Short-Term Insurance Blogs

As people are starting to plan and look forward to the upcoming Easter and school holiday period, I urge all policyholders not to neglect home maintenance and insurance essentials before they embark on vacation.

With the various weather phenomenons experienced in 2018, I advise all intermediaries and policyholders to take some basic precautionary measures to ensure that you protect yourself against any damage or losses that might be caused by heavy rainfall and hail.

As a homeowner, you should regularly check the roof for missing, worn or broken roofing materials that could allow water to infiltrate and weaken the roof’s structure. Look around for any water spots, standing water or mould. Watch out for pooling of water, especially on a flat roof, because if you do not correct this issue it can lead to problems at claim stage.

It is essential to ensure you regularly clean all your gutters as a build-up of leaves or other debris can cause water puddles on the roof, resulting in both rotting and leaks. Clean gutters will also ensure that water effectively drains away from the house.

Conducting regular visual inspections of possible plumbing leaks in the kitchen, bathroom and even the laundry room, is a must for all homeowners. When taps are leaking from the spout it is probable that the washers may need to be replaced. Remember to cut the water supply when working on leaking taps to avoid unnecessary water damage or flooding.

Those who are planning to take portable devices, such as iPads and smart phones, with them as they go on holiday face the risk of not being covered in the event of theft or loss, even if they have an All Risk section on their householder’s insurance policy. Specify any item valued over R2 000 in the applicable policies, in order to be covered when you take the goods out of your home. This includes belongings such as golf clubs, bicycles, jewellery and expensive handbags. Furthermore, you should specify any portable electronic devices such as laptops, smart phones, cameras, iPads and other tablets on the policy regardless of the value.

In addition, I urge motorists planning to embark on a journey and travel far distances on the road to ensure that they conduct full vehicle safety checks before leaving for the trip. This includes checking tyre treads, making sure lights and wipers are in working order and ensuring that the vehicle is in a proper roadworthy condition.

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We wish you a safe and happy holidays.

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