It’s been a rough year, and all you want to do is escape to the bushveld or beach and relax with your family. But before you hook the caravan, manage your risk insurance so that you can go on holiday risk-free, this Festive Season!

People tend to forget about the insurance risks over the festive season and don’t spend enough time to think about how to reduce these risks.

Here are a few tips to help you prepare for the festive season holiday.

Reduce the risk on your home

If you are planning a trip away from home this holiday, it is important to take extra precautions to protect your home and belongings inside.

  • Let your security company and insurer know exactly how long you’ll be away and what security precautions you have installed or set up.
  • Supply your security company with a trusted friend or family members number; someone they can call to check in on the house in case your alarm goes off.
  • Ask a reliable, trusted friend to regularly go to your house and bring in newspapers, take out the trash, turn lights on and off at appropriate hours etc. (To give the impression that someone is home).
  • Do NOT close all your curtains and leave the lights on when you leave, this looks very obvious to anyone who could’ve been watching your street.
  • Don’t tell everyone you’ll be away. Avoid posting on your social media handles about your holiday and especially the exact dates you’ll be gone. Rather keep that information for your close friend group.
  • When packing your car, if possible, rather do it in your garage behind closed doors.
  • If you’re organizing a house sitter, make sure you’ve agreed on their responsibilities and have it in writing. This is a good insurance risk precaution to take.
  • Don’t forget to lock away your valuables so that it’s not easily visible through windows or over fences.

Your belongings

You want to relax at the beach and not have to worry about your laptop or television being stolen back home.

  • Review your insurance policy and what’s covered.
  • If you’re getting a new expensive appliance or gadget over the holidays, speak with your broker about how to include it in your policy.
  • Better safe than sorry. If you can, lock away your valuables. For things such as laptops that you won’t be taking with you, ask a reliable friend to keep it safe while you’re away.

Your car

During the holiday season, the roads are extremely busy.  Be aware of the risks involved and how your insurance claim could be affected.

  • Make sure your vehicle has been thoroughly checked, serviced and is safe for the road.
  • Do NOT overload your vehicle or do anything that could hinder the control you have while driving.
  • Do NOT drive under the influence. Same goes for if you are getting tired, rather take a break to rest or take turns with someone else who can drive.
  • Make sure the person you take turns driving with is included in your policy.
  • If you’re crossing into another country, make sure you have a confirmation letter from your insurer that states you are covered for cross-border travel.

 

Go on holiday risk-free this festive season by managing your risk insurance.  Always be safe, rather than sorry.

We provide peace of mind.

 

Sources

QualityQuote. (2020, Jan 13). Reducing your insurance risks over the festive season.  Retrieved from https://bit.ly/3gDHQBg