Important holiday advice that might have slipped your mind
As the festive season draws near, South Africans are getting ready for holidays, family gatherings, and year-end celebrations.
In light of this, Karen Rimmer, Head of Distribution at PSG Insure, emphasises the importance of not neglecting one crucial aspect of year-end preparation: reviewing and updating short-term insurance policies to ensure that all valuable assets are adequately protected.
“At this time of year, when people often leave their homes and apartments unattended, it’s important that your insurance policies reflect the current value of your possessions and that your security measures are in place and properly utilised,” said Rimmer.
“A proactive approach to short-term insurance can make a significant difference when it comes to effectively protecting your property and your business,” she added.
Avoid common insurance pitfalls
Rimmer explained that one of the most common mistakes people make is failing to update their insurance policies when circumstances change, such as after renovations, the installation of new security systems, or the acquisition of valuable items.
“Accurate, up-to-date information is essential to avoid issues at claim time,” said Rimmer
“Many people are also unaware of policy exclusions or conditions that could affect claims, so it’s important to thoroughly review policy documents,” she added.
Rimmer adds that security features must be utilised correctly.
She used an example of that if a policy stipulates that an active alarm system is required, it is essential that the alarm is activated whenever the property is unattended. Failing to do so could impact the outcome of a claim.
Protecting unattended properties and businesses
If you plan to leave your property or business unattended, Rimmer recommends implementing robust security measures.
“Consider CCTV surveillance, alarm systems and secure locks and remove valuable equipment and documents or ensure they are safely stored. If necessary, hiring security guards or using remote monitoring services can provide additional protection,” she said.
To enhance the security of your property, Rimmer recommends taking the following precautions:
- Hire a House Sitter: Having someone stay in your home can deter burglars. If that’s not feasible, consider using solar-powered or timed lights that activate at night to give the impression that someone is present.
- Arrange for Mail Collection: Request a neighbor or friend to collect your mail, newspapers, and take care of your bins. An overflowing mailbox or an unemptied bin can signal that no one is home.
- Secure Alarm Systems and Locks: Make sure to test your alarm systems and replace batteries as needed. Verify that garage doors, security gates, and locks are secure, and think about installing cameras for added security.
- Be Cautious on Social Media: Avoid posting your holiday plans on social media until you return, as this can notify potential thieves of your absence.
“A well-prepared insurance plan provides the peace of mind that lets you focus on what truly matters during this time of year,” said Rimmer.
“Working with a short-term insurance adviser ensures that your cover considers all relevant factors, especially as the holiday season tends to arrive faster than anticipated.
“Updating your insurance policies early is key to enjoying a stress-free holiday,” she added.
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