Deprecated: Creation of dynamic property wpdb::$categories is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$post2cat is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/wp-db.php on line 668

Deprecated: Creation of dynamic property wpdb::$link2cat is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/wp-db.php on line 668

Deprecated: Return type of WP_Theme::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-theme.php on line 554

Deprecated: Return type of WP_Theme::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-theme.php on line 595

Deprecated: Return type of WP_Theme::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-theme.php on line 535

Deprecated: Return type of WP_Theme::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-theme.php on line 544

Deprecated: Return type of WP_REST_Request::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/rest-api/class-wp-rest-request.php on line 960

Deprecated: Return type of WP_REST_Request::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/rest-api/class-wp-rest-request.php on line 980

Deprecated: Return type of WP_REST_Request::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/rest-api/class-wp-rest-request.php on line 992

Deprecated: Return type of WP_REST_Request::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/rest-api/class-wp-rest-request.php on line 1003

Deprecated: Return type of WP_Block_List::current() should either be compatible with Iterator::current(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 151

Deprecated: Return type of WP_Block_List::next() should either be compatible with Iterator::next(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 175

Deprecated: Return type of WP_Block_List::key() should either be compatible with Iterator::key(): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 164

Deprecated: Return type of WP_Block_List::valid() should either be compatible with Iterator::valid(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 186

Deprecated: Return type of WP_Block_List::rewind() should either be compatible with Iterator::rewind(): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 138

Deprecated: Return type of WP_Block_List::offsetExists($index) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 75

Deprecated: Return type of WP_Block_List::offsetGet($index) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 89

Deprecated: Return type of WP_Block_List::offsetSet($index, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 110

Deprecated: Return type of WP_Block_List::offsetUnset($index) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 127

Deprecated: Return type of WP_Block_List::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-list.php on line 199

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property ET_Core_HTTPInterface::$expects_json is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/HTTPInterface.php on line 305

Deprecated: Creation of dynamic property ET_Core_HTTPInterface::$owner is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/HTTPInterface.php on line 307

Deprecated: Creation of dynamic property ET_Core_API_Spam_ReCaptcha::$data_utils is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/api/Service.php on line 244

Deprecated: Creation of dynamic property ET_Core_API_Spam_ReCaptcha::$API_KEY_REQUIRED is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/api/Service.php on line 247

Deprecated: Creation of dynamic property POMO_FileReader::$is_overloaded is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 26

Deprecated: Creation of dynamic property POMO_FileReader::$_pos is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 29

Deprecated: Creation of dynamic property POMO_FileReader::$_f is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/streams.php on line 160

Deprecated: Creation of dynamic property MO::$_gettext_select_plural_form is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/pomo/translations.php on line 293

Deprecated: Creation of dynamic property WP_Block_Type::$skip_inner_blocks is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-block-type.php on line 347

Deprecated: trim(): Passing null to parameter #1 ($string) of type string is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp.php on line 173

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: ltrim(): Passing null to parameter #1 ($string) of type string is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/wp-db.php on line 3030

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$object_id is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property ET_Core_PageResource::$location is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/PageResource.php on line 306

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$cat_ID is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 378

Deprecated: Creation of dynamic property WP_Term::$category_count is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 379

Deprecated: Creation of dynamic property WP_Term::$category_description is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 380

Deprecated: Creation of dynamic property WP_Term::$cat_name is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 381

Deprecated: Creation of dynamic property WP_Term::$category_nicename is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 382

Deprecated: Creation of dynamic property WP_Term::$category_parent is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/category.php on line 383

Deprecated: Creation of dynamic property ET_Builder_Module_Field_BoxShadow::$template is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/module/field/BoxShadow.php on line 17

Deprecated: Creation of dynamic property ET_Core_PageResource::$location is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/PageResource.php on line 306

Deprecated: Creation of dynamic property ET_Core_PageResource::$location is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/PageResource.php on line 306

Deprecated: Creation of dynamic property ET_Builder_Section::$text_shadow is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Section::$margin_padding is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Section::$_additional_fields_options is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row::$child_item_text is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row::$text_shadow is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row::$margin_padding is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row::$_additional_fields_options is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row_Inner::$child_item_text is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row_Inner::$text_shadow is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row_Inner::$margin_padding is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Row_Inner::$_additional_fields_options is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Column::$additional_shortcode_slugs is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Column::$advanced_setting_title_text is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Column::$text_shadow is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Column::$margin_padding is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property ET_Builder_Column::$_additional_fields_options is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/class-et-builder-element.php on line 1283

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

Deprecated: preg_match_all(): Passing null to parameter #2 ($subject) of type string is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/includes/builder/feature/display-conditions/DisplayConditions.php on line 284

Deprecated: Creation of dynamic property ET_Core_PageResource::$location is deprecated in /usr/www/users/sbcfsgnmjb/wp-content/themes/Divi/core/components/PageResource.php on line 306
<!DOCTYPE html>
<html lang="en-US">
<head>
	<meta charset="UTF-8" />
<meta http-equiv="X-UA-Compatible" content="IE=edge">
	<link rel="pingback" href="https://www.sbcfs.co.za/xmlrpc.php" />

	<script type="text/javascript">
		document.documentElement.className = 'js';
	</script>

	<title>Finance | SBC Financial Services</title>
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	  * Copyright (c) 2015 Daniel Eden
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Deprecated: Creation of dynamic property WP_Term::$term_order is deprecated in /usr/www/users/sbcfsgnmjb/wp-includes/class-wp-term.php on line 198

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<li id="menu-item-8092" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-has-children menu-item-8092"><a href="https://www.sbcfs.co.za/#about-us">About Us</a>
<ul class="sub-menu">
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<ul class="sub-menu">
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</ul>
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					<article id="post-8052" 
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class="et_pb_post post-8052 post type-post status-publish format-standard has-post-thumbnail hentry category-finance category-insurance">

											<a class="entry-featured-image-url" href="https://www.sbcfs.co.za/certain-policy-conditions/">
								<img src="https://www.sbcfs.co.za/wp-content/uploads/2016/10/OAIHSN0.jpg" alt="Certain pertinent policy conditions" class="" width="1080" height="675" />							</a>
					
															<h2 class="entry-title"><a href="https://www.sbcfs.co.za/certain-policy-conditions/">Certain pertinent policy conditions</a></h2>
					
					<p class="post-meta">
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 by <span class="author vcard"><a href="https://www.sbcfs.co.za/author/petrovanderwatt/" title="Posts by Petro van der watt" rel="author">Petro van der watt</a></span> | <span class="published">Oct 17, 2016</span> | <a href="https://www.sbcfs.co.za/category/finance/" rel="category tag">Finance</a>, <a href="https://www.sbcfs.co.za/category/insurance/" rel="category tag">Insurance</a></p>&nbsp; 1 The average clause (As quoted from the AIG Multi Armour Policy Wording)&#8221;If the property insured is, at the commencement of any damage to such property by any peril insured against, collectively of a greater value than the sum insured thereon, then the...				
					</article>
			
					<article id="post-8048" 
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class="et_pb_post post-8048 post type-post status-publish format-standard has-post-thumbnail hentry category-finance category-insurance">

											<a class="entry-featured-image-url" href="https://www.sbcfs.co.za/fais-legislation-requirements/">
								<img src="https://www.sbcfs.co.za/wp-content/uploads/2016/10/s3x-1326-277.jpg" alt="FAIS Legislation Requirements" class="" width="1080" height="675" />							</a>
					
															<h2 class="entry-title"><a href="https://www.sbcfs.co.za/fais-legislation-requirements/">FAIS Legislation Requirements</a></h2>
					
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 by <span class="author vcard"><a href="https://www.sbcfs.co.za/author/petrovanderwatt/" title="Posts by Petro van der watt" rel="author">Petro van der watt</a></span> | <span class="published">Oct 17, 2016</span> | <a href="https://www.sbcfs.co.za/category/finance/" rel="category tag">Finance</a>, <a href="https://www.sbcfs.co.za/category/insurance/" rel="category tag">Insurance</a></p>Client to sign PPR and letter of appointment Broker to provide sound and professional advise Broker to be FSP accredited Broker to make client aware of policy terms and conditions. Although the broker will endeavour to place the client in the best possible position,...				
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