As the festive season approaches, South Africans eagerly anticipate holidays, family gatherings, and year-end celebrations. Amid the excitement, one crucial task often gets overlooked: ensuring your short-term insurance is up to date.

Karen Rimmer, Head of Distribution at PSG Insure, highlights why reviewing your insurance policies should top your holiday checklist.

“This time of year often sees homes and businesses left unattended. It’s vital to ensure your possessions are correctly insured and your security measures are fully operational,” says Rimmer.

Common Insurance Pitfalls to Avoid

Many people unintentionally set themselves up for challenges when filing claims by not updating their policies. According to Rimmer, this often happens after events like home renovations, adding new security systems, or acquiring high-value items.

“Your insurance policy needs to reflect your current situation. Outdated or inaccurate information can cause major headaches during a claim,” she warns.

Additionally, she stresses the importance of understanding your policy's exclusions and conditions. For instance, if your policy requires an active alarm system, failing to arm it when leaving your property unattended could void your coverage.

How to Secure Unattended Properties

Planning to leave your home or business vacant over the holidays? Proactive security measures can make all the difference.

Rimmer suggests the following:

  • Invest in Robust Security: Consider installing CCTV cameras, upgrading locks, and activating alarm systems. For added protection, store valuables securely or remove them entirely.
  • Hire a House Sitter: Having someone present deters potential intruders. If this isn’t possible, use solar-powered or timed lights to make your property look occupied.
  • Handle Mail and Bins: Ask a trusted neighbor or friend to collect mail, newspapers, and handle your bins. Overflowing mailboxes or unemptied bins are clear signs of an empty home.
  • Double-Check Alarms and Locks: Test your security systems, replace batteries if needed, and ensure all locks and gates are functioning properly.
  • Stay Discreet on Social Media: Avoid advertising your holiday plans online. Post your vacation photos only after you’re safely back home.

“Small steps like these can significantly reduce risks and provide peace of mind during the holiday season,” Rimmer adds.

Insurance: Your Secret to a Stress-Free Holiday

A well-prepared insurance plan ensures you’re covered no matter what happens. Rimmer advises working with a short-term insurance expert to tailor your coverage to your specific needs.

“The holiday season always sneaks up on us. Updating your insurance early lets you focus on what really matters—spending quality time with loved ones,” she concludes.

Make this festive season one to remember—for all the right reasons. Take action now to safeguard your property, business, and peace of mind.