Protecting your valuables while you are on holiday

December is finally here and with it, the long awaited holiday season! Unfortunately, statistics show that show that criminal activity tends to increase during the festive season. So, before you head for that well-deserved break, it’s important to ensure that you safeguard your home.

Here are some useful suggestions that will give you peace of mind while you are away:

Safety checklist

  • Let your security company know you’re going away. You may also want to alert a neighbour so that they can keep an eye on your property.
  • Test that your alarm system is working correctly.
  • Make sure that your home is secure before you leave. It’s always a good idea to double check that all windows, doors and other points of entry are locked.
  • Protect your electronic devices from lighting and power surges by unplugging all electrical appliances before you leave.
  • Switch off your geyser. This will save electricity and prevent too much damage in case of a burst geyser or leaking pipe.
  • Arrange for someone to clear your mailbox regularly while you’re away.
  • Have good exterior lighting, preferably on a timer.
  • Ensure that the security features that you have noted on your insurance policy are all in working order. Not having the security measures required by your policy may result in any claims being rejected.

Check your insurance policy!

It's usually a good idea to go through your insurance coversheet to make sure that you're covered for what you think you are. Here is a shortlist of what to look out for:

  • Is your household contents cover up-to-date and does it correctly list the replacement value of your current home contents?
  • Are you going to be taking items such laptops, tablets or cameras with you on holiday? All-risk insurance is designed to cover items you take out of your home, while household contents is cover for items inside the home. Make sure that everything you take with you is covered and for the correct replacement amount.
  • If you are going to tow a caravan, trailer, boat or any other watercraft, make sure that you know what you are covered for.
  • If you are driving to another country, check your insurance policy and find out whether you are covered in the event of an accident outside South Africa. You will probably need to request a border letter from your insurance company.
  • Check how much excess you will have to pay in the event of an accident or theft.
  • Make sure you have emergency services numbers stored on your cell phone in case your vehicle needs to be towed or you require roadside assistance.

Remember, as a MiWay client, you can always update or manage your insurance policy online whenever it’s convenient for you, even while you are away on holiday, by using MiXpress, MiWay’s online self-service portal.

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