Top tips for insuring a happy holiday

The holidays are upon us. If you’re going away, it’s a good idea to make sure that you have sufficient insurance cover for your vehicle and home beforehand. This way you can enjoy your well-deserved break without any nasty surprises.

Things to keep in mind before going on holiday:

  • Check that your alarm system is in working order
    It’s a good idea to check that your alarm, panic buttons, motion sensors or electric fence etc., are working properly before going on holiday. These should also be tested with your security provider about a week or two beforehand. Also leave an emergency contact number with your security company.
  • Position your CCTV cameras well
    You must make sure your CCTV cameras are working and are positioned in such a way that they give a clear view of what is happening both inside and outside your property.
  • Make sure your electric fence is working properly
    Check that your electric fence is in good working order. You should cut back any plants or trees that may interfere with the fence’s efficient functioning.
  • Make sure that all doors and windows are securely locked
    If your home is not secure, everything you own becomes vulnerable.
  • Don’t leave a spare key out
    To reduce risk, don’t leave a key under the flower pot or door mat or any other public place that anyone could access. Rather leave it with a trustworthy neighbour or family member.
  • Safely store away specific valuables
    Place any particular valuable items in a locked safe. If you want to, you can even keep specific valuables in an alternative location for safekeeping while your home is unoccupied.
  • Unplug appliances
    While you are away, there may be a power surge in your area. To avoid such accidental damage, unplug items such as televisions, kettles, coffee makers, and sound systems.
  • Minimise tell-tale signs that you are away
    Arrange with a friend/neighbour to check your property and collect your post rom the mailbox, so as to minimise any obvious signs that your home is unoccupied. Don’t close your curtains and consider using a time-switch to turn your lights on at random times in the evening.
  • Social or not
    Never put your travel plans on Facebook, Instagram, Twitter or other social media platforms.

If you are going away for an extended period of time, leaving your home unoccupied for more than 60 consecutive days, we recommend that you advise your insurer. For general home insurance purposes, a home that is left unoccupied for such extended periods of time is considered a higher risk.

Taking a road trip?

If your vehicle is your mode of transport during your holiday, it’s important to cross-check your insurance plan and make sure that your car and tyres are in ideal condition for your trip.

Travelling to one of SA’s neighbouring countries?

If your holiday plans involve driving across the border, we’d advise you to get in touch with us to check what is covered by your plan.

If you’re driving outside of South Africa, remember where the territorial limits apply to ensure you have cover. Other than in the Republic of South Africa, you will have cover in Angola, Botswana, the Democratic Republic of the Congo, Kenya, Lesotho, Malawi, Mozambique, Namibia, Rwanda, Swaziland, Tanzania, Zambia and Zimbabwe. If your vehicle is damaged outside the Republic of South Africa, repairs other than emergency repairs may only be carried out in the Republic of South Africa.

It’s a good idea to double check all paperwork necessary for when you reach a border post well ahead of your trip too. Safe travels!

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