Category: Household

  • TOP FESTIVE SEASON INSURANCE CLAIMS – DON’T GET CAUGHT OFF-GUARD

    TOP FESTIVE SEASON INSURANCE CLAIMS – DON’T GET CAUGHT OFF-GUARD

     

    While the festive season is all about being merry and jolly, December is also a time when insurance claims tend to spike, thanks to the holiday chaos. From road accidents to car troubles, from household disasters to Mother Nature herself, here’s what to look out for to keep the festive spirit merry.

    Top Insurance Claims Over December

    Common Household Insurance Claims:

    • Power Surges: What happens when you pair load shedding and festive décor together? Things get heated, especially when the Christmas tree catches alight.
    • Water Damage: Burst geysers and leaking pipes due to extra water usage and old pipes can really dampen the holiday mood.
    • Theft: Empty homes and distracted neighbours? Sounds like the perfect time for burglars and thieves to take their chances.

    Common Car Insurance Claims

    • Accidents: This time of the year, the roads are packed with last-minute shoppers racing around, tired drivers from out of town, and everyone on holiday or on leave! Road accidents and collisions lurk around every corner.
    • Hijackings: It’s South Africa, Crime is always a concern, but it tends to spike during December because of all the distractions. Vehicle break-ins, theft and hijacking risks increase during this time.
      RELATED: Fact: Crime Increase Over December
    • Breakdowns: Old tyres, neglected services, and a planned road trip don’t always make the best memories. Being stranded on the side of the road isn’t the getaway anyone really plans for.

    Common Business Insurance Claims

    • Fire Damage: Thank overloaded circuits and festive lights for this one.
    • Theft: We know a busy store is all you want for Christmas, but they are also prime targets for shoplifters.
    • Defective Products: Nobody wants unhappy customers or clients, but the rush to meet demand can lead to costly product and service recalls and complaints.

    For prevention and tips, read our full Festive Season Survival Guide to help you to stay protected!

    Keep the Festive Spirit Alive with Protection

    Insurance may not be the most exciting part of your holiday checklist, but having the right cover ensures peace of mind when the unexpected happens. Whether you’re hitting the road or decking the halls, ensure your policy is ready for the season’s surprises.

    Visit dotsure.co.za today and keep your business, homes and vehicles protected over the December rush!

    Happy holidays, South Africa. Don’t let mishaps ruin your merry moments!

  • THE ULTIMATE FESTIVE SEASON SURVIVAL GUIDE

    THE ULTIMATE FESTIVE SEASON SURVIVAL GUIDE

    Festive season, holiday season, Dezemba, aka: Silly Season! We know that the South African holidays can come with their share of risk and chaos! From unpredictable storms to opportunistic crime, here’s our festive season survival guide to being prepared so you can enjoy those cocktails instead of relying on them. ?

    Here’s how to protect what matters most:

    1. Lock down your home

    If you’re travelling, don’t leave your home vulnerable.

    • Test your alarm, lock valuables away and ask a trusted friend or neighbour to check in. Your plants and your pocket will thank you later!
    • Use timer switches on your lights or smart cameras to create the illusion of someone’s home; you’re less likely to be targeted if your house doesn’t look “empty”.
    • Update or review your building and contents insurance; burglary claims often spike at this time of the year.
    • And remember, resist the urge to post your travel plans on social media. Letting the world know you’re not home for a few weeks is like handing over your keys and asking for trouble.

    2. Ready your car for road trips

    Wherever you’re headed, if you’re hitting the road, your car needs attention.

    • Schedule a service and check essentials such as tyre pressure, fluids and brakes.
    • Make sure your insurance includes emergency roadside assistance. You’ll thank yourself later.

    Our car insurance cover has your back if you’re stranded. Read more about that here: After-hours Emergencies on The Road.

    We also have a complete road trip checklist just for you!

    3. Secure your valuables

    Portable possessions such as phones, jewellery and holiday purchases are easy targets for thieves.

    • Don’t leave valuables such as handbags or shopping bags in your car, if you do, keep them out of sight!
    • Update your insurance to cover new items and gifts. You can manage your policies with us from the 24/7 Online Manage Portal.

    4. Prepare for storms and power cuts

    A South African summer means thunderstorms and power cuts for some parts of the country. For the entire country, load-shedding is always a risk!

    • Clear gutters, trim trees and check your roof for leaks.
    • Protect your electronics with surge protectors and find out if your policy covers things such as spoilage if your freezer fails. RIP to all the lost gammons out there!

    5. Stay safe when staying home

    Even if you’re not travelling, always keep safety in mind!

    • Set your alarm, lock gates and park your cars securely.
    • Be cautious with open flames and overloaded plugs. Candles are great for ambience, but not if they are near flammable festive decorations.

    Enjoy worry-free festivities with insurance

    The holidays are for celebrating, not stressing. With dotsure.co.za, you’re covered for life’s unexpected twists. Get a quote or review your policy today at dotsure.co.za.

  • FACT: CRIME INCREASES OVER DECEMBER

    FACT: CRIME INCREASES OVER DECEMBER

    Can you believe that the holidays have arrived? With tying up loose ends at work, planning your holiday activities and wrapping up school exams, you probably don’t want to ruin the mood by thinking about insurance risks. But may we remind you that December is the time of year when crime rates spike across South Africa.  Whether they are home break-ins, car theft or cyber scams, criminals take advantage of the holiday distractions.

    Psst! Curious about which insurance risks are most common in South Africa over the December period? Check out the Top Festive Season Insurance Claims!

    Why Crime Surges During the Festive Season

    Empty Homes: Holiday getaways leave homes vulnerable to burglaries.

    Busy Shoppers: Crowded shopping centres and distracted buyers make pickpocketing and vehicle break-ins more common.

    Increased Transactions: Cash withdrawals and valuable purchases make people targets for cybertheft.

    Holiday Chaos: The festive rush often leads to lapses in security.

    Top Tips to Stay Safe

    Secure Your Home: Invest in alarm systems, motion-sensor lights and timers to deter burglars. Always inform trusted neighbours if you’re travelling so they can keep an eye out.

    Car Safety: Always park in secure areas and avoid leaving valuables in plain sight. Consider a steering lock or tracking device for extra protection.

    Stay Vigilant Online: Scammers thrive during December. Avoid clicking on suspicious links or sharing sensitive information.

    Comprehensive Insurance: From theft to damage, having the right insurance gives you peace of mind when the unexpected happens.

    Check it out: The Ultimate Festive Season Survival Guide

    How Can We Help?

    Whether you need business, household or car insurance, dotsure.co.za has you covered. Our policies offer expert protection, ensuring your festive season stays stress-free. Don’t allow criminals to dampen your holiday cheer. Stay safe, stay smart and let us take care of the risks!

  • THEFT COVER FOR YOUR BUSINESS

    THEFT COVER FOR YOUR BUSINESS

     

    Protect Your Business Assets with Theft Insurance

    Theft cover provides a safety net for your business, but it’s important to determine how much cover is needed.

    What’s covered under business theft insurance?

    Theft cover typically protects against loss or damage caused by forcible and violent entry. Common inclusions are:
    • Loss of or damage to business contents.
    • Damage to landlord fixtures and fittings.
    • Costs associated with locks and keys.
    • Losses caused by a concealed thief.
    • Personal effects, tools, or property of directors or staff.

    The right amount of cover

    When calculating theft cover for your business, it’s essential to estimate the potential losses your business could suffer in the event of a break-in or theft accurately.

    Factors to consider

    • Is your business in a high-theft area?

    If your business is located in an area known for high crime rates it’s worth investing in more comprehensive cover.

    • Do you have adequate physical security?

    Having strong deterrents, such as burglar bars, lock-in shutters, and alarms, may lower your insurance premiums while providing additional security.

    • What type of goods do you store?

    Some products, such as electronics or tobacco, are more attractive to thieves, which may require higher theft coverage.

    Features of vehicle tracking devices

    • Stolen Vehicle Recovery Services
    • Live Tracking
    • Early Warning Theft Alert
    • Battery Disconnect Alerts
    • Signal Jamming Detection
    • Impact Detection for Safety

    Securing adequate theft cover and investing in tracking devices for your business vehicles are essential strategies for the protection of your assets. Don’t wait for theft to happen – prepare today for a more secure tomorrow.