It’s the most wonderful time of the year… until your car breaks down halfway to the coast, your geyser bursts, and your neighbour’s cousin accidentally drives into your wall. 🎄

December in South Africa brings sunshine, braais, and well-deserved holidays, but it also brings a spike in theft, accidents, and storm damage. Whether you’re heading to the beach or staying home for a staycation, now’s the time to make sure your insurance is as ready for the festive season as you are.

Here’s your TI Brokers holiday insurance guide to help you stay protected when life (or the weather) gets a little unpredictable.

Travel & Vehicle Risks: Hit the Road, Not the Panic Button

Holiday traffic turns every driver into a potential stunt performer, and accident rates soar. Before you start packing snacks for the road trip, check that:

• Your car insurance includes comprehensive cover, not just third-party.
• Roadside assistance is active and has your current contact details.
• Tracking devices are working, especially since outdated 2G/3G trackers are being phased out across South Africa.
• Excess Eliminator is added to your policy, so a fender bender doesn’t wreck your December budget.

A little prep can keep your holiday road trip from turning into an insurance claim horror story.

Festive Season Home Protection: When Thieves Go on “Holiday” Too

Burglars love December almost as much as we do. With many homes standing empty, break-ins and theft claims spike over the festive period.

Here’s how to keep your home off their wish list:

• Check your alarm and security system, and make sure they’re linked to an active response service.
• Lock up high-value gifts and electronics (nothing says “Merry Christmas” like a new TV that never gets unboxed).
• Update your sums insured to include recent purchases, from jewellery to new appliances.
• Tell a neighbour or friend to keep an eye on your place if you’re travelling.

A quick home check now can save you a not-so-festive claim later.

Weather & Property Risks: December Storms Don’t RSVP

South African summers love a good drama, heavy rain, lightning, hail, and floods.
To keep your property safe (and your claims smooth):

• Waterproof roofs and seal windows before the first big downpour.
• Trim trees and clear gutters, storms love finding weak spots.
• Review your home insurance to include flood and storm damage endorsements.

Because “surprise indoor swimming pool” isn’t the kind of holiday upgrade you want.

Business Cover: Busy Season = Bigger Risks

For business owners, December is a double-edged sword: booming sales, but bigger exposure.

Make sure your business is covered where it counts:

• Commercial property insurance to protect your premises and assets.
• Stock cover to safeguard festive inventory from fire, water, or theft damage.
• Business interruption insurance to keep cashflow steady if you have to shut down unexpectedly.
• Sasria cover to protect against losses from riots or civil unrest, because even a peaceful season can turn unpredictable.

Protect your income so the holidays don’t take more than they give.

Final Thought: Review Before You Relax

The best time to review your cover isn’t when you’re knee-deep in wrapping paper or water damage, it’s now. Whether you’re reviewing your holiday insurance tips South Africa checklist, checking travel insurance South Africa options, or securing your festive season home protection, a few minutes of planning can save you a season’s worth of stress.

So, before you pack your cooler box, take five minutes to check your policies.
Because nothing says “Happy Holidays” like knowing you’re fully covered.

📞 +27 10 600 9999
📧 insurance@tibrokers.biz
🌐 www.tibrokers.biz

TI Brokers
We make insurance speak human.