December insurance 101: Preparing for the festive season

 It’s that time of year when your focus naturally shifts from work deadlines and responsibilities to travel plans and family gatherings. Mentally, you may already be on holiday, but before physically locking up the office or loading the car, make sure that both your home and business are properly protected while you’re away.

According to Ryno de Kock, Head of Distribution at PSG Insure, the end of the year is one of the busiest periods for insurers. “We often see a spike in claims around December and January, from vehicle accidents and lost luggage to burglaries at vacant homes or offices,” he says. “Taking a few simple steps before going away can go a long way in reducing potential financial setbacks during what should be a time of rest.”

He offers some essential reminders for both individuals and business owners as the festive break approaches.

Safeguarding your home

Before setting off on your holiday, take time to secure your property. Ensure that all alarm systems are in good working order and that your security company has up-to-date emergency contact details. You can also ask a trusted neighbour or friend to check in periodically to make it seem like someone is home.

Small actions, such as setting interior lights on timers or keeping outdoor areas well-lit, can also deter opportunistic criminals. “Criminal activity tends to spike during the holiday period, particularly when properties appear empty,” says de Kock. “Simple visibility measures, combined with an active alarm system, are effective deterrents that could make a world of difference.”

It’s equally important to review your household insurance policy to confirm that your cover remains adequate. If you’ve recently made new purchases such as electronics, jewellery, or other valuables, ensure these items are listed and insured for their correct value.

Conduct a pre-trip vehicle inspection

For those travelling domestically, a thorough vehicle check can prevent unnecessary complications whilst you’re on the road. Inspect tyres, oil, and brake fluid levels, and confirm that your car’s service and licence are up to date. “Accidents caused by vehicle neglect are common at this time of year,” de Kock notes. “A pre-trip inspection, even a simple one, can make all the difference.”

Motorists should also review their car insurance policy to ensure it provides comprehensive cover for potential risks such as accidents, theft, or hail damage. For added peace of mind, keep your insurer’s roadside assistance contact details readily accessible.

Get the right travel insurance

If your holiday plans take you abroad, travel insurance should be non-negotiable. Comprehensive travel cover protects you against a range of unforeseen events – including trip cancellations, medical emergencies, lost baggage, and delayed flights. “Travel insurance isn’t just for worst-case scenarios,” says de Kock. “Even a missed connection or a lost passport can lead to significant costs if you’re unprotected.”

Travellers should confirm that their policy offers adequate medical cover for the region they’re visiting and that any adventure activities or sports are included if relevant.

Preparing your business

Many businesses shut down for a few weeks over December. While the downtime is valuable, it can also be a risk if premises and equipment are not properly secured. Before closing, ensure all security systems – including alarms, locks, and CCTV – are tested and functional.

De Kock advises compiling a simple business closure checklist. “This should include switching off non-essential equipment, safely storing valuables, backing up critical data, and notifying your insurer of any extended shutdown periods if required.”

He adds that business interruption insurance is worth reviewing ahead of the festive period, particularly for companies dependent on physical premises or equipment. “Unexpected events such as power surges, fires, or theft can disrupt operations well into the new year. Having the right cover in place ensures continuity when business resumes.”

The festive season is a time to recharge, not to worry, concludes de Kock. “Ultimately, preparation is the best form of protection. Knowing that your assets and risks are properly covered is the best way to ensure a safe, restful holiday.”