11 Dec We’re all going on a summer holiday
It is that time of year again and now with restrictions in place to combat the spread of COVID-19 this year, a lot of people will travel locally for the December holidays. Apart from ensuring you have a supply of reusable masks and hand sanitiser, you should consider travel insurance, checks on your car if travelling locally and also what to do for cross border travel.
Travel insurance covers those unexpected events and their financial impact. Consider what would happen if you need to cancel your trip or if you get sick or injured on your travels. It is also important to consider coverage for stolen luggage, a catastrophic or a terrorist attack.
Your TIC policy does not provide cover for cancellation, curtailment or extension costs and expenses arising as a result of a severe acute respiratory syndrome including and not limited to COVID-19. Any epidemic, pandemic or health emergency declared by the World Health Organisation. So it is imperative that you go through your policy inclusions and exclusions with your broker to fully understand your policy.
Remember that if you are going to be travelling overseas to check what your insurer will and will not cover whilst out of the country.
Going on a road trip
In the last week before you leave on your road trip here are a few things to check:
- Check that your tyres, including your spare, are in optimal condition.
- To ensure that your windscreen wipers work effectively in heavy rain, check that they are in good working order so that you can replace them if necessary.
- You will need to clean your windscreen of bugs, etc. while driving so make sure that your water bottle is not leaking.
- Also, check that your lights are working and if pulling a trailer check that they are also working.
- You can also check if your car is long-distance ready. Check with your dealer as they may have a free quick check service.
- Lastly, make sure that you have your tools and first aid kit in the car.
- If you are travelling across the border, check what the law requires in that country.
Before you leave
- Check your oil, water, tyre pressure and top up with petrol.
- Check your tyre pressure on your car and trailer. Remember that a full load has a different pressure to normal tyre pressure.
Crossing the border
- If you are going on holiday across any of the South African borders, you need to be aware of the rules and regulation that apply to that country. Not all are the same, so do your research. The consequence of not having suitable cover puts the driver at risk should the car get stolen or damaged outside of South Africa. The laws of some countries hold drivers financially accountable for damages.
- Check that your insurance covers cross-border travel. You may very well need additional cover such as off-road use, breakdowns, medical repatriation,
- A lot of documentation is needed such as the vehicle registration papers, your identity number on registration papers is the same as in your ID document and, if you are not the owner of the vehicle, you will need a letter of permission.
- When travelling further afield on the African continent, you may need a Carnet de Passages en Douane which is a document used to identify a travellers’ vehicle when going through customs.