Christmas tips and opening hours
Posted on 22 December, 2018
‘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. For example, don’t leave your luggage unattended at airports particularly, as many travel policies will not cover theft of unattended luggage.
Cover Yourself while travelling
Medical costs in some countries such as USA, Canada, Japan, and Europe are extremely high, so you need to have the right cover for your travel destination. Not all hospitals are like the ones at home. Imagine being in hospital where appropriate medical facilities are not available. Medical staff that don’t speak English and equipment is limited to a stethoscope and a bandage.
That’s when it’s important that you have the best Travel GP available through your insurer who can give you calm and clear advice, as well as a guidance with medicine or a medical referral over the phone and connect you to an Australian based GP, if appropriate.
Donnellys will be announcing in the new year the choice of two market leading Travel policies offering special benefits for our clients – watch out for our next newsletter.
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 notified your insurer that 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 away from home or in competition, unless you have the right policy.
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.
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 Donnellys website home page www.Donnellys.com.au. 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 or other purchases.. 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.
We wish you a safe and Merry Christmas and a Happy New Year!
We will be open every business day over the Christmas/New year period (excluding public holidays). We will have a reduced staff who will be in the office between 9 and 3pm.
We will be available to assist you with covering all your insurance needs including new purchases and assist with any claims you may have.
As a Donnellys client you also have access to a 24/7 FREE Emergency Home Service if you require it. Call Johns Lyng Group, our Emergency Home Service provider on 1300 218 992 and advise them that you are a Donnellys client. Also let them know who your insurance company is for your policy, if you know it from your insurance policy certificate from us. This is for emergency work to prevent further loss or damage to your property. (eg emergency plumbing or electrical, glass replacement, protective tarping, tree removal, locksmith services). This service is available to you throughout the year.
If you purchase a new vehicle (up to a value of $150,000) which will replace your traded in vehicle you will have automatic cover for the new vehicle for 21 days to provide us with its details and any premium adjustment to be paid.
Buying a house
Get your real estate agent to email a copy of your contract to us at firstname.lastname@example.org and we will have cover for you from the fall of the auction hammer or the end of your cooling off period.
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