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!