How to ensure a stress-free and secure holiday

The last thing you want while you're on leave is a nasty insurance surprise. Whether you have a vehicle breakdown or a home break-in, here's how to ensure a hassle-free holiday.

Your home checklist

Before setting off - or settling in for that long-weekend marathon series binge - here are some safety pointers to keep in mind.

• Check your security system works
  It's always a good idea to regularly check that your security system, such as an alarm, panic buttons, motion sensors, CCTV cameras, and electric fence are working as they should.
  
  It's easy to test alarms and panic buttons - just let your provider know beforehand. Don't forget to cut back any plants or trees that may interfere with your fence's functioning. If you'll be away, leave an emergency contact number with your security company so they can get hold of you, if needed.
   
• Store away valuables
  If you need to, it's a good idea to place any valuable items in a safer place within your home. For example, store your jewellery in a locked safe. If you want to, you can even keep specific valuables in an alternative location for safekeeping while your home is unoccupied.
  
  Remember to store important documents like proof of ownership and valuation certifications in your Online Vault . If you have a claim, Discovery Insure can directly access these documents on your behalf, simplifying the claims process.
   
• Unplug appliances
  While you are away, there may be a power surge in your area due to loadshedding or a power outage. To avoid damage to appliances, it is best to unplug items such as televisions, kettles, coffee makers, and sound systems that are not in use.
  
  Don't forget that Discovery Insure's Essential and Classic plans with building or household contents cover offer embedded power surge cover* up to a specified amount, while the Purple Plan includes cover for the full amount insured.
   
• Minimise signs that you are away
  Make sure that your property does not look like it is unoccupied while you're away. You should arrange with a trusted friend or neighbour to check your property and collect any pamphlets in your post box. Don't close your curtains and consider using a time-switch to turn your lights on at random times in the evening.
   
• Get unsocial
  It's highly advisable not to post specific details of your travel plans or itinerary on social media platforms. Sharing this information makes it easier for opportunistic criminals to track your movements, which leaves your home more susceptible to a potential break-in while you are away.
   

Taking a road trip?

If you're going by car to your getaway destination, it's important to check that your insurance plan is up to date and meets your needs. You should consider the following:

• Are the primary and additional drivers up to date ?
• Do you know how much excess you'll pay if you have an accident, or your car is stolen?
• Does your plan include roadside assistance and car hire, in case you break down?

Plus, Vitality Drive members should make sure they bring their Vitality Drive card along for the ride. Remember to swipe your card when you fill up at any Shell or bp for fuel cash back.

With a little preparation and the right cover in place, you can enjoy your break with total peace of mind - whether you're on the road or relaxing at home. Stay safe, stay covered, and make the most of your time off.

To find out more, call us on 0860 751 751 or speak to your financial adviser today.