With the holidays just around the corner, many South Africans are starting to feel the festive cheer. But although this is a time for celebration, it also brings higher risks, including increased crime levels. Tarina Vlok, MD of Elite Risk Acceptances, a high-net-worth insurer and a subsidiary of Old Mutual Insure, shares her top tips for staying safe this festive season.

According to reports, crime rates on average increase by an estimated 20% to 30% during December and January. House break-ins also spike, with some data showing as much as a 48% increase in December alone when homes are left empty by holidaymakers.

“The jingle reminds us that ‘tis the season to be jolly as we approach our holiday gifting through shopping at stores or online, and many times, in search of the best deals. However, there are also some dangers that opportunists hope to capitalise on. With some awareness, you can reduce your risk of becoming a target,” says Vlok.

Insure your purchases

Vlok says that with many shoppers chasing year-end deals, it’s essential to think about the insurance implications.

Deloitte’s Holiday Retail Survey shows consumers are prioritising good value, with top spending categories including clothing and accessories (76%), electronics (56%), and toys and hobbies (52%).

Vlok cautions that buying items on special can inadvertently leave you underinsured. “If you pay R13,000 for a SMEG stove but its replacement value is R24,000, you may be underinsured if you claim,” she explains.

She recommends consumers to adjust their insurance cover over the holiday period. “If you buy R100,000 worth of appliances on Black Friday, you need to increase your household-contents insurance by the same amount,” she says.

It’s also best practice to notify your insurer or broker of any high-value purchases and to provide invoices. “Clients often call to say they’ve bought an expensive dining-room table or an engagement ring and need extra cover,” she comments. “That way, if there’s a break-in or theft, they’re not out of pocket.”

Be cautious when shopping

Extra caution is needed when shopping, especially as criminals take advantage of busy malls and distracted customers. “When you park your car, make sure it’s locked. Even if it sounds simple, you’d be surprised to know how many consumers don’t realise they have left them exposed,” urges Vlok. “Check your door handle to ensure you haven’t been remote-jammed.”

She also recommends placing all purchases in the boot: “Don’t advertise what you’ve bought by leaving bags on the back seat. And remember, if someone breaks in and the items were visible, you may have a challenging time to claim back from your insurer.”

The Deloitte Holiday survey also finds that Gen Z is turning to social-media influencers and ChatGPT for gift inspiration. With this in mind, Vlok warns against oversharing online. “Avoid posting pictures of new valuables like a Rolex on Instagram,” she cautions. “And never geotag your location – criminals can use that information to track you.”

House and car tips

For homeowners travelling these holidays, ensure your alarm is working and activated before you leave. “If your area has heavy summer rain, clean your gutters before going away,” says Vlok.

Holidaymakers driving long distances should have their car serviced and check tyre treads. Vlok also emphasises road safety basics: “Don’t look at your phone while driving and stop regularly to stretch your legs.”

If you’re attending a function and expect to overindulge, arrange safe transport home. “Many insurers may offer a ‘drive me home safely’ service for big nights out; it is a good idea to check with your insurer and take advantage of the service,” she adds.

Taking a few simple precautions goes a long way towards a stress-free holiday. “Safeguarding your home, car and valuables ensures a safer and more enjoyable festive season,” Vlok concludes. “Then you can focus on what truly matters – spending quality time with loved ones.”

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