As the festive season approaches, it’s time to wrap up your work so you can wrap up your gifts!
Perhaps you’re travelling to visit loved ones or staying home to host friends and family. Maybe you’re splurging on special gifts. Whatever your plans, this season often comes with increased risks.
At Barker Insurance, we want to ensure you enjoy a stress-free holiday by making sure your insurance policy covers you while you're away.
Here’s a guide to help you protect what matters most during this special time of the year.
Start with a policy review
It’s probably not high on your Santa list, but before diving into the festivities, take a moment to double-check your insurance policies and make any necessary updates before the end of the year. This habit can help you avoid any unpleasant surprises in accidents, theft, or loss.
We recommend focusing on these key areas:
Motor insurance: Ensure your vehicle is fully covered, especially if you’re planning a road trip.
Household insurance: Confirm your property is protected while you’re away or hosting visitors.
Personal valuables: Double-check the cover for expensive items such as jewellery, electronics, or gifts.
Ensure any gifts you’ve purchased or plan to give (such as jewellery or gadgets) are covered under the correct category.
Check out the Covering your valuables: all risks vs. unspecified all risks for a complete guide to your All-Risks coverage.
Holiday safety checklist
To keep your holidays merry and safe, here’s a quick checklist for insurance-related preparedness:
For travellers
Check your vehicle’s roadworthiness; tyres, brakes, lights, and windscreen wipers all work optimally.
Check that your vehicle tracking system works optimally and that the battery status is ‘green.’ Download your Vehicle tracking app.
Barker 24/7 Road & Home Assistance is here to help; ensure the emergency number 0861227537 is saved on your phone.
Look out for the Barker Severe Weather Warning SMS, which will notify you should a storm be approaching and tell you to move your car under cover.
When heading to beaches, restaurants, and clubs, keep an eye on your belongings. Valuables and electronics are often snatched when one is not looking.
For homeowners
Secure your home before leaving: check locks, set alarms, and consider timing switches for selected lights.
Switch off your Geyser to avoid a burst geyser while you are away, saving you electricity.
A little preparation goes a long way towards ensuring your festive season remains joyful and stress-free. By reviewing and updating your insurance policies now, you can mitigate risks and focus on what truly matters – celebrating with those you love.
Do you need help with your policy updates or have questions about cover? Contact your Barker Consultant today, and let us help you safeguard your holidays.
Here’s to a happy, safe, and insured festive season!