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Insurance tips

  • In case of a road accident

    Put your hazard lights on and stay in the vehicle.

    Seek emergency assistance if anyone is injured and park your car out of the way of traffic. Write an agreed statement of facts. Note the direction the vehicles were driving in, the speed they were travelling, and the road and weather conditions. Describe all damages and note the name, address and phone number of the other driver(s), as well as the model, make and license plate number of their vehicle, the name of their insurance company and their policy number. Report your accident to the police within 48 hours.

  • Using a cell phone while driving

    Using hand-held cell phones while driving is against the law. Choose a hands-free device and try to avoid unnecessary calls. Never dial, text or write while driving, and keep calls as short as possible. If you need to have a longer conversation, stop the car in a safe place. Let calls go to your voicemail in adverse driving conditions.

  • Vehicle tracking system

    A vehicle tracking system is an electronic device installed in a vehicle to allow the owner or a third party to track the vehicle’s location. Many use communications components such as cellular or satellite transmitters to communicate the vehicle’s location to a remote user. Unlike GPS systems, many vehicle tracking systems can transmit through walls, garages, buildings and even metal. Installing one in your car could lower your auto insurance premiums.

  • Swimming pools and hot tubs

    Home insurance policies don’t usually cover damage to above ground swimming pools. However, it is possible to purchase additional coverage to protect against certain risks depending on the age of the structure, pool cover and equipment. Damage caused to in-ground pools, and indoor and outdoor hot tubs, are covered. Note that certain conditions, limitations and exclusions apply.

  • Roofing

    Reduce the risk of leaks by making sure your shingles are in good condition and that none are missing. Make sure skylights and other openings in your roof are well sealed. Be on the lookout for anything unusual like thinned-out gravel, blisters and cracks. Roofs become increasingly vulnerable after 15 years. Make sure to give it a thorough inspection after storms or strong winds, and consult a specialist if you spot any problems.

  • Oil heating

    Check your oil tank regularly to avoid spills. Damage is not automatically covered by home insurance. It is possible, however, to insure damage caused by sudden/accidental leaks or spills from the tank or feeder pipes, as well as soil decontamination.

  • Gutters and drains

    For flat roofs, make sure that drains are cleared so water can drain properly. Make sure that there is enough gravel to cover the entire surface of the roof. Downspouts from gutters should direct water away from your house. If water stays too close to the foundations, you can direct it away with extensions or a splash pad. Gutters should be cleared twice a year.

  • Rain and watering

    Whenever you leave the house or the office, make sure you don’t leave your windows open more than 10cm (3 inches), and close them completely if you have a timed outdoor sprinkler system. Make sure the slope of your yard drives water away from your house to stop it building up and getting into your basement. You can avoid any problems by building a small embankment.

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