Recommendations on car and home insurance to guard your belongings throughout the December trip – Ladies on Wheels

The holidays are here and many South Africans will take their annual vacation, provided that no bans on beach visits or travel between the provinces are reintroduced in the coming weeks.

Whether the Omicron wave made you downgrade your plans to a weekend getaway to a nearby destination, or whether you're planning a long drive, there are a few things you can do to keep your home and vehicle safe.

Sumarie Greybe, co-founder of digital insurance platform Naked, gives some tips on how to get the most out of your home and car insurance during the December vacation:

Tips on car insurance

  • Make sure that all drivers of your car have a current driver's license and that your vehicle registration CD is valid. Motorists can also avoid queues and check their license plates online through services such as. renew Renew online.
  • Make sure your car is roadworthy to keep everyone in your car and on the road safe, as well as to ensure a smooth claims history if something bad happens on the road. Make sure your tire tread isn't worn, check that your turn signals and brake lights are working, and have your brake pads checked.
  • Have your insurer's breakdown emergency number ready or install the app so that you can call for help in the event of an accident or engine failure.
  • While some African countries (such as Angola, Egypt, Mauritius, and Rwanda) have imposed travel restrictions on South Africa, others are still welcoming tourists. If you are going to neighboring countries, check whether your policy covers you outside the borders of South Africa and have your insurer fetch you a letter that you can present at the border. Most South African policies only cover you for damage to your own car while you are outside our borders. If you are traveling outside of South Africa, you will usually need separate liability insurance. This coverage provides compensation when your vehicle is involved in a traffic accident and another vehicle is damaged, or someone else is injured or killed in another country. It can be bought from the AA. Also, be sure to check out the Covid laws and protocols of each nation you plan to visit.
  • Follow the road traffic rules. Never drink or drive. Not only is it a criminal offense, but it can also have fatal consequences. Right now, a driver's blood cannot have an alcohol content of more than 0.05%, which means that after just one small drink, you could exceed the limit. It's safer not to drink at all, even though the government's proposed zero alcohol law is still in place. Plan ahead and arrange alternative transportation if you want to have a few drinks. With Uber and similar services available in most urban centers, there should be no more reason to drink and drive.
  • With the Naked mobile app, you can pause your accident protection on the days when you are not driving. You can save 50% of your premium immediately on the days that you use Cover pause. It's a great way to save money traveling and leaving your car at home or parked at the airport, or mostly shielding you at home until the fourth wave subsides.

Tips on insuring household effects and personal effects

  • If you haven't updated your insurance coverage for a long time, take your time to check whether you have insured your house and your household effects for what they are worth it today. After inflation, replacing your smartphone or sofa is more expensive today than it was three years ago.
  • Make sure external locks and security doors in your home are in good condition and securely locked before you leave. Keep in mind that if your home is robbed and there are no signs of entry, it can be difficult to settle a claim.
  • Make sure to activate your alarm and check that you have a valid subscription to an armed ambulance service, especially if you have notified your insurance company that you have an alarm.
  • If you travel with valuable items like golf clubs, notebook, jewelry or camera, make sure they are all insured for their full value by listing them on your home insurance.
  • If you don't have home insurance, you can get a quote and get valuables insurance Unique pieces from a digital insurance provider.
  • A good policy also includes 24/7 emergency assistance – your insurance provider can help the person watching your home while you are away if your geyser bursts or if they need a locksmith.

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