Safeguarding your home and valuables

South African insurers across the board typically see a rise in claims over the festive season, due to an increase in lifestyle and safety risks.

- OSWALD KUYLER

According to the South African Insurance Association (SAIA), the Easter and Christmas periods remain the two annual peak periods for motor insurance claims, while the latest data from Stats SA (2024/25) shows that about 1.5 million incidents of housebreaking occurred in the period (representing roughly 5.7% of all households in the country).But really, it should come as no surprise that December and January carry a higher-than-usual level of risk. Roads are busier as families clock long distances, often in hot weather, which increases the likelihood of accidents and breakdowns. Alcohol-related accidents also tend to increase. Necessities like a tyre pressure check and stopping to take a breather go out the window. Homes, meanwhile, are left standing empty while their owners are off in search of rest, making them softer targets.

Cybercriminal activity also spikes, with fraudsters using more sophisticated tactics to deceive unsuspecting consumers.