Online insurance and financial services website, Hippo.co.za, has won the 2017 Feefo Trusted Service award, an independent seal of excellence that recognises businesses for delivering exceptional experiences, rated by real customers.  

Trusted Service is awarded to businesses that use Feefo to collect genuine ratings and reviews. A badge of honour, this accreditation remains unique as all the awards are based purely on the interactions with verified customers. This feedback has been collated by the Feefo review platform, with the accolades being awarded based upon performance.  

In order to win the 2017 award, a company had to maintain a rating of between 4 – 4.5 stars with a minimum of 100 reviews or more between 1 January 2016 and 31 December 2016. Hippo.co.za maintained a score of 4.4 and received more than 3 000 reviews in the above-mentioned period.  

“Feefo ensures that all feedback is authentic, by matching it to a legitimate transaction; we believe this is the best way to combat the rising issue of fake reviews,” says Andrew Mabbutt, CEO at Feefo.  

Derek Wilson, head of Hippo.co.za commented: “It’s a real honour to receive this award from Feefo. To be recognised for delivering exceptional experiences to our customers is a great achievement.”

Consumers will soon be able to opt-out of unwanted SMS communication from insurance companies thanks to a draft replacement of the Policyholder Protection Rules (PPRs) by the Financial Services Board (FSB).

Speaking in a recent interview, Lezanne Botha, a senior specialist for the Insurance Regulatory Framework department at the FSB said: “There is existing consumer-protection legislation in place in the form of the Consumer Protection Act. But it's important to bear in mind that the Consumer Protection Act does not apply to insurers.  

“It can be said that financial services industries should be held to a higher standard of consumer protection than other industries, because of the risks and the failures in that these products can actually impose considerable hardships for consumers.”  

When the new regulations come into effect, estimated to be June 2017, the South African insurance industry will be in-line with international standards. “This is fantastic news for consumers,” remarks SMSPortal MD, Charles Stretch. “The CPA protects consumers against unwanted SMS, currently there isn’t anything to stop insurance companies sending unwanted direct marketing.”  

The draft states:  

13.10 Unwanted direct marketing

13.10.1 An insurer or any person acting on its behalf must afford a policyholder to whom it markets a policy through a mobile phone voice or text message the right to demand during or within a reasonable time after the message that the insurer or person acting on its behalf desist from initiating any such further messages or any other communication.  

13.10.2 An insurer or any person acting on its behalf may not charge a policyholder a fee or allow a mobile phone service provider to charge a policyholder any fee for making a demand in terms of 13.10.1.  

Upon implementation, all insurers will need to send SMS communication from a reverse billed number. “This means when consumers reply STOP to an unwanted SMS the sender of the initial SMS, in this case the insurance company, is charged for the SMS, not the consumer,” advises Stretch.  

Botha in her interview also said: “Until the effective date if a policyholder gets these calls or SMSs they have to be afforded – by the insurer or the person contacting them on behalf of the insurer – the right to opt out. So, if you received a mobile phone voice message or a text message, the insurer has to afford you the right to demand, during or within a reasonable time after receiving such a message, that they must desist from any further marketing messages. They may also not charge you for making use of that right.”    

It’s easy for Pay-As-You-Go mobile subscribers and those without itemised billing to be unaware of the charge being applied to their account. Until the PPR are in place, consumers might see a charge on their bill to opt-out of unwanted insurer communication, but post implementation consumers shouldn’t see a charge. “If you have been wrongfully charged,” adds Stretch, “or would like to seek advice, consumers should speak to WASPA, the Wireless Application Service Providers Association.”  

You can listen to the full interview with Lezanne Botha here: http://today.moneyweb.co.za/article?id=644423#.WJsldBhh18f

Business Insurance: Grudge purchase or mandatory cost?  

In 2016, South Africa experienced deteriorating GDP growth caused by various factors including the Rand’s depreciation of R15.51 against the Dollar, severe drought, water shortages, and the rising unemployment rate. GDP growth is however expected to improve moderately in 2017. Businesses, particularly start-ups and SMEs, can expect better growth and opportunity than in 2016.  

“Now more than ever small businesses need to safeguard themselves against the perils that could be harmful to their growing business,” says Derek Wilson, Head of online insurance and financial services comparison website, Hippo.co.za.   Business Insurance is more than just protecting your business assets. Not having insurance could result in a negative impact to your bottom line, damage to your business’s reputation or even the loss of your business.

Here’s what you need to know about Business Insurance:  

Insure your nett worth   If you have business property such as commercial offices, a house or any vehicles used for business or commercial purposes, you have nett worth. Ensure that your nett worth is adequately covered and that you do not put your business under unnecessary strain by having to pay for loss or damage to business assets yourself. Insurance for business assets usually includes cover for theft, accidental damage, fire, vandalism and, most importantly, cover for business interruption or loss of earnings if you are unable to operate following a claimable event.  

Your risk profile   Understand how your business risk profile is calculated by the insurer as things such as your credit rating, type of business, area where you do business from, and where your business or commercial assets are kept, are taken into account.  

You are liable   Liability cover is probably the most important cover you need. The loss or damage to another’s property or worse, injury or loss of life to a person, could not only cost you money, but also have devastating effects on your business’s reputation and credibility. The reputational damage could result in further communication and marketing costs to repair the damage to your business’s image and could determine whether your business survives the impact or not.  

“Various insurers are able to provide you with Business Insurance according to your specific needs”, concludes Wilson, “Business owners can research costs and benefits from a range of different insurers at Hippo.co.za”.  

Ends.  

Established in 2007, Hippo.co.za is South Africa’s leading comparison website that helps consumers save money by comparing a range of South African providers across financial products such as Car Insurance, Household Insurance, Life Insurance, Medical Aid and more. Hippo.co.za is free to use and saves consumers the time and hassle of shopping around for the best deal since the Hippo.co.za website instantly retrieves real-time quotes from the different providers using the latest Internet technology. You could save hundreds of Rands per month* on your Car Insurance alone by using Hippo.co.za to compare before you buy or switch to a new provider.   Hippo.co.za makes money by simply charging its partners a fee when a customer chooses to find out more about their products. The results consumers see, and the order in which they are presented, are in no way influenced by the fee Hippo.co.za charges its partners or any other factors other than the price of the product being compared.   

For more information, visit us on www.hippo.co.za, connect with Hippo.co.za on LinkedIn, http://www.linkedin.com/company/hippo-comparative-services-pty-ltd/, like us on Facebook, www.facebook.com/HippoSA, and follow us on Twitter, @Hippo_co_za and YouTube, http://www.youtube.com/user/hippocompare.   Hippo Comparative Services (Pty) Ltd is an authorised financial services provider (FSP number: 16357). Terms and Conditions apply. *Based on 2016 independent market research conducted by Kaufman Levin Associates.  

Sources:

SME South Africa
National Treasury (South Africa)
Black Enterprise
Forbes 

Issued by:
Sharney Nel PR Manager
Tel: +27 11 428 1004
Cell: +27 78 180 9674
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Econorisk and Watershed have teamed up once again, this time to raise money for the Breatheasy Tracheostomy and Ventilation Homecare Programme and the Red Cross War Memorial Children’s Hospital.  

On 24 November at 19h00 South African music sensation, Watershed, will take to the stage at the Rockwell Hotel theatre to perform for this life-changing charitable initiative made possible by Econorisk, a leading short-term insurance brokerage.  

Developed by Sister Jane Booth, the Breatheasy Programme provides parents of children reliant on tracheostomy or artificial ventilation for breathing, with the tools and skills needed to enable their children to enjoy life at home, surrounded by their families, rather than in hospital.  

Steven Hall, who brought the Breatheasy Programme to the attention of Brett Schultz, Director at Econorisk, explains how the event came about: "As a way of saying thank you for the care my mother received in hospital before she passed away, I wanted to find a cause which I could support - paying it forward, by raising awareness for an organisation helping the community and those in need. That is when I came across the Breatheasy Programme for children in South Africa whose lives are affected by breathing complications.  

"I decided to take part in half and full ironman events to create an even greater awareness of the Breatheasy Programme and their challenges and to raise funding for them. When I approached Brett he was immediately on board.  He shares a passion for sport, and wanting to make a difference for those in need. Econorisk sponsored my entry fees for the 70.3 season, but Brett also wanted to get other companies involved. His vision was to create an event in which we could platform the Breatheasy Programme to create more awareness, as well as establish additional fundraising opportunities. That is how the concert with Watershed came about."  

Not only is the Breatheasy Programme supporting the community and changing lives, but it is also a good fit with Econorisk’s brand values, as Brett explains:   

“At Econorisk, we pride ourselves on providing holistic insurance solutions to clients, giving them peace of mind and the reassurance that they are covered in case of any unwelcome future events ... thereby helping them breathe a little easier. I therefore knew immediately that the Breatheasy Programme was the right initiative for Econorisk to back.  

“I have known Craig Hinds for many years and, having worked with Watershed on a previous Econorisk fundraiser event in 2014 in support of up and coming South African Paralympic hopeful, Nicole Sanders, I approached him with the idea of another concert, which he wholeheartedly supported. And so the planning began.”  

The Breatheasy with Econorisk fundraiser concert with Watershed takes place on 24 November 2016 at 18.30 for 19h00 at the Rockwell Hotel theatre in Greenpoint, Cape Town. Proceeds raised will be used to purchase vital medical equipment such as ventilators, suction machines and humidifiers for the Programme that has been caring for children with a wide range of respiratory disorders for over two decades.    

“I believe that many South Africans have the desire to make a positive difference in others lives, but don’t always know how to,” says Steven. “Through this platform, we are giving people the opportunity to make this difference – and to have a good time whilst doing so.”  

Brett concludes: “Whilst it may come naturally to many of us, for some the simple act of breathing is sadly difficult or even impossible. Econorisk is incredibly proud to support the Breatheasy Programme and we invite companies and individuals to enjoy the sounds of Watershed for this life-changing cause.”  

Visit the QUICKET ticket line: http://qkt.io/econorisk-breatheasy to book your tickets for the Breatheasy with Econorisk concert with Watershed, 24 November 2016, 18.30 for 19h00, the Rockwell Hotel theatre, De Waterkant Village, Greenpoint, Cape Town. Tickets cost R650 per person, inclusive of a three course meal. Cash bar available. Alcohol will not be served to persons under the age of 18. Proof of age may be required. Tickets are limited so don't delay.    

Join us on Twitter: https://twitter.com/ec_breatheasy 

Like and share on Facebook: https://www.facebook.com/ecbreatheasy/ 

- Ends -  

Press enquiries contact:  

Georgina Swain:
Email:   This email address is being protected from spambots. You need JavaScript enabled to view it. 
Mobile: 076 349 4065   

Images available upon request.  

About the sponsor:  

Econorisk

Econorisk is a leading independent insurance broking business focusing on commercial and corporate insurance and providing speciality and niche insurance and risk management solutions to companies. The company has also developed expertise in domestic insurance especially to high net-worth individuals. For more information, visit www.econorisk.co.za  

Event supported by:  

Watershed Watershed is one of the most popular music exports our Rainbow Nation has to offer. For more information, visit www.watershed.co.za  

Striped Horse Craft beer. For more information, visit www.stripedhorse.co.za    

Jetline Jetline is a cutting edge on-demand printing company providing advanced print and design solutions. With branches nationwide, Jetline serves the general public, small, medium and large businesses and government institutions. The vast range of products and services offered include: graphic design, full colour and black & white printing, corporate stationery, document duplication and binding (large quantities), PhotoBooks, banners and signs, posters, vinyl and contravision, vehicle branding, website design and much, much more! For further information, visit: www.jetline.co.za  

The Rockwell The Rockwell is a 4 star hotel in Cape Town, situated in the trendy De Waterkant Village in Greenpoint, near the V&A Waterfront. For more information, visit: www.rockwellhotel.co.za  

Flagstone Flagstone is a small but frequently awarded winery with a selection of wines built around winemaker Bruce Jack's philosophy of hand-crafted wine-making. For more information, visit: www.flagstonewines.com  

Tangent Marketing Marketing and event management. For more information, contact: Julia Ledingham +27 (82) 8876376   

Funeral insurance is the most prevalent form of insurance in South Africa with just less than 90% of all risk cover being attributed to this form of insurance, more than a quarter of which is informal.  

And this is reflected in the 4.2 million policies RubiBlue’s EasiPol product has running through its policy management software and the R3.7 billion in payments it collects annually. “We currently work with 550 funeral policy providers, and are signing between 20 and 30 new funeral parlours onto our product monthly,” remarks RubiBlue MD, Chris Ogden. 

The South African funeral assistance business became a target of debate in 2003 following the South African Parliamentary Committee on Finance (PCOF) where evidence of abusive practices in the funeral insurance market in South Africa was presented. And where RubiBlue spotted a gap in the market and created EasiPol to collect policy payments. 

The collection of policy payments in rural locations was previously fraught with fraud, ‘lost’ payments and often policy holders not being covered due to arrears. This is mainly due to instalments made in cash because it is estimated that 67% of the adult population in South Africa are unbanked, with 37% living in rural areas. “There were also reports from funeral service operators of inaccurate reporting, and many consumers complained about poor customer service during emotional times,” adds Ogden. “EasiPol is a tool to prevent this.” 

Growth propulsion

On the rapid growth and uptake of the service, RubiBlue puts it down to not only organic client growth, higher retention ratios and funeral service providers realising that EasiPol allows them to enter rural markets which have previously been inaccessible for their products. 

Improving citizen well-being

Giving the unbanked access to formal financial services such as insurance policies has its benefits to individuals: improved well-being, financial responsibilities taken care of, and a personal sense of worth for the heads of the home. “Policies are more likely to be taken out by the female head of house, and the policy holder will ensure their policy is paid over purchasing food,” adds Ogden. “They know that falling in arrears will mean the policy won’t payout for six months after being back in the black.” 

About EasiPol

EasiPol was designed by software consultancy RubiBlue for the secure and simple collection of cash payments. It is the only fully customisable, web-based administrator package of its kind for administrators and insurance underwriters. Sales and collections in the field are made using a remote terminal for payments, data look-ups and receipting for transparent and accurate reporting. By being in the field with reliable devices, software and data access, organisations using EasiPol have seen an increase in collections and reported better client satisfaction. EasiPol provides a complete multi-platform policy administration/payment solution, ensuring a secure, centralised, backed up data store, which prevents fraud and theft; ensuring administrator and client peace of mind.  

We are living in times whereby buying as opposed to leasing or renting is seen as a form of investment, the level of achievement, self-worth and so forth. When you are ready to acquire a certain asset, you automatically think along the lines of purchasing it via financing or cash. For some people, it might make better financial sense to lease or rent out assets more especially, if you take the weakening Rand and inflation rates into consideration. Do you fall under this category? Do you believe in the comfort of buying and ultimately owning your assets? If you have not given this much thought. Let’s explore which option/s would best suit your pocket, needs and lifestyle say you had to get a car today.

What personal vehicle financing options do we have at present in the country? What are their benefits and disadvantages? Let’s discuss...

1. Installment Sale

When you are able to purchase a vehicle and pay for it over an agreed period. At the end of the credit agreement and final installment, ownership is automatically passed to you and you can also choose to trade in the vehicle.

BENEFIT - If you own a car you do not have economic penalties or mileage restrictions like when you lease or rent a vehicle.

DOWNSIDE - Service or motor plans and insurance costs are your sole responsibility even before you become the official owner.  

2. Lease

When you are able to have uninterrupted use of a vehicle without owning it. However, you have the choice of owning the vehicle by settling/refinancing the guaranteed future value or returning it to the financial institution at the end of the agreement period.   

BENEFIT - You can drive a brand new car every 2 to 4 years and enjoy new model advancements like more safety, petrol efficiency and vehicle performance as a whole.    

DOWNSIDE - You will be obligated to pay balloon payments at the end of the agreement period. You have an annual mileage limit and if you exceed it the charge per kilometre will vary according to the vehicle purchased.  

3. Rental

When you able to have uninterrupted use of a vehicle without the option of ever owning it. You basically pay for the use of the vehicle.  

BENEFIT - You have more repayment options such as annual or quarterly repayment plans. You can also negotiate a residual value to reduce monthly payments.  

DOWNSIDE - You need to return the vehicle in good condition and within the agreed mileage restrictions and parameters. You will be liable to pay for restoration costs except for fair wear and tear.

If you have a bad credit rating or are blacklisted you can “rent to own” a car for a predefined period of time while driving around in it and paying a monthly rental fee. If you want to terminate your agreement, you need to simply return the vehicle to get your deposit back. If we are still undecided about getting a car why not look into investing your hard earned cash instead?

In an effort to shed light on the most common household emergencies, MiWay has released their latest eBook entitled ‘Household Emergencies Handbook’. The guide offers advice on how best to deal with some of the most common household emergencies. 

Johannesburg, South Africa – MiWay Insurance has released their latest eBook entitled ‘Household Emergencies Handbook’. The aim of the new eBook is to provide customers with a thorough guide on how to deal with common household emergencies – from ant infestations to destructive thunder storms.

When it comes to solving common household emergencies, many of us are left stranded without a clue as to how to find a solution. Whether we’re grappling with how to alert our insurance provider about the event or wondering who to call to assist us, emergencies can leave us at a loss for words and direction. Designed to assist homeowners in dealing with emergencies, the latest eBook from MiWay is user-friendly, information-rich, and can be accessed through MiWay’s website.

With additional content on how to reach South African emergency services and a detailed approach on how to deal with minor injuries, MiWay’s latest eBook offers users the assistance that they’ve been searching for. If you wish to access the eBook, be sure to visit this address https://www.miway.co.za/blog/your-home/download-the-miway-household-emergencies-handbook-today and save the address on your browser. Alternatively, if you are looking to invest in home insurance, be sure to contact MiWay for a no-obligation quote and ensure that your household items are covered in the event of an emergency.

Econorisk is fast becoming one of South Africa’s leading independent short term insurance brokerages, with a national footprint and a passion for personal service and individual advice being key to its success. One of the people behind the business is none other than former South African bowler, Brett Schultz.  

Brett, your cricket career was brought to an abrupt end through injury. Describe the transition from sport to business?  

“I became involved in the financial services industry while playing cricket, as I wanted to diversify my interests as well as have something to fall back on after my playing days were over. This proved to be the right decision and the exposure was good business grounding for me. I quickly learnt that a successful business is all about excellence in service delivery through the right product and relevant pricing. When my cricket career was over, I returned to the financial services industry, joining Econorisk in 2003.”  

The business is going from strength to strength. To what do you attribute Econorisk’s success?  

“You need to be passionate about what you do, as it is infectious and it affects the people around you. Whether it’s your team mates, colleagues or clients, your attitude has an enormous impact on the overall outcome. In cricket, we expect to be judged on the results we deliver; the same goes for business. At Econorisk we understand that having a passion for producing results is essential.   We’re committed to delivering an all-round service, getting to know our clients and their individual short-term insurance needs, and being in the best position to provide them with the right solutions to alleviate risk.”  

Econorisk believes in doing business the traditional way with relationships and personal service…  

“Rob Sylvester founded the business together with Econometrix in 2001 with a mission to provide what clients wanted, but were not getting – a professional, personal service. It is this philosophy that drives our business. We believe in conducting business the traditional way, with relationships and personal service at the top of our priority list. By getting to know our clients, we are able to provide informed advice and the most suitable products tailored to their individual needs. This, coupled with our strong industry relationships with almost all Insurers and Underwriting Managers, enables us to deliver a comprehensive service which continually looks after our clients’ ever-changing risk profiles.”  

You have a wealth of experienced specialists at Econorisk, with some recent key appointments and substantial investment in the business. Tell us more about this?  

“Since its inception, the business has grown as a brand with a core staff compliment of insurance specialists. In 2011 Cyan Capital invested into Econorisk which provided the capacity to bring in industry leader Guy Scott as CEO and operations specialist John Rivers-Moore as COO. These key appointments have in turn attracted highly skilled employees to fill critical positions. In addition to moving into a new head office in Rivonia in Johannesburg, Econorisk has also in the past year opened offices in Umhlanga Ridge, Durban and Woodstock, Cape Town. Econorisk now has the platform for extensive growth through both employment and acquisition of the required expertise to be able to become a market leader.”  

You’ve not forgotten your sporting roots. Econorisk is actively involved in supporting a number of charitable organisations, including dressage competitor and Paralympic hopeful, Nicole Sanders….  

“With limited access to training and insufficient funds, Nicole was running out of time to make her dream of competing in the 2016 Paralympic Games come true. The commitment and dedication that Nicole has shown is remarkable, even when all the odds seemed stacked against her. This sort of passion and drive is in keeping with our own ethos, so we set about raising funds for Nicole to help keep her Paralympic dream alive. We are extremely proud of Nicole and her determination.”  

There are many comparisons drawn between business and sport. As a professional sportsman turned businessman, where do you see these similarities?  

“In business, as with sport, it is essential to keep an ear to the ground and an eye on your competitors, assessing their strengths and weaknesses, then working as a team to achieve a better result for your clients and your stakeholders. This, coupled with a passion to be your best, will help keep you ahead of the game.”  

Tel: 0861 ECRISK (327475)

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
www.econorisk.co.za
Twitter @_econorisk
LinkedIn - econorisk-pty-ltd

FinMark Trust together with the Bank of Lao PDR, and the National Statistics Bureau (NSB) of Lao have signed a memorandum of understanding (MOU) on 6 November 2014 for the FinScope Consumer Lao 2014 survey. The FinScope Consumer survey, the first of its kind in Lao, which is a nationally representative study on how individuals source their income and how they manage their financial lives will commence in November 2014 and is due for completion in January 2015.  The survey is a priority in “Making Access Possible (MAP)” and part of the “Making Access to Finance more Inclusive for Poor People (MAFIPP)” programme.   The survey sample entails 255 villages representing rural and urban communities with eight families in each village to be interviewed. The survey will focus on information related to agriculture, income and expenses for rural people, savings, investment in the family business, household construction, loans, money transfers, infrastructure and ICT access.   This survey on financial services accessibility in the country, intends to address the shortage of available information on the demand for financial services among the poor households.. The NSB views the survey as contributing to the review and implementation of the Seventh National Socio- Economic Development Plan as well as planning for the next five years in Lao.

FinScope

FinScope was launched in 2002 by FinMark Trust (www.finmark.org.za).  Its purpose is to establish credible benchmarks on the use of, and access to, financial services in South Africa.  It is designed to highlight opportunities for innovation in products and delivery. The FinScope survey is a comprehensive and national representative study on financial inclusion, looking at how people source their income and manage their financial lives. It has been implemented in 19 countries (11 in SADC, 5 non-SADC Africa and 3 in Asia). The FinScope survey is currently being implemented in 3 more countries in Asia and 4 in the SADC region (1 first cycle and 3 repeat surveys).  

Editorial contact:
FinMark Trust  Nitha Ramnath (Ms) Communication Manager

Tel:  011 315-9197 / 0829214769 Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.  

About FinMark Trust

FinMark Trust, an independent trust based in Johannesburg, South Africa, was established in 2002, and is funded primarily by UKaid from the Department for International Development (DFID) through its Southern Africa office.  FinMark Trust’s purpose is ‘Making financial markets work for the poor, by promoting financial inclusion and regional financial integration’. FinMark Trust does this by conducting research to identify the systemic constraints that prevent financial markets from reaching out to these consumers and by advocating for change on the basis of research findings. Please visit www.finmark.org.za for more information.

FOR IMMEDIATE RELEASE --- 17/09/2014

Verifying the identity of an individual has never been easier with the new real time ID verification with photograph checks from V-Report.

No matter if you are opening accounts within the retail or banking sectors or assisting the job market in finding alternative employment, this verification can reduce your risk as well as the occurrence of potential fraud. Have you ever wondered how many times you have had a fraudulent identity document in front of you, but been none the wiser. Now V-Report can take care of the guesswork for you.

When using our new ID verification with photograph checks, you will receive real time confirmation to your inbox confirming the validity of an individual's personal information as well as the photograph on file associated with that individual at the South African Home Affairs Department. V-Report has two ID Verification with photograph checks on offer, the first option will verify the name and surname to the identity number provided and supply the associated photograph. The second option has more demographical information supplied, such as age, gender, citizenship and death status with the associated photograph being supplied.

Shane Meintjes, MD of V-Report said "V-Report has been on a drive to supply and source quality services and checks for our clients to help reduce fraud and the risks involved, we believe that our new real time ID verification checks are a big step in the right direction."

Once again, trying to assist clients as speedily as possible in making decisions, V-Report will soon be bringing the big four credit bureau's Transunion, Experian, Xpert Decision Systems (XDS) and Compuscan with real time credit checks to your inbox. Another positive step in the right direction we believe.

V-Report for your perusal can be found at www.v-report.co.za, 

We can be contact on (011) - 432-4416 or at This email address is being protected from spambots. You need JavaScript enabled to view it. anytime.