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Hollard Group is a privately owned insurance group based in South Africa that operates under two insurance licences: short term and life.The company was established in 1980 by Robert Enthoven, and the Enthoven family retains the majority share, locally through The Enthoven Family Trust (EFT) and internationally through Capricorn Ventures International (CVI).
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Under the Real Insurance brand, Hollard issues and/or distributes bike, car, funeral, home and contents, life, pet, and travel insurance. [ 1 ] In 2008, Real Insurance was the first insurance company to offer pay-as-you-drive (PAYD) insurance in Australia, whereby the car insurance premium is reduced for drivers with low kilometres usage. [ 3 ]
The life zone concept was developed by C. Hart Merriam in 1889 as a means of describing areas with similar plant and animal communities. Merriam observed that the changes in these communities with an increase in latitude at a constant elevation are similar to the changes seen with an increase in elevation at a constant latitude.