| GIB NEWS |
| Personal insurance holiday checklist |
22 October 2008 |
 TOP TEN TIPS: - Make sure that all your belongings at home, and those that you take with you on holiday, are safe and that you have adequate and appropriate insurance.
- People don't think twice about getting extra insurance when going on an overseas trip, but when they travel locally they rarely see the need to adapt their policies. This is an easy process and can be done immediately.
- Underinsurance is one of the biggest problems for those who claim when something gets lost or stolen. However, ensuring that the cover you have is also broad enough is important, too. If you recently purchased an expensive digital camera or cellphone that you'd like to take with you on holiday, best you insure it under the "all risks" section of your policy.
- When on holiday, try to remain safety conscious at all times. Make sure your belongings are stored away in a safe place. When in doubt, have valuables stored in the hotel safe.
- It is wise to have other valuables that you want to leave at home - like jewellery, placed in a safe at the bank.
- Make sure that your vehicle is in a good working condition to avoid being stranded while on holiday. And make sure you park in safe places.
- Vehicles can be stolen any time and anywhere, which is why people should avoid parking their vehicles is a deserted area. Remember the golden rule - immediately drive to the nearest police station or a public place if you think your are being followed.
- Also remember to inform your family, friends or a neighbour of your holiday plans and make arrangements with them to regularly empty your post box, have the lights switched on at night and cancel newspaper subscriptions.
- Inside-house review: Appliances like geysers and fridges should be checked thoroughly. Be sure sinks with leaking taps are not left with the plug in.
- Outside-house review: Make sure all gutters and drains are clear - blocked drains can lead to leaking roofs and, in some cases, damage.
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