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Insuring a Festive Christmas& Happy New Year

December 21, 2016 Insurance No Comments Email Email

Christmas week is here, and it is officially the most popular time for holidaying Aussies to flyout for the festive season.As a result of this mass migration, airports, roads, hotels and campsites nationwide are set to see a massive influx of travellers and with this, an increased risk of holiday mishaps.

Claudio Saita, Deputy CEO and Executive Director in Australia for Tokio Marine, underwriters for World2Covertravel insurance, said that while the festive season should be a time of celebration, the chaos of last-minute preparations and end-of-year stress often lead to tales of commiseration.

“Australians are predicted to spend $9.77 billion on Christmas presents,making this period prime season for thefts.When travelling with various gifts, it’s worth noting the limit you may have on your travel insurance for individual items. It may be thatextra specialitems like a Swiss watch or MacBookrequire additional protection or should be covered under home and contents insurance to make sure you’re not left out of pocket should the worst happen.”

Flight delays are also likely to be experienced by those travelling to the Northern Hemisphere, as severe weather conditions are expected across the USA and Europe.

“A white Christmas isn’t always a good thing for travellers. Aussies visiting the US should expect a chilling winter, with plenty of rain and snow. This applies across the States, as bitter cold temperatures are even predicted to reach as far south as Florida and the Gulf Coast.Buying travel insurance as soon as you’ve booked your flights can help to protect against cancellations and delays.”

To help minimise the impact of potential misadventures, the team at World2Cover has five top tips for local holidaymakers heading away this summer:

  1. Leave early – It’s the oldest trick in the book, but Christmas falls on a Sunday meaning you can expect even more people than usual to be hitting the roads, train lines and airways this Friday evening. Be sure to give yourself plenty of time to make your flights and connections, as most travel insurance policies will not cover missed flights simply because of traffic.
  1. First in, best dressed –As it’s one of the busiest travel periods of the year, it’s not uncommon for accommodation providers and airlines to oversell spaces. Be sure to confirm your reservations and check in as early as possible to help protect you’rebooking. 

     3. Avoid the ‘silly’ part of the season –Partygoerscan get carried away with the Christmas spirit. Keep your wits about you when celebrating, don’t leave any personal items unattended– whether on the beach or at a bar seat – and make sure you know how to get back to your accommodation safely.Failure to take due care of your belongings can actually invalidate travel insurance coverage for any lost items.

  1. Pack with care – If you’re taking Santa’s presents with you, safely wrap and carry any fragile or valuable items, taking as many as possible in your carry on to avoid any tears come Christmas morning. 
  1. Hope for the best, prepare for the worst, even if you’re staying close to home –It’s important to be fully protected,even while travelling domestically. Unfortunately, there are still plenty of things that can go wrong on a local trip, including delays, cancellations, and lost or damaged luggage. Domestic cover can help protect against the impact of these potential nasty surprises, meaning you won’t be out of pocket during the already expensive holiday period.

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