August 2009






How to help your cashflow, the environment and your staff

SATIB has you covered! As Africa’s preferred tourism and hospitality insurance brokers, we have undertaken various initiatives to assist in effective management on many levels. This ranges from fundamental business principles like cashflow, to addressing social and environmental issues.

As of last month SATIB implemented a fantastic new SMS service to benefit clients who make debit order payments. An SMS message – serving as a reminder of the payment date and amount due – is transmitted a few days before the impending debit order is deducted from your account, which means that you are better able to manage cashflow and decrease your potential risk.

This risk is incurred if insufficient funds prevent the premium being paid on the date due, resulting in your business being uninsured.

Clients who are not currently on a debit order system for premium payments are advised to do so as soon as possible, and these have the flexibility of being paid on a monthly, quarterly or annual basis.

While servicing clients is of paramount importance, SATIB’s business is inextricably woven with the environment. Many of our clients rely on natural resources and we felt it was imperative to be respectful of this very environment. As such, SATIB is proud to have launched a green initiative in the quest for a paper-free environment.

After an investigation into our own company’s use of paper and office materials, SATIB Group Marketing Director, Des Langkilde was shocked to see how much was being used. “We would traditionally present our clients with printed copies of all of their insurance policies and related compliance documents at both inception of insurance and at annual renewal stage. Duplicate copies of these documents would also be kept on file at our offices and a set would be forwarded to the relevant insurers as well,” he explained.

SATIB felt a moral obligation to assist with green initiatives and (aside from the financial saving) introduced another value-added benefit to assist you in attaining your responsible tourism objectives. SATIB GREEN is a digital insurance portfolio that enables clients to access their insurance information via SATIB’s intranet 24/7.

This ensures that you can access all this information online from anywhere in the world and, in so doing, do away with the need for reams of printed insurance policy documents.

As a hands-on, family-run company SATIB also understands the need to take care of people … which led to the creation of the SATIB 24 emergency response cover over two years ago. Initially this cover was for guests, but the number of calls received at the SATIB24 Crisis Call Centre indicated the need to offer the same privilege to staff.

Inevitably staff fall prey to hazards of the job, and the Call Centre has, to date, handled staff-related incidents including injury sustained whilst using operating equipment; being stung by a scorpion; falling off a staff vehicle, being attacked by wild animals and sustaining facial injuries from an exploding gas bottle.

Having identified the need to provide an appropriate service to staff, we have developed the SATIB24 Staff Insurance solution. This can be obtained at very reasonable annual premium rates on either a ‘selected staff’ basis from R1.03 per staff member per day, or on an ‘all staff’ basis from R0.86 per staff member per day, depending on the number of staff employed. Direct family members of employed staff (i.e. spouse and/or children) who reside at the same premises or location can also be provided for.

SATIB24 will always provide professional advice in an emergency, however, it is important to note that insurance cover does need to be specifically arranged to enable the activation and payment of the appropriate medical response and evacuation of staff members.

For more information on any of the above initiatives, please can contact your account handler, your nearest SATIB branch office representative listed on the website at www.satib.co.za, or telephone 031 562 1880.


SATIB Namibia Branch

SATIB’s footprint in Africa continues to grow and it therefore gives us great pleasure to announce the latest addition to our SATIB Africa family – SATIB Namibia. Our Namibian office and brokerage has officially been open for business from 01 August 2009 and will be ably managed by Johan Liebenberg who will head up our Namibian operation as Managing Director based in Windhoek. SATIB Namibia will have broker agencies with all the main Namibian Insurers as well as the Lloyd’s of London backed specialist tourism underwriter, TRUM (Tourism Risk Underwriting Managers).

SATIB is thrilled to welcome Johan and his team to SATIB and wish them every success for the future.

HR Update

Movements:
Carol Prisley, who has been SATIB’s KwaZulu-Natal Head Office Receptionist, has joined SATIB’s Risk Management Division, TRM (Tourism Risk Managers), as Personal Assistant to TRM Director, Andre Du Toit. SATIB wish Carol all the best in her new venture.

Welcome:
Precious Nosihle Sibiya, who joined the SATIB KwaZulu-Natal Head Office team and is assuming the responsibility as Receptionist, previously fulfilled by Carol Prisley. Precious studied Credit Management at MLSultan Technikon and has 7 years experience in customer services.


Johan Liebenberg, who has joined SATIB to head up the SATIB Africa Namibia Branch.  Johan, born and raised in Namibia, is very well known in the local insurance / tourism industry and comes with a wealth of insurance knowledge, having been in the industry for 16 years. He has also climbed Mount Kenya and Kilimanjaro in recent years and traveled most of Africa.


Sodi Norval, who has joined Johan at our SATIB Africa Namibia Branch as Internal Broker. Sodi, has a Marketing Qualification obtained from Stellenbosch College and 10 years experience in the insurance industry.


Brett Lazarus, who joined the SATIB KwaZulu-Natal Head Office team as a Sales Consultant.  Brett has been in sales since he left school and in 2004 joined Momentum as their financial advisor, a role which he held until joining SATIB.


Evashnie Arnachellam, who joined the SATIB24 Crisis Call Centre team, situated at SATIB’s Head Office in Kwa-Zulu Natal, as one of the Crisis Call Centre’s Facilitators.  Nash recently returned to SA after working in the UK for the past 5 years.  She has a Bsc Degree and a Diploma in Nutrition and Dietetics.


Hemlatha Lil Ruthan, who joined the SATIB KwaZulu-Natal Head Office team in the Accounts Department.  Hemlatha has a Bachelor of Social Science Degree, Majors include Law and Sociology and is currently completing her 2nd year of B.Com Financial Management.  In 2004 Hemlatha joined a company called Uni-Brick ‘n Block, where she held an accounts position before joining SATIB.

PREPARE Awards

The PREPARE Award initiative is an Ivory Group internal innovation and recognition process that recognises staff Participation, Responsibility, Education, Productivity, Accountability, peer Recognition and service Excellence.


PRODUCTIVITY AWARD
This category encourages and recognises staff suggestions that will have an impact on our business efficiency processes such as cost / time saving procedures or systems and minimising waste.

In July we had suggestions put forward by: Alexis Fernandes

Each of the above staff members received a cash reward for submitting their suggestions and are now eligible for the annual Productivity Award and prize, which will be announced at year end. Keep the ideas flowing Team!

CUSTOMER SERVICE AWARD

This award pays tribute to staff members who are recognised by our clients for delivering exceptional service that exceeds expectation.

The accolades received from clients during July were for: Deborah Bauer, Leveshni Pillay, Yolande Lambert, Sarah De Figueiredo, David Basson and Kim Hughes, Sarah De Figueiredo & Carla Gillham.

Deborah Bauer
“You are a star... Thank you!”
- Mandy Hilcove | QuickNews

“Thank you for such speedy and prompt service.”
June Nikles | Prosperity Insurance

Leveshni Pillay
“Thank you so much – efficiant, fast service appreciated!!!”
- Cecil Harley | Climax Tourism Services CC

Yolande Lambert
”You rock! Thanks :-)”
- Morten Nielsen

Sarah De Figueiredo
“You are an absolute star!!!  Thank you so much for all your help.”
- Keren | Mzuri Horse Trails

David Basson
”David, you’re a star.  Many thanks for your speedy work”
- Tammy Chaplin | Wilderness Safaris Botswana

”Thank-you so much for all of your help, I really appreciate it.”
Candice Henry | Jenman Safaris

Kim Hughes, Sarah De Figueiredo & Carla Gillham
“Many thanks Kim, this is really marvelous, you can imagine what this will mean to the Potgieter family.  A sincere and big thank you to all concerned.”
- Barbara Holcroft | Nicholls Steyn & Associates

And the winner is Debbie Bauer.  Debbie received a R500 Woolworths Shopping Voucher for her accomplishments.


SKILLS TRANSFER AWARD
This award pays tribute to staff members who are recognised by their colleagues for living up to the Group Team Commitment Charter in areas such as transferring knowledge, helping with a problem, contributing information and attitude towards their peers.

Samantha Allen
“I would like to nominate Sam for the chairman’s award, no one deserves it more than her.”
- Penny Robertson

“I would like to nominate Samantha Allan for the Chairman’s award. She did a fantastic job assisting me with the renewal of the Kube Yini portfolio this month. Samantha is a real team player and will go the extra mile for any of her colleagues, regardless! She is a real asset to the Ivory Group, and deserves recognition for her efforts.”
- Stacey Seagreen

“Sam has the ability to do what ever she is asked to do with in minutes of the request, we thank her for all she does for us not only here in the EC but in general, pleasant, happy and always eager.”
- Carri Poultney

Denise Lundin
“I would like to nominate Denise for the Chairman's Award as follows: Congratulations to Denise for a job superbly done - "The Budget".  Many weeks and hours of hard work, determination and sometimes frustration in having to do changes when necessary to get the job done, not forgetting many week-ends were put aside as she worked Saturdays and Sundays, and until late at night.  Her presentation Portfolio professionally done, she really takes pride in her work.  Well done Denise, until next year you certainly deserve a reward.”
- Rose Kranz

Louise Norman
“I would like to nominate Louise Norman for the chairman’s award.  Louise is very hard working and always willing to help .  Although she is new to the company and not very familiar with the industry , she tries very hard and is keen to learn. When ever any one is off sick or on leave she automatically , without being asked , takes it upon herself to go and check that person’s desk to see if there is any work which needs to be attended .  She is a good team player and promotes a good team spirit.”
- Sarah De Figueiredo

The nominees for the Skills Transfer Award for July are: Samantha Allen, Denise Lundin and Louise Norman.

Congratulations to Samantha Allen, who has been selected as the recipient of the July 2009 Chairman’s Award. Samantha received a R250 Woolworths Shopping Voucher for her accomplishments.

Welcome to the SATIB Tourism Risk Team

The SATIB Team welcomes the following discerning clients who have entrusted their insurance broking and claims handling to us:

About Nature Tours
(Tour Operator)
African Explorer Travel & Tours
(Shuttle Service)
Wildtime African Wilderness Experiences
(Safari Lodge)
Bronee Sten A &
Lucent Properties 24
(Personal Lines)
All about Africa Tours and Travel
(Tour Broker)
Applecart Properties
(Safari Lodge)
Cape all Tours
(Tour Operator)
Cape to Addo Safaris
(Tour Operator)
Divi Divi Exclusive Tours
(Tour Operator)
Game Birds Southern Africa Inc.
(Hunting)
James Dickinson Holdings (Pty) Ltd
(Safari Lodge)
Marius Malherbe
(Personal Lines)
Moontide Guest Lodge
(Hospitality)
Mr A. B. R. Green
(Safari Lodge)
Mr & Mrs D. Brink
(Tour Operator)
Mr P. Saayman
(Personal Lines)
Pacific Blaze Investments
(Property)
Quanati Travelling & Accomodation
(Tour Operator)
Sea Paradise Guest House
(Hospitality)
Raff Trading Ltd
(Tourism Service)
Staff News

Well done Seamus!!!
Seamus O’Neill and his horse “Hercules” won the Federation Equestrian International Group 9 show jumping gauntlet at a show jumping competition in Ruretse Gaborone, Botswana on 11 July 2009.  The competition put to test the freedom, energy skill, speed and obedience of the rider and the horse.  He finished at a total time of 128.35 and without faults.

Staff Birthdays

Natasha Heyns 04
Carla Gillham 09
Linda Moodley 11
Dieter Prinsloo 13
Dewald Cillie 14
Vusi Sibiya 17
Kantha Naidoo 20
David Basson 22
Gavin George 22
Charmaine Pratt 24
Bernadine Swinny 25
Kevin Watson 28

Events

10 August 2009
National Women's Day (Public Holiday)
14 – 16 August 2009
National Boat Show
15 August 2009
Mankele Challenge 2009
23 August 2009
The Victoria Falls Marathon

Wine of the month

WARWICK - 2009 PROFESSOR BLACK SAUVIGNON BLANC

On the tongue…..

The mouth feel is crisp, yet rich and fruity, and coats the pallet evenly. The wine shows an abundance of tropical fruit, pear, grapefruit and lime aromas on the nose that carry through to the palette. The well-balanced acid and lingering aftertaste will make you come back for more.

What’s this wine all about ...

100% Sauvignon Blanc. The grapes where harvested at different levels of ripeness depending on fruit character, to ensure maximum fruitiness and complexity. The juice was handled reductively throughout the winemaking process and fermented very cold in specially designed stainless steel tanks. After fermentation the wine was kept on the gross lees for three month, blended and finally bottled in June 2008.

Nice to have with…..

Fresh Oysters, goats cheese salad or grilled/steamed fresh-water fish.

Drink or Keep …..

Enjoy now.

What will this set you back……..

Priced from around R 90-00 per bottle.

( All information courtesy of Warwick Wines and of course, your two ardent wine lovers Dieter & Werner )

Proverbs

1st grade school teacher had twenty-six students in her class. She presented each child in her classroom the 1st half of a well-known proverb and asked them to come up with the remainder of the proverb.  It's hard to believe these were actually done by first graders. Yes indeed, I find it very hard to believe – however...

  1. Don’t change horses...until they stop running
  2. Strike while the...bug is close
  3. It's always darkest before...Daylight Saving Time.
  4. Never underestimate the power of...termites
  5. You can lead a horse to water but...How?
  6. Don't bite the hand that...looks dirty.
  7. No news is...impossible

8. A miss is as good as a...Mr.
9. You can't teach an old dog new...Math
10. If you lie down with dogs, you'll...stink in the morning.
11. Love all, trust...Me.
12. The pen is mightier than the...pigs.
13. An idle mind is...the best way to relax.
14. Where there's smoke there's...pollution.
15. Happy the bride who...gets all the presents.
16. A penny saved is...not much.
17. Two's company, three's...the Musketeers.
18. Don't put off till tomorrow what...you put on to go to bed.
19. Laugh and the whole world laughs with you, cry and...You have to blow your nose.
20. There are none so blind as...Stevie Wonder.
21. Children should be seen and not...spanked or grounded.
22. If at first you don't succeed...get new batteries.
23. You get out of something only what you...See in the picture on the box
24. When the blind lead the blind...get out of the way.
25. A bird in the hand...is going to poop on you. 
And the WINNER is -  
26. Better late than...Pregnant

This section of the SATIB Insight is devoted to news from SATIB clients. If you have any news or articles about your company that you would like to see published please e-mail in Word file format to marketing@satib.co.za and specify INSIGHT CLIENT NEWS in the "Subject" panel.
SATIB Hluhluwe Rhino Mountain Bike Charge 2009

The Hluhluwe Rhino Charge, organized by SATIB’s client Hluhluwe River Lodge, presented it's 5th edition of the Moutain Bike Race and took place on Sunday the 26th July 2009. The event was a fund raising event for the Hluhluwe Private School and all the logistics of running the event are provided by the parents, teachers and friends of the school.

SATIB, the main sponsors of the event, were there in full support with Des Langkilde (Marketing Director) riding the 50km route and Stephen Weller (KZN Branch Manager) riding the 25km route, even Des’s son, Chase entered the team spirit by finishing the 10km fun ride. Many SATIB clients also participated in the race and by the sounds of things ereally enjoyed it.

The race route passed through two game reserves namely 'Ubizane' and 'Double H Ranch' as well as some agricultural land and farm conservancy. The organizers also sponsored a team of development riders on the day.

The Saturday before the race a group of 20 riders enjoyed a leisurely 30km ride along the shoreline of Lake St Lucia – this is where you see the beauty of mountain biking. Anyone interested in riding in the area can email gavin@hluhluwe.co.za or call Hluhluwe River lodge on 035 562 0246.

We look forward to another bumper event next year.

FGASA announces lodge grading plan for guides

The Field Guides Association of Southern Africa (FGASA) has decided to introduce a grading system for Corporate Lodge/Camp membership based on a Bronze, Silver and Gold membership category.
The purpose of the categories is to give recognition to a lodge or camp that promotes FGASA as an association and its standards, as well as providing support and creating career paths for its member guides. 

There are fairly strict requirements to qualify along with a scale of benefits to the corporate membership categories. 

Two lodges have been graded under the scheme, both of which received Gold status. The lodges graded are Singita Game lodge and SATIB client Royal Malewane. 

“The most important aspect of a wildlife experience in a lodge or camp is the guide and it is felt by FGASA that the guides need to be recognised for what they do for the lodge in all aspects.  It is felt that it is time that employers of guides make use of the quality of their guides to promote the particular wildlife experience they are offering,” said Grant Hine, managing director.

“In short, the lodge or camp is graded according to how it treats its guides and other staff members in terms of skills development, accommodation, salaries in relation to qualifications, years of experience and job requirements,” he said.

“It is hoped that lodges/camps will make use of this grading system as part of their marketing strategy,” concluded Hine.

Source: www.tourismupdate.co.za/NewsDetails.aspx?newsId=20202

General Recycling Info

Recycle all your paper, glass, plastic, metals, etc.  Producing new paper, glass and metal products from recycled  materials saves 70 to 90 percent of the energy and pollution that would result if the product came from virgin materials. Recycling a stack of newspapers only 4 feet high will save a good-sized tree.

Whether you are at home, school or work, don't waste paper. Using both sides is a great way to save.

Magazines:
  • Pull out articles/information/pictures for later reference
  • Save interesting pages for decorative wrap
  • Use magazine pages and covers for book covers
  • Use colourful paper for origami and other paper projects
  • Donate magazines to friends, senior citizens, convalescent hospitals, doctors' offices, hospital waiting rooms, etc.

• Avoid aerosol cans.  They have no practical reuse or recycling potential.  Instead, look for products like hair spray or room freshener that come in pump spray bottles that are recyclable.
• If you bring home shopping bags, reuse them as garbage bags or return them to the store for recycling.  Most supermarkets now have recycling bins for both plastic and paper bags.  Even better, bring your own cloth or mesh bag with you when you go shopping.
• Purchase products compatible with your neighbourhood recycling program.  Plan ahead and consider what you will be buying and where things will ultimately end up.
• Charity and nearly new shops, jumble sales and community schemes are good places to donate or sell second hand clothes, toys and furniture.  It is also well worth shopping at second hand outlets.
• Donate unwanted clothes, toys, or household goods to a charitable organization or homeless shelter.  Worn-out clothes can be turned into rags for household cleaning - just wash and reuse.
• Use containers again - buy food, drinks and toiletries in returnable containers and ask local shops to stock them.  Ask your school or workplace to provide reusable cups, plates, cutlery etc.
• Recycle your junk mail, screening it for non-recyclable items like magnets and membership cards. There are also several ways to reduce the amount of junk mail you receive, such as having your name removed from national mailing lists and broker lists.
• Styrofoam takes a long time to decompose. Instead of using Styrofoam cups, use glass or ceramic. If you receive Styrofoam peanut packaging, reuse it, or donate it to your local box or shipping company.
• The best environmental choice is to repair, restore or adapt a product you already have. You may need professional help but it could still be cheaper than something new - half of electrical goods left at dumps work or require only very basic repairs.
• Don't through away old computers or electronic parts and equipment.  Take it to a electronic recycling company / centre.  The components used in electronics is very toxic and currently most of it is ending up on dumping sites where it is poisoning the ground and even the underground water.   (Equipment to recycle: PC's, Printers, Notebooks, TV's, VCR's, DVD Players, Notebooks, walkmans, cell phones, PDA's, etc)  
• Don't just through away old and empty printer cartridges.  Take it to be recycled and even get paid for it. 
• Start with paper recycling at your office. 

Source: www.greensa.co.za/Mainpage.htm

Rising fraud linked to economic crisis

A large proportion of South African companies have experienced an increase in fraud detection rates since the start of the market turmoil.

Companies expect that the incidence of fraud will continue to increase in the economic crisis.

These are some of the findings of a recent snap poll carried out by Deloitte among 25 senior risk managers from a broad spectrum of companies.

Graham Dawes, a director in the risk advisory division at Deloitte, said yesterday: "The overriding concern in times such as these is that fraud in organisations will increase significantly."

The country had already seen an upturn in reported commercial crime statistics. This was to be expected where the gross domestic product was on the decline, Dawes said. For instance, with the turn of the millennium and the burst of the dot com bubble, commercial crime spiked upwards.

However, there was a gradual decrease in white-collar crime from 2001 until 2007. "There is an upward increase again in reported commercial crime as SA heads into one of its worst recessions," he said.

Fraud is considered to be the country's top financial crime, with police now investigating financial crimes totalling more than R8bn. Dawes said only 10% of cases were reported to the authorities.

"We are seeing a lot of high- level fraud taking place within companies," he said. Companies were also seeing huge shrinkage of stock taking place. "Theft of assets is taking place by those who are desperate and in need."

Dawes said upper-income employees tended to manipulate the payroll.

He said companies were starting to consider adapting fraud-prevention strategies.

Dawes said fraud risk management was an integral part of business risk management processes. He said a robust anti- fraud strategy should be at the centre of this initiative.

Please contact your account handler or click here to get more information on Fidelity Insurance cover ?

Source: allafrica.com/stories/200907090029.html

Gauteng roadworks challenge tour operators

Extensive roadworks and upgrades in the Gauteng area are proving to be a challenge for touring and transport operators, as traffic congestion, unfamiliar barriers, detours, traffic light outages and confusion at many intersections cause delays.  

“We are currently facing a number of challenges as a result of this and have had to adapt our schedules in order to ensure that our service levels are not affected,” says Thompsons Touring and Safaris GM, Angela Shackleford. “When it comes to airport transfers we previously allocated 45 minutes between Sandton and OR Tambo International Airport, but now we are having to allocate at least an hour, which in effect, is a time loss of 25%.

Shackleford goes on to say: “Our service delivery is governed by time, especially when a flight is involved, and since we are also restricted to a speed limit of 100km per hour, we are unable to make up for lost time when there have been traffic delays. Fortunately our drivers have excellent driving skills and with their extensive knowledge of the region, they are generally able to find alternative routes if necessary.”

Thompsons also has a 24-hour emergency system in place so that if there is a delay in a pick-up, the drivers can make the necessary call to arrange for the affected passengers to be notified. 

“Of course we understand that these upgrades are necessary to improve our infrastructure and we are delighted that in the long term road conditions will be improved as will the entire image of Gauteng.  As a result we are daily becoming more logistically creative in order to guarantee service levels,” Shackleford concludes.

Source: www.tourismupdate.co.za/NewsDetails.aspx?newsId=20270

Risk managers are mobilised to tackle downturn’s threats, says report

Risks posed by the economic downturn are forcing environmental and natural hazard risks to take a second footing, a global survey of senior executives reveals.

Meanwhile, risk managers are taking a greater role, and are under more pressure than ever, to protect their companies.

The risk management role is taking centre stage at companies eager to avoid exposing business to any higher degree of risk than is necessary at a time of deepening economic gloom.

Lloyd’s commissioned the Economist Intelligence Unit to research current risk perceptions and prioritisation among 570 board-level executives.

The global survey, which took place in March, covered a broad range of sectors and company size, and the findings are published in the Lloyd’s 360 Risk Insight report, ‘Risk priorities and preparedness’.

Regional variations
“Executives in all regions share similar priorities when it comes to the economy and business strategy, but there is greater divergence in other risk categories,” details the report.

“Economic, regulatory and market risk, and business and strategic risk, are given broadly similar priority ratings across the regions but there is greater divergence when it comes to political, crime and security risk.”

Executives in Asia, North Africa, Middle East and Latin America are sensitive to the prospect of political, crime and security risk, while those in China and Southeast Asia have assigned environmental and health risks at a higher level than their counterparts in other regions.

External versus internal risks
The report, which breaks down risk priorities by region, from the US to China, shows that top executives across sectors have similar anxieties over external risks, such as currency fluctuation, availability of credit, customer retention, insolvency and regulation, while they feel internal company pressures, such as corporate liability and reputational risks, are under a high degree of control.

“The regional diversity of risk highlights the need for local understanding and clear risk reporting,” the report’s authors state. “For multinationals seeking to invest in overseas markets or build a stronger international presence, it is clear that risk management must be tailored to meet local challenges and opportunities.”

Lord Levene, Lloyd’s Chairman, warns that executives should be cautious about their own perceptions of corporate preparedness, saying, “It’s completely understandable that companies focus on the latest problem, but good risk management needs to take into account the broader risks and potential threats, and keep an eye on the horizon.

What will disrupt business tomorrow is just as important as what is faced today.”

Lloyd’s 360 Risk Insight focuses on emerging risks and has published a series of reports for business leaders, all available at lloyds.com/360reports

• Risk priorities and preparedness, 17 July 2009
• Political instability, June 2009
• Climate change and security, May 2009
• Litigation and business—transatlantic trends, November 2008
• Coastal communities and climate change, September 2008
• Directors in the dock, May 2008
• Terrorism in Asia: What does it mean for business?  February 2008
• Terrorism and political risk update, February 2008
• Home-grown terrorism: What does it mean for business?,  November 2007
• Under attack? Global business and the threat of political violence,  June 2007
• Rapid climate change, November 2006
• What next on climate change? September 2006
• Adapt or bust, May 2006

Source: www.lloyds.com

Insurers in tune with classical musicians
A claim involved a couple who had an argument and the partner stamped on the other’s violin.

It’s a great story. Violinist leaves Stradivarius on a train. Musician leaves double bass on bus. Harpist leaves instrument in the café.

The reality is that such incidents are rare or non-existent. Musicians take care of their instruments in a way that few of us look after our phones, laptops or bikes.

Risk management and loss prevention is not a hard sell. That’s not to say that losses don’t occur in the niche area of musical instrument insurance.

But, says Robert Read, head of art and private clients at Hiscox, it is quite rare to have instruments left on a train.

“There are some theft losses but mostly it tends to be accidental damage, where someone has tripped over something and landed on an instrument,” he says. “The one that makes the headline, the musician who leaves their instrument on the train, is newsworthy but uncommon.”

More than just noise
The reason is not hard to find. “An instrument is a musician’s livelihood,” explains Read.

“If you have a Stradivarius violin and you drop it down the stairs and it smashes, you are directly affecting your livelihood, not simply that you have lost the intrinsic value of that instrument," he says. "So people tend to take good care of their instruments. And so it tends to be pretty good business to underwrite.”

He adds: “What we tend do at Lloyd’s is to get involved with classical instruments rather than electric guitars and keyboards, so we’re not going to have The Who smashing up their guitars on stage.”

Lost notes
Sarah Ottley, manager of the music division at Lloyd’s broker Lark Insurance Broking Group, points out some of the more common loss areas:

“Falling over or bumping into things with your instrument, somebody else tripping over the instrument, for example at a concert or a rehearsal, and damage caused to the instrument while playing it, for example by the bow damaging a string instrument. Damage by airlines is also a common problem, where it goes in the hold.”

Read says that there are two ways that an instrument can be covered.

“Either the musician insures the instrument as a single policy or what quite often happens is that the orchestra insures all the instruments for their musicians under a scheme.”

Does cover have strings attached?
Some instruments are more likely to be damaged than others, or may have a higher repair cost in the event of damage.

Ottley says that stringed instruments such as violins, violas and cellos tend to be lower risk than something like a double bass which costs more to repair if there is damage to it.

“The same is true of flutes and brass instruments—if they suffer a lot of damage they tend to be a total loss or the cost of repair is too high compared to the value of instrument, so it is an economic total loss. So those instruments tend to get rated higher.”

Unusual claims
It may be rare for a musician to leave his valuable instrument on the train, but there are more surprising, albeit very rare, claims.

“We had one claim where the insured ran over their instrument with their car,” says Ottley. “They meant to put it in the boot and forgot to pick it up and reversed over it.

"Another claim involved a couple who had an argument after going out for the evening and the partner stamped on the other’s violin.”

Source: www.lloyds.com

Economic update

Consumers are feeling the pain of the economic downturn and despite aggressive interest rate cuts, retail sales continue to fall. The same despondency can be seen in the US although there are signs of life returning to US consumers. For over indebted South African households the increased savings rate and rapidly declining private credit extension are positive signs that a financially healthier consumer will emerge.

You can read a review of how the global and local economies are faring in what appears to be a very tentative and turbulent recovery.

Use savings wisely
Homeowners may be finding that the 450 basis point rate this year so far has put some extra cash into their pockets. But with the Monetary Policy Committee not cutting rates further in June it is important that we make the most of our current savings to ensure our long term financial security.

In the article Use the savings on your bond repayments wisely you will find some sound ideas on how to make the most of your savings to start building on a long term financial plan. Neelan Porthen, head of risk products at Liberty, talks about the importance of creating a long term strategy for your risk cover that will adapt and change to your needs in his article Creating a Flexible Plan.

Also included is a brief guide on how best to invest your additional cash flow so that you are able to continue to build on your long term financial plan: Guide to Savings.

Source: Customer update newsletter received via email from Liberty Life Customer Communications | 15 July 2009

Cape Town Tourism responds to possible berthing of QE2

Cape Town Tourism has reacted with caution to the news that Dubai World Constituency’s recently bought cruise ship, the QE2, is destined for Cape Town, where the developers have earmarked it for a floating hotel with an 18-month residency over the 2010 FIFA World Cup period.

The national Department of Tourism was requested to give input regarding the berthing application of the QE2 in Cape Town harbour and consulted the local and national tourism industry on the matter as part of the process. Concerns were raised with regard to the impact on existing accommodation establishments, particularly within the four- and five-star bracket, and the current economic downturn. Further clarity has been requested on the real economic impact and job creation opportunities, however the Department of Tourism has decided not to oppose the application.

The Transnet Board and the National Ports Authority will now make a final determination regarding the viability of the berthing of the QE2 in Cape Town.

CEO of Cape Town Tourism, Mariette du Toit-Helmbold comments: “Although Cape Town Tourism welcomes new tourism ventures, we are mindful of the need to be responsible and sustainable in the planning of a tourism landscape that is fair to all the market players. Further clarity on the real impact and benefits to Cape Town’s tourism sector is required. Our 2010 Strategy advocates short- and long-term benefits to local tourism.
This means that preference must go to existing accommodation providers – over temporary establishments.”

Du Toit-Helmbold also pointed out that misconceptions abounded that Cape Town was short of accommodation for the 2010 FIFA World Cup and that this was not sufficient motivation for a floating hotel to be brought to Cape Town for the event. “If shortage of accommodation is the real motivator behind the initiative then cities where there is a genuine shortage of accommodation would be better suited.

“We are not worried about shortages in Cape Town and surrounds and believe that the 2010 FIFA World Cup accommodation requirements will be easily met. Cape Town has an excellent accommodation capacity, but allowance where appropriate has been made for temporary accommodation. However, we do give preference to established and accredited accommodation establishments.”

An August 2008 survey commissioned by the Cape Town City Council, Cape Town Tourism and Cape Town Routes Unlimited revealed that the city would have ample bed capacity for the Soccer World Cup. Accommodation capacity (including accredited and approved temporary accommodation stock) currently stands at 56 000 beds and an estimated total number of 70 000 beds should be on line by June 2010 in the greater Cape Town area.

Furthermore, Cape Town is in close proximity to regions like the Winelands, Overberg and Garden route, which also have good capacity available.

“These assumptions are based on the total number of MATCH (FIFA’s accommodation and ticketing partner) contracted accommodation establishments, which for the most part fall within the hotel sector.

While we are working hand in hand with MATCH and FIFA to encourage as many establishments as possible to contract with MATCH, we understand too that the decision to sign up with MATCH is a business decision that each individual tourism business must make, weighing up their unique situation, requirements and suitability. Many accommodation establishments either do not fit the MATCH profile or do not wish to sell their accommodation through MATCH due to business reasons of their own.”

Cape Town Tourism, as an industry association, works in close partnership with the host city and FIFA and co-ordinates the 2010 Cape Town Accommodation Programme. This programme looks at accredited and non-accredited accommodation options, linking in with MATCH, but also caters for visitors and members of the industry that prefer to do business independently.

Source: www.tourismupdate.co.za/NewsDetails.aspx?newsId=20261

Soccer World Cup to be massive for South African Tourism

Reports from South Africa say that despite the global recession, the country still expects between 430,000 and 460,000 international visitors to travel to South Africa for the FIFA World Cup™ next year.

South African Minister of Tourism and Environmental Affairs Marthinus van Schalkwyk said, "It is our view, and also the view of the tour operators we have spoken to, that the economic recession will not have an impact on visitors to the 2010 FIFA World Cup," speaking at a briefing at the 2010 FIFA World Cup Organising Committee South Africa's head office, SAFA House.

He added, "We predict that South Africa will also experience a slowdown but as a country we expect to do better than the global average and outperform our competitors."

Five years ago South Africa predicted that visitors to the country would grow to 10 million by 2010 and despite a change in economic climate the country still expects to reach it next year thanks to a focused international marketing campaign and increased air traffic into the country.

Van Schalkwyk said, "In the last couple of years we have seen a substantial increase in tourist numbers coming to South Africa. A total of 9.5 million tourists visited South Africa last year and there is no question that by next year we will reach the 10 million mark”.

The country is also confident that it has the accommodation facilities for the nearly half a million expected visitors to the country, as well as domestic tourists, during the tournament.

He said, "FIFA requires 55,000 graded rooms a night for the FIFA family during the tournament and South Africa has over 100,000 graded rooms in the country and hundreds of thousands of ungraded rooms."

However, many of these rooms are outside of the nine host cities where the tournament will take place, therefore satellite accommodation areas will be created and fans transported in and out of these areas on match days, with added land and air transport facilities made available.

This is apparently not unusual as many fans at the FIFA World Cup in Germany came in from neighbouring European countries on match days.

Van Schalkwyk said, "As we have always said, this is an African World Cup and accommodation in neighbouring countries, such as Swaziland and Botswana, will also be used.”  “We are also putting up luxury tented camps in game reserves around the country".

Sports and Recreation Minister Makhenkesi Stofile, said "South Africa must embrace this wave of positive sentiment and use it to our advantage.”   “There were many doubters before the FIFA Confederations Cup but even those who have since admitted they were sceptical have given us very positive feedback.”

Source: www.etravelblackboard.us/showarticle.asp?CID=44504&id=90329

Tourism agreement to be signed by South Africa and Kenya
Tourism minister Najib Balala

Kenya is expected to enter into a memorandum of understanding with South Africa aimed at building ties on tourism, a cabinet minister has said.

Tourism minister Najib Balala said he expects to receive South African minister Marthinus van Schalkwyk on August 17 in Nairobi for the tourism Mou signing ceremony.

Mr Balala said the MoU would play a major part in helping Kenya participate in South African tourism fairs to woo tourists from Southern Africa region.

He noted that the country stands to benefit immensely from the South African tourism market since it is the Africa's "economic powerhouse".

More than nine million foreigners visited South Africa last year while locally less than a million tourists toured the country.

"Preparations for the signing of the MoU on tourism related matters with South Africa has been finalised. I expect the minister to jet in next month so that we can formalise our relations," Mr Balala said.

"The relations will enable Kenya tap the Southern Africa tourism market to help in our recovery plan. We gear towards getting a good number of tourists from the continent," he added.

He indicated that next year Kenya would participate in the South African tourism fair so as to showcase its eye-catching tourist attraction and packages.

Mr Balala expressed optimism that by the end of the year the sector would be back on its feet following good response from the European tourism market.

He added that efforts to spread wings to new source markets of Russia and Asia were paying dividends as tourists from those regions are set to tour the country in the coming months.

Meanwhile, the minister has once again urged hoteliers to upgrade their tourist facilities to international standards.

Mr Balala said when the hotels standards are updated it would play a part in attracting more holidaymakers.

He added that tourists are sensitive about the quality of the hotels they choose to stay.
Some of the establishments, he added, are indeplorable condition due to lack of renovations.

Source: www.eturbonews.com/10474/tourism-agreement-be-signed-south-africa-and-kenya

Drought puts wildlife in danger in Tanzania

Drought in Tanzania’s northern highlands has reached deadly proportion, killing nearly 100 cattle in Longido and wildlife along the sprawling borderline of Kilimanjaro and Amboseli National parks.

Mass deaths of livestock have occurred in Lerang’wa na Olmolog villages in Longido, while wildlife have happened along the Kitendeni vast wildlife migration corridor straddling between Kilimanjaro and Amboseli National parks in Tanzania and Kenya respectively.

Nearly 20 analyzed samples of livestock carcasses show that the livestock had eaten poisonous “wild amaranth unfit for cattle consumptions,” as drought scorched the entire vegetations, leading to their mass deaths.

“Laboratory test of 20 samples of cattle carcasses confirmed the livestock have died early this month after eating poisonous wild amaranth,” the Northern zone Veterinary Investigation Centre officer in charge, Dr. Emmanuel Swai said.

Dr. Swai said millions of herds of cattle in the northern highland are currently facing the worst drought, after a lull of more than 48 years, scorched northern Tanzania’s thick vegetation and sucked its rivers dry.

Journalists covering the Natural Resources and Tourism Minister, Shamsa Mwangunga tour in Longido, witnessed several livestock and wildlife animals’ carcasses in Olmolog and Irkaswa villages in Longido district and Kitendeni wildlife corridor, apparently died of drought.

Olmolog ward councilor Mathias Mollel told journalists that a total of 80 livestock mysteriously died in Lerang’wa na Olmolog villages within the last two weeks, staggering fear among the livestock keepers.

Commenting, Longido MP Michael Lekule Laizer says the drought in the area has assumed a catastrophic dimension, putting millions of cattle and wildlife at risk of starving.

“The drought has deserted the cattle rich Longido district with most of livestock keepers moved as far as Simanjiro nearly 200km east-south of Longido searching for greener pastures” Laizer said.

Some, he said, went to Ngorongoro district located 300km west-north of Longido for the similar mission, leaving behind families facing the serious hunger.

Laizer said his territory needs nearly 3000 tones of food with immediate effect to rescue the population of 74,074 people from starving.

“The similar drought experienced in Longido way back in 1961, where millions of cattle and wildlife died as a result of phenomenon,” Laizer said.

Other parks in northern Tanzania also have dried up with their wildlife population migrating to human habitats scouting for water and green grass.

Wildlife conservationists in Tanzania and Kenya are worried over the survival of wild animals in the region, and if there will be no rain in the coming months, there could be a great loss of wildlife and a slump in tourism.

In Kenya, the most affected parks are Tsavo East and West in southern part of the country and Amboseli on the western foothills of Mount Kilimanjaro.

Source: www.eturbonews.com/10540/drought-puts-wildlife-danger-tanzania

SANParks rangers arrest illegal divers

South African National Parks’ marine rangers from the Addo Elephant National Park arrested five illegal divers for diving and fishing illegally in the Bird Island Marine Protected Area.

Six more divers, who escaped from the rubber duck and took refuge on Stag Island, were arrested for trespassing in the national park.

The South African Police Service took the divers to the Kinkelbos Police Station to be charged. SANParks confiscated the rubber duck vessel and all diving equipment used by the suspects during the illegal operation.

The Bird Island group in Algoa Bay is part of the Addo Elephant National Park and home to the largest breeding population of Cape gannets in the world, an African penguin colony and a breeding colony of Cape fur seals.

Source: www.tourismupdate.co.za/NewsDetails.aspx?newsId=20301