Countdown to the Festive Season: Insurance Tips For Planning Your Festive Season

As the year winds down and holiday plans start to take shape, it’s crucial to take steps to avoid any unwelcome surprises.

From safeguarding your belongings to preparing your home for your absence, taking precautionary steps now will give you peace of mind while you enjoy the festive season.

Review Your Insurance Coverage

Before leaving for the holidays, it’s essential to review your insurance coverage to protect yourself from theft, loss, or damage to your belongings. Contact your insurance provider or broker to inform them of your holiday plans and make sure your policies are up to date. This will help avoid any complications if you need to make a claim.

For those planning to take portable devices like smartphones, tablets, or expensive items such as golf clubs, jewellery, or electronics with them on vacation, be sure to confirm whether these items are covered outside of the home. Some valuable items must be specifically listed in your policy to be insured against theft or loss.

Home Maintenance Checks

To minimize the risk of home damage due to heavy rainfall or hail, homeowners should perform some basic maintenance checks. Inspect your roof for missing or damaged materials, check for water spots or standing water, and clear gutters to prevent leaks and rot. Conduct regular inspections of plumbing areas like the kitchen and bathroom for leaks, and replace any faulty washers or pipes.

Security Measures

Before leaving, ensure your security system is in full working order. Test the alarm, panic buttons, and motion sensors, and check that door magnets and passive sensors are functioning. Make sure all surveillance systems, including CCTV cameras, are properly positioned to monitor both the interior and exterior of your property.

In addition to testing your alarm system, it’s essential to ensure that your electric fence is in good condition. Trim back any trees or plants that could interfere with its function, and double-check that all doors and windows are securely locked. Avoid leaving a spare key in obvious places like under a doormat or flowerpot; instead, leave it with a trusted neighbour or family member.

Consider storing valuables such as jewellery in a locked safe or temporarily moving them to an alternative location. Don’t forget to store important documents related to these valuables in a secure online vault, provided by some insurers.

Preparing for Your Absence

While you’re away, it’s advisable to unplug appliances like TVs, coffee makers, and sound systems to prevent damage from power surges.

Ensure your home doesn’t appear unoccupied—ask a trusted neighbour to collect your mail, cancel newspaper subscriptions, and consider using a time-switch to turn lights on and off at random intervals in the evening. Avoid posting your travel plans on social media, as this can make your home a target for criminals.

If you’re going away for more than 60 consecutive days, inform your insurer. Homes left unoccupied for extended periods are considered higher risk, and it’s essential to adjust your coverage accordingly.

Driving Tips for Holiday Travel

For those planning long drives during the holiday season, be sure to conduct a full safety check on your vehicle. Inspect your tyres, lights, and wipers, and ensure your car is roadworthy before embarking on your journey. Drive cautiously on busy roads, account for longer travel times, and avoid taking risks when overtaking.

Take Action Now!

Don’t wait until the last minute to ensure your safety and financial protection. Contact your insurance provider today to update your coverage, secure your home, and protect your valuables. Taking these steps now will allow you to relax and enjoy the holidays with confidence, knowing you’re prepared for whatever may come your way.

While you’re reviewing your holiday coverage, why not take a moment to explore how Pogir Short Term Insurance can protect more of what matters to you? From your car to your home and even your valuables, Pogir offers customizable short-term insurance solutions that fit your lifestyle. Get in touch today.