Super Sure's 12 Insurance Tips For Christmas

With the festive season in full swing, and the summer holidays steadily approaching, we are all looking forward to a well-deserved break with plenty of fun and activity during the holiday season.


It’s a time to unwind, connect and finish the year with warmth and good cheer. But it can also get a little full-on with last minute Christmas shopping in busy malls, preparing for loads of visitors, cooking massive meals, and then taking off in cars and caravans for holiday fun. So amid all the hustle and bustle, take a breath. And stay safe. With a little planning, you’ve got this!




Here’s our Super Sure Tips for the 12 Days of Christmas:

On the first day of Christmas my insurance adviser gave to me:

A Safe and Snug Home

· Lighting - timer switches or smartphone apps are great tools to program your lights to switch on at certain times. This gives the appearance that someone is home and can assist in deterring opportunistic criminals.

· Video monitoring - Consider purchasing a CCTV system that connects to your smartphone via an app. This will enable you to live-stream footage from cameras in your home through to your mobile device or tablet.

· Alarms - Invest in an IP monitored alarm system from an accredited provider. This type of alarm will not only alert your security provider, but can also send notifications to your mobile device if something is amiss. And remember if you have an alarm, but it’s not turned on when you’re out, any burglary claim may be compromised.

· Curtains - Consider leaving your curtains the way they are. This can give the impression you’re home, but just remember to keep expensive items, such as jewellery, out of sight.

· Locks - Test all your door and window locks before leaving to make sure they’re effective and in working order.

· Checking in – Have you got friends or family nearby that aren’t heading away on holiday? Ask them to occasionally check in on your property to make sure all is well. And to clear your letterbox – nothing screams “empty house!” louder than an overflowing letterbox.

· We all want the Christmas tree in the window, but keep presents out of sight; otherwise you’re tempting the Grinch.

· Burglars know where to look for keys left outside. Install a smart lock or get a lockbox.

· Don’t let the world know you’re going away by posting it on social media. Save your awesome photo posts until after you get back home.

· Discard wisely. What’s a sure sign to a burglar that your home is now filled with expensive gadgets? Empty boxes stacked next to your recycling bin. Instead, load them up in your car and find a place where you can drop these off.


On the Second Day of Christmas my insurance adviser gave to me:

Two Plumbers Plumbing

Ensure you’ve turned off water taps to your dishwasher and washing machine just in case a washer or hose breaks while you’re away. Similarly, unplug any non-essential electrical items to ensure they don’t become damaged in the event of a power surge.



On the Third Day of Christmas My Insurance Adviser gave to me:

Three Lights a Twinkling

Consider converting old incandescent Christmas lights to LED bulbs. LEDs can help you save electricity, but more importantly, they expel little to no heat when in use. This can significantly reduce the fire risk.

TIPS:

· Ensure your Christmas lights and cords are in safe working order before you plug them in. Overloaded power boards, exposed wiring and damaged cables can still present a fire danger. Check for and avoid using items with frayed cables, burn marks, and exposed wires.

· Put your lights on a timer switch or turn them off when you’re not in the room.

· Ensure your lights are used in the correct setting i.e. indoor/outdoor usage.

· Consider purchasing battery operated lights to decrease the fire risk.

· Check your lights to ensure they have a label confirming they've been tested and passed New Zealand Safety standards.

· Buy accredited lights and decorations: Ensure you choose quality over cost. Quality Christmas lights come with approval from accredited certification organisations stating that the products comply with applicable standards for safety and performance.

· Use only one extension cord: Do not consider doubling up on extension cords. It may be tempting to do so to gain more reach, but cords were not designed for this use. Stick to one and invest in longer cords if necessary.

· Outdoor lights are for OUTDOORS, and INDOOR lights are for INDOORS. When hanging outdoor lights, ensure that the lights are suitable for the place you’re hanging them. Outdoor lights are insulated specially for that purpose. Indoor lights are not suitable for wet weather.

· Don’t use candles as tree decorations: It may sound obvious, but candles are often used as festive tree decorations which is a very apparent fire risk.



On the Fourth Day of Christmas My Insurance Adviser gave to me:

Four Beef Patties Sizzling

Know the drill before you grill! Before using your BBQ, check for any gas leaks using the soapy water test (https://www.youtube.com/watch?v=08XyJ_WdszE&list=PLUiaMtB53eWN6pe9E6Omq8y3VhcHkwyIW&index=12) and ensure that the fittings and hoses are in perfect working order before you fire up the grill.




On the Fifth Day of Christmas My Insurance Adviser gave to me:

Five Golden Rings Well Protected

Your Christmas presents are protected with your home insurance under the contents portion of your policy. But there are some specific stipulations and limitations.

In general, keep your receipts as proof of purchase to make the claims process smoother if you are robbed.


If the gift is something like high-value jewellery, consider a jewellery endorsement, or add-on. The endorsement allows you to add even more protection for a little bit extra premium. Typically, jewellery may be limited to $2,000-$6,000 of coverage, depending on your policy. Understand there are specific limitations on things like golf equipment, business equipment (computers), wine, and bicycles. Talk to us if you have concerns about any special gift this Christmas.



On the Sixth Day of Christmas My Insurance Adviser gave to me:

Six Trees A-Trimming

· Go with a real one (better for the environment) and keep it fresh and well-watered to avoid fire.

· Install it correctly, so kids or pets (cats) don’t topple it over.

· Don’t hide wires under area rugs or run them across the room – it creates a tripping hazard. Position the tree near an outlet and don’t overdo it on the lights. Give the lights enough slack to handle the odd tug.

· As pretty as it may be, keep the tree away from anything that produces heat (heaters, stove, candles).

· Keep a fire extinguisher handy and ensure everyone knows where it is and how to use it.

· Know when to say goodbye to that beautiful tree. Real Christmas trees are special, but keeping them around after they’ve dried out can be a fire hazard.




On The Seventh Day of Christmas My Insurance Adviser gave to me:

A Free Insurance Review – UPDATE, UPDATE, UPDATE!

It’s very important to keep your insurance adviser or insurance company updated with any changes to your insurable items. After Christmas it would be wise to take stock and update your contents insurance policy to account for any new and valuable items you may have received as a gift e.g. jewellery, electronics, artwork etc.


TIP: Insure valuable Christmas presents before they’re opened!


Should you purchase any valuable items as Christmas presents, make sure they’re added to your C