Gifts and donations are largely interchangeable terms but the context is different. That’s the word from David Thomson, Senior Legal Adviser at Sanlam Personal Finance. Gifting means the giving of a genuine gift, for example, a ‘present’, that fits within your means and lifestyle and usually marks a celebration or special occasion.

There is a quick and easy way to report insurance fraud if it involves Safire clients: Click here to visit the Report Fraud page on our website. However, what do you do if the fraud isn’t a Safire matter? You tell the Insurance Crime Bureau www.saicb.co.za, a non-profit company dedicated to fighting organised insurance crimes and fraud.

Criminals constantly update their scams as their target audience becomes aware of their methods. The fastest-growing fraud tactic is vishing, a term coined by combining "voice" and "phishing", which sees fraudsters using voice instead of phishing (when potential targets are contacted via email, telephone or text message).