Monthly Archives: December 2016
Posted on 16 December, 2016
‘tis the season to be jolly…so make sure your home is safe, secure and you are adequately covered over the festive season by following Donnellys Christmas season top tips!
Travelling Overseas with Christmas presents
It is vital to ensure you are aware of the limitations within your travel insurance policy, particularly if you are taking presents abroad. Most insurers will cover presents under your personal baggage cover, providing the item you are claiming for falls within the policy limits/guidelines. Many policies have restrictions so it is very important to read your policy documents before you travel with gifts to ensure you are adequately covered.
Cover Yourself While Travelling
8% of Australians travelled without Travel Insurance on their last overseas trip, according to a survey commissioned by the Australian Government and the ICA 2016. That’s 850,000 visits by Australians overseas without Insurance! Do not expose yourself to such risks and get yourself covered.
Leaving Your Home Unattended Over the Holidays
Most policies would cover an unoccupied home for at least 30 days without the need to notify the insurer – but normal precautions would need to be taken as there is a duty of care on the policy holder to safeguard the premises. For example, if you have a security system, it must be activated when a home is vacant for a period of time, otherwise the policy cover may be prejudiced if contents are stolen when the alarm is inactive. If you have a bicycle you need to be aware that many policies have a limit on the value you can claim if it is stolen at home. And there may be no cover under a standard home policy if the bicycle is stolen and damaged in an accident or in competition away from home, unless you pay extra for a policy extension.
You’re out and about at Christmas parties and events, not forgetting all that shopping that needs doing. If your home is left empty during the festive season, it could be an easy target for burglars. Making sure your home is extra secure should be on your priority list. Ensure the exterior of your home is well-lit. Making sure your windows and doors are secure is essential all year round, not just during the festive season. Ask your neighbours and friends to keep an eye on your property and arrange for mail and newspapers to be collected while you’re away. Try not to share photos on Social Media while you’re away, wait until you return.
Out of Sight, Out of Mind
The best way to keep presents already bought for Christmas is to keep them out of sight. The safest option is to keep them hidden away until closer to Christmas. Also, be sure to properly dispose of any packaging for new items in the house. You don’t want to advertise your valuables to any potential thieves. So break it down and bag it up, don’t just leave it for collection.
Avoid a Christmas Inferno
Make sure you turn off your Christmas lights, when you’re out of the house, and when you go to bed. Avoid overloading plug points as this can be a fire risk and remember Christmas trees and decorations can catch fire easily.
The New Year is a Good Time to Update Your Home and Contents Insurance
If you are planning a quiet summer break at home, this may be a good time to catch up on important things like checking you are fully covered by your home insurance policy. The best way is to use the ‘Valuation Guides’ for home and contents replacement costs, which are found on leading insurer or broker websites. You need to know the size of your house and under-cover areas, half the value of fences, landscaping and paths. Once the festive season is over, it is important you update your policy with the valuable gifts you receive. Take an inventory of all non-fixed contents items, and take photographs of major items to be able to prove ownership in the event of a claim, should the worst happen.
Posted on 18 May, 2018
In last month’s Part 1. Of our Home & contents insurance trips and traps series, we took aim at...Read on
Posted on 02 May, 2018
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Posted on 02 April, 2018
In the final instalment of our ‘Car Insurance Tips and Traps’ series, we’re going to take a look at...Read on
Posted on 05 March, 2018
In part one of our Car Insurance Tips and Traps series, we looked at total loss claims, new for...Read on
Posted on 05 February, 2018
Ever wondered what you should look out for when purchasing a car insurance policy, or when making a claim?...Read on
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