They’ve gone viral: clips of dolphins frolicking in the waters off Italy “now that the cruise ships have gone”, drunken elephants sleeping after a corn wine binge in China.

On Thursday 16 April, the Minister of Cooperative Governance and Traditional Affairs (CoGTA), Dr Nkosazana Dlamini-Zuma, announced revised regulations for South Africa’s lockdown.

We have added a new section to the COVID-19 portal on our website, summarising the most frequently asked questions we have received.

The simplest way of reducing your premium during this time is to restructure cover to cater for any reduction in risk. To assist our clients, we have waived some of our usual underwriting rules to allow policies to be restructured, even if this results in the following: Premiums below our minimum premium levels, Motor-only cover and Liability-only cover.

Times like these are tough for everyone. Uncertainty abounds and markets show very high levels of volatility. In addition to this, South African investors, in particular, have had a tough period these last couple of years with risky assets not outperforming cash.