Every January, we promise ourselves the world: we’ll drink more water, spend less money, stretch more, stress less, sleep better, start fresh and stay consistent. Somehow, by the third week of January, life has other plans.

But there’s one small New Year habit that doesn’t require gym shoes, green juice or a personality transplant, and it can genuinely strengthen your financial year: giving your insurance a 2020Fix.

And if we’re being real, your insurance notice is probably the most overlooked piece of that clarity puzzle. People skim it the way they skim terms and conditions until…something goes wrong. And with more than 35 855 insurance complaints filed last year (yes, really), it’s safe to say many South Africans aren’t getting the clarity they deserve.

So, this year, instead of treating your insurance like that cupboard you keep meaning to organise, here’s how to give it a quick, powerful 2020Fix with these tips from Michele Jennings, glu Chief Executive

1. If your life changed, your cover should too

Moved home? Added a family member or a child now deemed to be an adult? Changed your daily routine? Your policy shouldn’t be stuck in a past version of your life. A quick check now closes gaps you didn’t even realise were there.

2. Understand the change, don’t fear it

Premium adjustments aren’t a judgement on your life choices. They’re influenced by what’s happening in the economy, your specific contractual agreements, claims trends, repairs, replacement costs, the world is pricey. A 2020Fix mindset says: “Let me understand the reason before I react to the numbers.”

3. Don’t shop for the cheapest deal; shop for the smartest one

It’s January. Budgets are tight. We get it. But cheaper cover that costs more in the later years or leaves you stranded on a bad day? Not a win. A good 2020Fix compares protection, not just price, including the parts of your policy that give back long-term value, not just take debit orders. Models like glu’s ProfitBack™ for example flip that script by sharing a portion of profits with members, whether they claim or not for example. Insurance doesn’t have to feel one-sided.

4. Read the exclusions properly, so you don’t have to panic later

Exclusions aren’t fun, but they matter. Last year, around 40% of disputes were motor-related, many tied to misunderstandings. A 2020Fix means spending three minutes now to save three months of frustration later.

5. Ask the questions you meant to ask last year

If you’re paying for something, you’re allowed to understand it. A 2020Fix is your permission slip to ask anything, however small, and get answers that actually make sense to you.

“We want people to make choices that feel intentional,” says Michele. “And 2020Fix is about slowing down, gaining clarity and making sure your cover genuinely supports your life. It’s not about panic or pressure, it’s about empowerment.”

2020Fix doesn’t require resolutions, colour-coded spreadsheets or dramatic lifestyle changes. It asks for one thing: clarity. Start your year with it, and 2026 already looks a lot more resilient.

Start simple. Start clear. Start with a 2020Fix.

• About glu:
  
  glu is a division of PPS Group, dedicated to transforming the financial services experience for South Africans. With a focus on mutual benefit, trust, and growth, glu aims to be a trusted partner for individuals navigating their financial journeys. By providing innovative digital solutions and fostering authentic connections, glu empowers its members to achieve financial wellness and build the lives they desire.

• About PPS Group:
  
  PPS Group is a leading financial services provider dedicated to offering innovative and mutually beneficial solutions to our members. Our commitment to excellence and authentic connections drives us to be a trusted partner in the financial journey of our members.