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Avoid holiday insurance disasters. Here's how.

This year has been extremely tough for all of us. Covid, loadshedding, lockdown, the rising cost of living and the generally depressing state of affairs in South Africa has taken a mental and emotional toll on us. We are all in need of some rest and relaxation.


To all of our valued clients, we wish you a safe, relaxing and blessed holiday and a peaceful festive season. And for those of you who are planning to travel, please be safe on the roads. Allow extra time for journeys, take lots of rest stops and most of all, look out for the other drivers.


Before you leave home, here are some critical holiday tips to ensure that your insurance is ready for the holidays:


Save your insurer’s 24 hour emergency call centre number to your phone:


  • A-Sure Assist/Hollard – 0861 777 074

  • Bryte – 086 000 1121

  • Discovery – 0860 999 911

  • Hollard Commercial – 0860 038 262

  • Momentum Short-term Insurance – 086 000 6784

  • Old Mutual Insure (OMI) – 0860 247 365

  • Renasa – 0102713098

  • Santam – 0860 505 911

  • ONE Insurance – 0870 660 286


Make sure that your hobby/sporting/other valuables that you’re taking with you, are correctly specified on your policy. For example, scuba gear, photography equipment, outdoor equipment or expensive clothing. Talk to me urgently about adding these items to your portable possessions section of your policy for the duration of your trip.


Prepare your car and home for your holiday. If you’re going away on holiday, switch off your geyser and physically unplug any non-essential plugs. Test your alarm! Ensure the connection to your armed response provider’s call centre is working. A faulty alarm can be grounds for a claim to be rejected in certain circumstances. Please don’t let that happen to you. If you’re going to be driving, please ensure that your car is properly serviced and sufficiently fueled for the distance you’ll be driving.


Make sure that your December premium gets paid! This sounds like a silly thing to say but please, make sure there’s enough money in your account to fund your insurance debit order. If the debit order bounces/fails, your cover will automatically stop. I’ve seen it happen to a client, with disastrous consequences. Please don’t let it happen to you.

 

Need to claim? Here’s what to do:

Send an email to: claims@optimumgroup.co.za with all of the details and you will be assisted by the Optimum team.


Want to make changes to a policy or have any other queries during the holidays?

Send an email to: underwriting@optimumgroup.co.za and you’ll be professionally assisted by the team.


See you in the new year!


Stephan Kruis

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