related paper wastage by using a fax-modem, which allows documents to be sent directly to a computer without requiring a printed version of the document. Aim to hold more events via teleconference and webconference. This saves petrol and wear and tear on employees cars, and may also result in an increase in productivity. Ensure taps are closed tightly after use. Research shows that one drop wasted per second wastes 10 000 litres per year. Recycle ink cartridges, glass and paper. Many suburbs have recycling depots, making it easy to recycle goods.

Find a supply of paper with maximum recycled content. One ton of 100% recycled paper saves 17 trees and enough electricity to power an average home for six months. Look for the recycling symbol (a circle of three arrows) on the packaging. Shop around for suppliers who take back paper and packaging for reuse. Change to green cleaning products as far as possible in the office. Investigate greener products and services within your immediate area. The less your providers need to travel to deliver your supplies, the more environmentally friendly the relationship. Consider refurbishing before replacing. Assess if office chairs and desks can be refurbished rather than replaced. This is a less expensive exercise and is better for the environment.

Whether you run a home-based business, a retail business or an off-site enterprise, it is clear that there are basic tools you can put into practice to aid in protecting the environment, concludes Creamer. TELESURE MD, THOMAS CREAMER: A HOUSEHOLD INVENTORY CAN PREVENT INCORRECT CLAIMS Telesure MD, Thomas Creamer says that increasing numbers of consumers are taking out household insurance, as a result of growing awareness that cover on household goods has become more of a necessity than a luxury. However, without a complete household inventory, its not possible to know exactly what was stolen or destroyed following a burglary or natural disaster. In addition, the likelihood of knowing the correct value of the lost possessions is equally slim, says Creamer. In such cases its also possible that your insurance claim wont cover the full value of your itemised losses. The best way to avoid this kind of unpleasant situation is to keep a household inventory. This is basically a comprehensively detailed list of all of the personal property you have at your home, or in your garage, advises Thomas Creamer. A detailed inventory is also useful if you need to file a police report prior to claiming from your insurance. Before compiling an inventory you should first be sure what your home contents are. An easy way to determine this is to imagine taking the roof off your home and turning it upside down, everything that falls out of your house constitutes your home contents. You would then have to consider what it would cost to replace all these items at todays values and that is how much you should insure your home contents for. Now its time to start drafting your inventory list. On this list you should write down the possessions you need to insure. Do the list by going through the house, room by room, and noting down what is in that room. It is a good idea to also take photographs of the more expensive items such as jewellery, cameras, hi-fis and watches etc. Then add the items you need to insure that are stored elsewhere, such as in a safedeposit box as well as the items you carry around with you like your laptop and cell phone.

Collect and keep the receipts of your larger possessions like your TV, DVD player, fridge and microwave, not forgetting those that are small in size but big in price like cameras and jewellery. Make sure that you include valuable clothing such as leather jackets and expensive shoes on your inventory list. Then look out in newspaper advertisements etc to see what the prices for the equivalent items, in todays terms, are.

Its wise to update your household inventory every six months or if you move home, in order to ensure that you keep track of new or discarded items. Keeping track of all of your possessions is difficult at the best of times, you can easily forget that you bought a few new CDs, or replaced the microwave with a better model. After a traumatic experience such as a burglary or fire, for example, it becomes especially difficult to remember those sort of details, says Creamer. TELESURE MD, THOMAS CREAMER: WHAT EVERYONE SHOULD KNOW: HOW TO CHANGE A FLAT TYRE According to Telesure Holdings MD, Thomas Creamer: In South Africa, pulling over to the side of the road to change a flat tyre can be dangerous. That said, theres no excuse not knowing how to change a tyre if you are in a safe and secure spot! Heres how: Before you begin, make sure you have the following tools in your vehicle: A portable jack to lift your car. An inflated spare tyre. A wheel spanner to remove and fix back the wheel. Creamer says that in the event of a blow out or a flat tyre, try to park on level ground. If you cant find level ground, turn your wheels toward the pavement and park as close to it as possible to avoid rolling; pull the handbrake up and put the car in gear. If you need to change a back wheel, youll have to take the handbrake off. This will ensure that the back wheels are loose and are safe to be removed. Once your car is parked securely and theres no chance of it rolling, youll need to loosen the hubcaps (unless your car has mag wheels) and wheel nuts before you jack up the car. Most wheel nuts loosen anti-clockwise, unless they have an L written on them, in which case they loosen clockwise. Do not remove the wheel nuts completely, says Creamer. Once the wheel nuts are loose, jack your car up, but not too high the further you lift the car, the further youll have to lift the new wheel off the ground. Now take the wheel nuts out and take the wheel off, making sure that you keep the wheel nuts in a safe place. Place the new wheel on and loosely tighten the wheel nuts. Only tighten them completely once you have lowered your car back onto the ground. Tighten the nuts as firmly as possible, stand on the wrench if you need to, and dont forget to put the hubcap back onto your wheel once youve finished. Lastly, dont forget to get your punctured or flat tyre fixed or replaced as soon as possible, concludes Thomas Creamer.

TELESURE MD, THOMAS CREAMER: KEEP WARM THIS WINTER WITHOUT THE HEFTY PRICE TAG Winter has arrived with vengeance and homeowners are now bracing themselves for what its going to cost them to keep warm. As it is, running heaters to keep internal temperatures cosy adds unwanted weight to the monthly bill, but with electricity tariffs going up, bills are going to be even heavier. Telesure MD, Thomas Creamer is encouraging South Africans to be mindful about their use of heaters, and if they can, try to replace old, power-hungry heating systems with new, energy efficient ones. According to Thomas Creamer, The recently-implemented electricity tariff hikes already have a lot of homeowners reeling at their utility bills, and with the start of winter, it is only going to get worse. The key to us managing electricity costs is to manage our electricity usage. What this means is being more mindful about how and when we use electricity. Admittedly, in winter this is hard because you feel that you should be able to switch on your heater if youre cold. However, it you dont want to be faced with rocketing electricity bills that you cant afford, you need to be conservative about using heaters. Your mindfulness will provide some insurance against big power bills this winter. Citing information from Eskoms website, Creamer says replacing inefficient appliances with energy efficient ones is a guaranteed way to keep electricity consumption in your home at a minimum. If youre in the market for a new heater, do not neglect to scrutinize your options carefully in terms of their efficiency. Try to buy the most energy efficient heater you can afford. The higher the wattage the heater operates at, the less energy efficient it is and the more its going to cost you to run it. As a rule, heaters with built-in thermostats are more energy efficient than those that are not thermostatically controlled. It is also important to buy the right type of heater for the space you are trying to heat. A small fan heater in a cavernous, tiled lounge is going to be fighting a losing battle, and chewing power at the same time. If you dont have the money to invest in a more appropriate and more efficient heater this winter, you can also help keep your heating costs in check by being conscious about how you use existing heaters. Only use heaters in occupied rooms Close all windows, curtains and doors while your heater is in use Only switch on your heater when it is really necessary, after youve added an extra layer of clothing or even a blanket Use the heater on the lowest comfortable setting You can also try to save electricity in other areas of your home to offset the increase in usage by your heaters, concludes Creamer.

TELESURE MD, THOMAS CREAMER: PREVENTATIVE MEASURES FOR SMASH-AND-GRAB ATTACKS Telesure MD, Thomas Creamer says: The ever-present and ever-increasing incidence of smash-and-grab attacks committed by spark plug thugs, mainly at intersections and at traffic lights, in cities across the country, demands immediate and effective action. Although the police are taking several steps to combat smash-and-grab incidents around the city, it is up to you, the motorist to avoid becoming a victim by remaining as vigilant and alert as possible. Here are some tips to prevent a smash and grab attack: Leave your passenger windows open by about three centimeters to make the glass more flexible, allowing the window to absorb the sudden impact of an attempted smash-andgrab. It is advisable not to leave any valuables, or anything at all worth stealing, visible on either your passenger or back seat. By doing this you are attracting the attention of potential smash-and-grab thieves. Keep your briefcase or handbag stored in the boot or under your seat. Street intersections, stop signs or driveways are regarded as smash and grab hot spots at any given time. Always remain on full alert when stationary in your vehicle. When you approach an intersection, leave a reasonable stopping distance between you and the car in front of you to allow yourself room to maneuver and escape any dangerous situation. Keep your hand close to the hooter when you are at a robot or stop street. When approaching a red traffic light at night, it is better to slow down so that you only reach it when it turns green. Possibly the best smash-and-grab preventative means is to have polycarb film fitted to your windows. This is tinted so that potential thieves cannot see into your car. The film makes it extremely difficult to shatter your windows and it also reduces glare. In addition, the film reduces the chance of injury from broken glass.

In the event of a smash-and-grab attack it is advisable to remain calm and do not show any signs of aggression or threaten or challenge the culprit. Items such as handbags and cellphones are replaceable, your life is not! TELESURE MD, THOMAS CREAMER: UNDERSTANDING YOUR INSURANCE PREMIUMS According to Telesure MD, Thomas Creamer: How many people actually understand why their insurance premium is what it is, or why they fit into a particular risk category? Ensuring that you understand how your premium is made up and why it is the level it is, can help to make sure that youre paying the right amount. With car insurance, the premiums vary according to the likelihood of you being involved in an accident, or of your car being stolen. The fewer claims you have had in the past, and the smaller the claims that you have made, result in you having a better risk profile. This, in turn, means a better premium. You may even be eligible for a discount on your car or household insurance if you have never claimed.

Insurance companies classify clients according to these various characteristics, including details such as where the vehicle is stored overnight and the make, model and age of the vehicle. An important consideration is the fact that some cars are more susceptible to theft than others: For example, a very common model on the roads is easy to obtain parts for, so it is likely to be a greater target for theft. Also taken into account is the safety record of the model you are insuring, plus the cost to repair or replace it. In addition, other aspects such as whether you use the car for business or pleasure also impact on premiums. While it is not possible to control the portion of your premium that is affected by your cars make and model, you can keep your premiums at an affordable level by claiming only when strictly necessary, if at all, ensuring that your car security is as good as possible, and driving safely to minimise the chance of being involved in an accident. TELESURE MD, THOMAS CREAMER: WHAT TO DO IF YOU SEE A CAR ACCIDENT? The sound of screeching breaks a crash and thump and then silence. Someone has been involved in an accident. Your immediate reaction is to jump out of the car to assist, to see if anyone is hurt, to call someone. But wait - are you equipped to handle such an emergency? According to Telesure MD, Thomas Creamer: Witnessing a car accident take place can be an extremely traumatic and frightening experience especially if you are first on the scene so to speak. It is human instinct to want to help in some way until the paramedics and emergency vehicles arrive, and knowing how to react in this situation will improve the outcome for everyone involved. The following pieces of advice will ensure that you know the proper procedure for dealing with this type of situation until the emergency services and / or police arrive: As a precautionary measure, keep first aid supplies, an emergency kit and fire extinguisher in your car. If you see an accident occur, safely pull over to the side of the road, turn off your car, and turn on your hazard lights. If you suspect someone has been injured, immediately contact emergency services on 082 911 or 10111. Even if no-one has been injured, report the matter to the Metro Police and/or the South African Police Service. Make sure to take note of the exact location you are in and advise the emergency dispatcher accordingly. If you have warning triangles, put them out alongside the road about 15 to 20 metres before the accident so that traffic is aware that there has been an accident ahead. Approach the scene of the accident and check to see if anyone is injured If no-one has been injured, suggest that the cars are moved to the side of the road so that they do not obstruct the traffic flow.

If someone has been injured, the most important principles to remember when helping an accident victim are as follows: Safety Your safety comes first. Do not attempt heroics which may potentially jeopardise your own safety. If there is any fire/ flames and you have a fire extinguisher, use it and direct the foam/ water at the base of the flames.

Do NOT move the patient or attempt to remove them from the vehicle UNLESS there is an immediate threat to life (e.g. the car is on fire and you are unable to extinguish it). There may be an underlying injury to the neck or spine and unnecessary movement could make this worse. If the person is unconscious, open the mouth and check there is nothing inside causing obstruction. Check if the person is breathing. If the patient is breathing leave them in the position you find them and monitor them regularly. If the patient is NOT breathing and you have been trained to do so, you may begin CPR and rescue breathing as necessary. If a person is bleeding heavily from a wound, take any available material e.g. a t-shirt/ gauze from the first aid kit/ a towel/ a blanket/ etc, and place it over the open bleeding wound. Then, press tightly applying direct pressure to the wound. Maintain that pressure until the emergency services arrive. Do not stop pressing to check if there is continued bleeding or to look at the wound. This procedure may save a persons life. Make sure to inform the people involved in the accident that help is on its way. Advise them to stay calm and still.

Remaining calm in such a situation is difficult but is in the best interests of everyone involved. Remember that if you feel that your safety is at risk, rather wait until someone else is on the scene before attempting anything, concludes Thomas Creamer. TELESURE MD, THOMAS CREAMER: WHAT TO DO IF YOU ARE INVOLVED IN A CAR ACCIDENT According to Telesure MD, Thomas Creamer: Being involved in a car accident is a traumatic experience and even a slight bumper bashing can leave a person badly shaken. When emotions are running high, it can be difficult to think clearly. Heres some tips on what to do after the dust has settled: Switch on your hazard lights to warn other motorists that there is a problem. If it is a minor accident with no significant injuries, move the cars out of the way of the traffic. If there are any injuries, do not move the vehicles. Immediately contact emergency services on 082 911 or 10111. Report the matter to the South African Police Service. Make sure to take note of the exact location you are in. Write down as many details of the accident as possible, including the details of the other driver and their car, car registration numbers, names of witnesses, date and time of the accident. Also, make a note of the street name/s where the accident happened Contact your insurer as soon as possible with your police case number.

TELESURE MD, THOMAS CREAMER: WHAT TO DO WHEN ITS NOT YOUR FAULT Picture this scenario: You are merrily driving on your way and all of a sudden, crash. But wait. Rewind. Were you driving at the correct speed? Check. Did you indicate to show your intention to turn? Check. Did you obey the traffic sign and follow the rules of the road? Check. Did the other driver? Being involved in a car accident is a traumatic experience whether it is your fault or not. The process after the dust has settled can be equally as distressing as once you have made sure that everyone is in good condition, nerves have calmed and heart rates have normalised, its time to start the insurance claims process, says Telesure MD, Thomas Creamer. What makes this task so distressing is that a third of all South African drivers are not insured. So even if you diligently pay your insurance premiums every month, the guilty party may be driving sans protection, leaving you in a tricky situation. Heres some advice for what to do when it is not your fault: If the guilty party is insured you have two options. 1. You have a choice of claiming against your own insurance policy, in which case an excess amount is payable. An excess is the first amount payable by the insured in the event of a claim. Whats more, your Bucks Back Bonus, which rewards you for an uninterrupted claims free history, will be forfeited and your claim may have an adverse effect on your monthly premiums. Most insurance companies do offer a free legal service, whereby, if it is not your fault, your insurer will recover the excess amount from the guilty parties insurer, which in turn will be paid back to you. 2. You could alternatively opt to put in your claim against the guilty parties policy and you will not be liable for an excess payment. The downside of this is that you may not have the choice of which panel beater to go to and will therefore have no control over the repair process. If the guilty party is not insured you have two options. 1. You could claim against your own insurance policy. If you choose this option, your insurer will try to recover the excess amount from the guilty party. This can take a long time and usually the amount owing will be paid in monthly instalments. 2. On the other hand, you could elect not to put a claim in against your policy and in your personal capacity, claim back the cost of the repairs from the individual. The average cost to repair damage caused by a motor accident is in the region of R7000 to R8000 and most people do not have this money handy. This option may result in lengthy court procedures. It all comes down to two points: Having an insurance policy in place is a win-win situation and driving without cover is simply irresponsible and is something that can cripple you financially. As a motorist we all have the obligation to ensure we have insurance, as accidents do happen!