With school finishing up and the long Christmas holidays now fast approaching, everyone has shifted up a gear to get everything organised for “The Big Day” in time. The imminent arrival of long lost relies at the house for big family get togethers spurs everyone into a spring cleaning frenzy – water blasting decks, houses and patios, pruning trees, cleaning carpets, climbing up ladders to fix the roof or put up Christmas lights, rushing off to the shops every five minutes and battling the crowds for never-ending last-minute gifts, festive food and more booze. It never stops!
Phew! No wonder it’s called the silly season – we all go crazy! Can be exhausting and stressful to get it all done in time, whilst fitting in all the office parties and other social gatherings along the way. Makes your head spin. And if we’re not having Christmas at home, there’s a mad scramble to get a huge pile of stuff we probably don’t need crammed into the SUV with piles of ratty kids and dogs to drive for miles along crammed highways full of frustrated hot drivers to get out of the big smoke and off to the beach house to finally …. RELAX!
It’s so great when you eventually get there and you can blob in a hammock and read in peace, whilst sipping cocktails in the sun ….
But wait, before you get there – have you remembered everything? Have you checked the tyres are OK for the long drive? Rego and warrant up to date? Stopped the Herald while you are away? Organised the neighbours to feed the cat and water the plants?
All done? Good stuff, people!
What about your insurance? Is that up to date? Don’t think you can put it off till next year – it’s not called the silly season for nothing. Unsurprisingly, injuries due to new toys and too much Christmas cheer have resulted in Christmas insurance claims almost doubling in the past decade. Injuries around New Year’s are even worse! ACC figures show “loss of personal control” is the most claimed for category over the New Year period. The second-most claimed for category is carrying/lifting strains or being knocked over by an object, struck by a person or animal, or slipping over. Are your income and possessions properly covered if the worst happens and turns what should be a happy time of year into a nightmare?
Also, ACC is a great insurance, but it doesn’t cover everything (such as a heart attack or stroke from the stress of your mother-in-law turning up to stay for four weeks!). There are a full range of insurance products out there to help cover you for any eventuality, so talk to us to see how we can best cover you.
Are you paying too much in ACC levies?
On a side note, if you are self-employed, are you aware that you may be paying too much for your ACC levies if you are languishing on their default plan? Swapping to CoverPlus Extra allows you to nominate the amount of cover instead of it being based on your taxable income. Using the savings you can make by doing this, you can then obtain extra private income protection to cover you for a much wider range of problems to include accidents AND illnesses. As insurance experts, we are here to help guide you through this process so you can have peace of mind, knowing you are fully covered, rather than just for accidents.
So, let’s all get ready to hang up our stockings and eat, drink and be merry – but don’t put off your insurance review until next year. You could end up regretting it if statistics are anything to go by.
Merry Christmas everyone, slow down and have a great week!