Tips to make sure your insurer has you covered this festive season

Tips to make sure your insurer has you covered this festive season

The festive season is upon us and despite the second wave of COVID-19 that has hit South Africa, some people may still opt to travel to different destinations to spend time with family and friends they haven’t seen since lockdown.

Government this week outlined updated rules for travelling requirements both locally and when entering or leaving the country, the tests required, as well as the quarantine periods. So, whether you have planned a long-distance road trip, travelling to a nearby location or neighbouring country, it is important to consider the health risks and not only prepare for the trip but also ensure that you are covered in case of any unfortunate event.

With the excitement of going on holiday it is easy to forget about the insurance risks over the festive season when in fact we should be thinking about how to minimize these risks.

It is also important to understand the insurance risks of the country or destination that you are travelling to, and not to take any unnecessary risks. Make sure your travel and medical insurance policies are in place and take advantage of the flexibility of home contents cover during your holiday.

Here are some tips to make sure your insurer has you covered this festive season:


The last thing you want is to have your claim rejected because your paperwork was not up to date. Make sure your vehicle license disc and driver’s license are valid, household contents information is updated and your physical address is correct. Take some time to inspect your insurance policy and what you are covered for. If you have accessories or extras that have been recently fitted after obtaining cover, ensure that those are listed on your policy and covered.


Your vehicle roadworthiness will not only keep you and your family safe during your trip and protect the lives of the other people travelling on the same road with you but also provide for a hassle-free claims process if things go wrong. Before starting your trip visit a service centre for a holiday inspection to ensure that everything is in working order and roadworthy condition – indicators, brake lights, brake pads, tyres, cracks or chips on windows and windscreen wipers.


If you are planning on visiting neighbouring countries, you will need to contact your insurer to make sure your policy covers you outside of the borders of South Africa. You will need a letter from your insurer detailing your coverage to present at the border – you could also conveniently get your border letters via your insurers’ website or mobile app. Many insurers will cover you for damage to your own car while you are outside of South Africa; however, you may need to take out separate third-party liability insurance cover should you be liable for damage to another vehicle.


Save your insurer’s roadside emergency number on your phone or in a safe place so its easily accessible in an unfortunate event of an accident or break in. Make use of emergency alert functions provided by your insurer, such as Safety Alert, from Momentum Short-term Insurance to get access to armed responders whether you’re travelling towards your destination or out and about enjoying your staycation.


Advise the security company and insurer of how long you will be away.
Provide the security company with a trusted friend or family member’s number – someone they can call to check in on the house in case the alarm goes off.
Its important to give an impression that someone is home – so if you can, get a family member or friend to go to your house to turn lights on and off at appropriate hours.

Don’t tell everyone you’ll be away. Avoid posting on your social media handles about your holiday and especially the exact dates you’ll be gone. Rather keep that information for your close friend group.

When packing your car, if possible, rather do it in your garage behind closed doors.
If you’re organizing a house sitter, make sure you’ve agreed on their responsibilities and have it in writing. This is a good insurance risk precaution to take.
Don’t forget to lock away your valuables!


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