Travel Insurance and Credit Cards – what you need to know

Before your fly, check your travel insurance

It’s imperative for travellers to have a full understanding of their Travel Insurance Policies prior to heading off on their adventures.

Certain credit cards that have Travel Insurance Policies included as part of their offering sometimes have many limitations and exclusions that may cause heartache if not understood prior to departure.

There are many insurance products that are attached to credit cards that sometimes don’t provide adequate coverage. As travellers, we need to ensure that the coverage matches our expectations.

Some of the limitations of the credit card insurance policies don’t provide coverage for:

  • Terrorism related events
  • Certain international travel destinations

Certain policies are limited to provide coverage for medical expenses only and are often also priced accordingly.

Also, if you find yourself in a position where you need to make a travel claim here are some “tips” that may assist:

  • Get it down on paper – if you’re a victim of a flight or hotel cancellation or delay be sure to obtain written proof of such events from your airline and/or provider.
  • Keep receipts – Your insurer will require proof of payment/booking in order to settle your claim. Retaining boarding passes,

receipts or credit card statements further assist.

As always, contacting us, your broker, to advise of details of any potential claim with proof at your earliest opportunity will ensure prompt settlement of claims.

Further, by allowing us to view your existing coverage, prior to departure, will also allow for any “shortfalls or inadequacies” to be identified and the appropriate coverage obtained.

Don’t let the silly season get the better of you

Tips for keeping your home safe over Christmas

  1. Make your home less attractive to thieves.

Do this by investing in outdoor lighting and other visual deterrents such as alarms and CCTV cameras. If you are away for a period of time over the festive season, make it look like the house is still occupied.

  1. Check your alarm is in working order

Make sure your home alarm is in good working order prior to leaving for holidays.

  1. Protect your valuables

Never leave valuables in sight and consider investing in a safe for additional protection.

  1. Keep your presents safe

Expensive gifts on show under the tree are an invitation for burglars, as is any gift packaging left outside the home advertising any new and expensive items inside.

  1. Watch your posts on social media

Avoid publishing your holiday plans on social media.

  1. Position Christmas decorations strategically

Be aware of where you position your Christmas decorations, keeping in mind you want to ensure windows or doors are not obstructed.

  1. Leaving windows open

It may be warm and it’s tempting to keep the home open, but be aware of leaving windows and doors without security screens, open in empty rooms, especially if you are entertaining at the back of the house.

BREAK OUT: CHRISTMAS PARTY PLANNING

During the silly season there are plenty of things to think about, including if your office premises are safe and secure in the lead up to and during the holiday closure time.

The office Christmas party is always an opportunity to celebrate a successful year, but an important aspect to consider is the wellbeing of staff during Christmas parties.

Some things to consider include:

  • Health and safety of those attending
  • A clear end time
  • Do not endorse after parties
  • Ensure you have adequate insurance coverage
  • Alcohol – ensure there is RSA (Responsible Service of Alcohol) in place, particularly for a private party and ensure there are non-alcoholic options available
  • Consider transport options for staff to leave safely
  • Have a plan in place for any incidents
  • Review your office policies, particularly surrounding bullying, discrimination and adverse action and remind staff of these prior to the event.