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Consider these tips to keep your home safe when you’re away

Going away from home for your vacation? Whether going on a short break or a long visit overseas, you should ensure that your home is in good condition while you are away.  Here are some useful tips to consider before you leave to keep your home safe:

Check for fire hazards

People can sometimes be absent-minded when in a holiday mode, but always double check your house before you leave. A 10- minute thorough check can make all the difference in preventing fire incidences. Faulty electrical appliances are common causes of fire in the house.

  • Unplug unessential electrical appliances from the socket, especially TVs, laptops, microwaves, iron, washing machines, kettles, lamps, phone chargers and other devices which do not require electricity.
  • Turn off your LPG cylinder.
  • Although not necessarily a fire hazard, but a financial one – check that you have switched off all lights before leaving.

Flood-proof the house

Coming back from a great holiday to a flooded home is a costly nightmare you want to avoid. Water damage can affect your walls, furniture and can leave a lingering damp smell in the house.

  • Turn off the water outlet connecting to your washing machine.
  • Inspect your water pipes and water tank before leaving.
  • If you are certain there might be heavy rainfall, sandbag doorways and entrances.
  • Clear the drainage close to your home.
  • Double check that you have turned off all taps.

Keep your house safe from burglary

Unfortunately, once you leave your home for a period of time, your house can become a target for burglary. There are simple things you can do to keep your house safe, as well as long term ones.

  • Install a security system in your home, along with burglars bars.
  • Ask a close family or friend to house sit for you.
  • Inform a trusted neighbour of your absence and kindly ask if they can keep an eye out for you.
  • Lock all your doors and ensure all windows are closed.
  • Fix any loose locks or windows before leaving.

Your house is your most important asset. While you fly off for a well-deserved break, make sure your home insurance is up-to-date. If you don’t have one, call us on 429 5000 or send an email to info@sacos.sc for more information.

Traveling to South Africa, Mauritius or any country in Africa? What you should know

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If you’re traveling to Africa this holiday season, here is what you should know:

  • The most amazing wildlife

Going on a safari is one of the great must-dos if you are traveling to countries such as Tanzania and Kenya. Who needs zoos when you can observe these magnificent creatures in their natural habitat. Be sure to follow the advice of locally certified guides when visiting national parks. Most importantly, be extremely cautious and respectful of wildlife. Take pictures from a safe distance.

  • Beautiful landscapes

Some of the most unique and beautiful landscapes can be found in Africa, especially in countries like Madagascar and Zambia. There is no doubt that nature’s stunning creations will leave you jaw-dropped. Research areas carefully before visiting and make sure you wear comfortable and appropriate footwear for your visit. Be sure to travel in groups and use licensed operators for sightseeing.

  • Great shopping experience

Most people from Seychelles travel to countries like South Africa or Mauritius for a broader shopping experience than what is available locally. Aside from the various malls, there are other natural local shopping areas that will provide you with a taste of the local culture. Nonetheless, always be mindful of your belongings in crowded areas and avoid going to remote areas you are not familiar with.

  • Illness, injury or any other medical assistance

Many Most countries do not provide free health care service to visitors. If you fall sick or are injured in an accident whilst overseas, you will have to bear the full cost of the medical expense. While health care is free in Seychelles, it does not extend to bills you incur while you are traveling. In some cases, hospitals may refuse to treat you if you do not have insurance, even when you have suffered significant injuries. This is extremely risky and can lead to fatal outcomes if you do not receive urgent medical assistance because you are uninsured.

Travel Insurance – Africa plan

Your Travel Insurance – Africa plan provides you with coverage for your medical expense and hospitalisation abroad (in an African country) from EUR10,000 to EUR50,000. If you are hospitalised for more than five days, we will cover the travel expense for one immediate family member to be by your side during your hospital stay.

In the event of the death of a close family member, we will cover the cost of your emergency return home. Should you unfortunately come to your passing whilst on your overseas trip, we will cover the expense of repatriating your mortal remains home. This will spare your family from the financial burden of bringing your body back to Seychelles. In addition, we provide you with coverage if your luggage or passport is lost or stolen and offer 24 hour personal assistance service.

Traveling to African countries is no more risky than traveling to anywhere else in the world. It is your individual responsibility to ensure you remain safe and you observe local norms and safety tips. However, accidents and mishaps can happen anywhere at any time, including in Africa – which is why Sacos is here for you when it does happen.

Contact us for more information on the Travel Insurance – Africa plan at info@sacos.sc or on 429 5000, or you can visit us at any one of our branches.

 

 

Worldwide Plus Travel Insurance – get fully covered during your next big getaway

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Traveling to America, remote places around the world, or multiple destinations? The Worldwide Plus Travel Insurance is the best travel insurance plan to cover all your unexpected needs during your next big getaway.

The Worldwide Plus is more or less similar to other travel insurance plans, except for some critical differences.

  • Higher medical coverage

It provides you with up to USD100,000 coverage for medical expenses, hospitalisation and repatriation. Hospitalisation can be quite costly depending on where you have traveled to. A higher medical coverage will ensure that your financial expenses are sufficiently covered should you fall sick or are injured while overseas.

  • Coverage for anywhere in the world

It provides coverage for most of the countries in the world. Whereas our other plans are dependent on the region you are visiting, the Worldwide Plus Travel Insurance plan is not limited to any particular region. It is ideally suited for multi-journey trips. Nevertheless, there are certain exceptions that may apply and it is best to discuss with your broker or one of our officers on these exceptions before you purchase your insurance.

  • Covers loss, delays and curtailment

Many people plan their trips well in advance and opt for non-refundable options for a better bargain. However, due to unforeseen circumstances (illness, a death in the family or any unforeseen reason), plans may end up being cancelled ahead of the trip. For this reason, the Worldwide Plus provides coverage for curtailment, ensuring that you are able to recoup the majority of your expenses already paid. In addition, it provides you with coverage for expenses incurred as a result of loss and delays.

So, there you go. Travel with peace of mind and comfort. If you are planning for your next big getaway, contact us for more information on the Worldwide Plus Travel Insurance.

Traveling this August? Don’t forget your travel insurance!

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By now, you must already have sorted out your vacation plans! Wherever, your destination may be, don’t forget to stop by our office to get your travel insurance!

Don’t let a great vacation plan be completely ruined by unfortunate accidents and mishaps. For your peace of mind, get your travel insurance today.

We have various insurance plans designed to cater to your chosen destination. Our plans include the following:

  • Medical expense and hospitalisation abroad
  • Travel of one immediate family member if you are hospitalised abroad for more than five days
  • Emergency return home following the death of a close relative
  • Repatriation of mortal remains
  • Loss of passport and luggage
  • Delays and curtailment
  • 24 hours personal assistance service

You’re also in luck because we have the Great Travel Giveaway promotion running at the moment and you can stand the chance to win a trip to South Africa, among other cool prizes!

For more information on travel insurance, send an email to info@sacos.sc, call us on 429 5000 or visit any one of our branches.

Building Policy – An insurance for your house

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You may still be mulling over whether to insure your house or not. You may be thinking that it is just an additional and unnecessary expense that you have to make. If you truly care about your comfort and stability however, there is no question that your first priority should be to protect one of the most important assets in your life – your house!

Let this extreme weather be a reminder that nature is unforgiving and does not discriminate over your struggles when it decides to hit. Thankfully this is what insurance was designed for – a security blanket against unforeseen circumstances, a protection against financial ruin and an assurance that all is not lost after disaster has struck.

Here is what your building policy can do for you:

  • Provide you with compensation should you suffer damage to or loss of your home
  • Cover the permanent fixtures in your home, including bathroom, fitted wardrobes, kitchens, bricks and mortars etc.
  • Protect you against the risk of flood, tempest, storm, fire, lightening, explosion, burglary, theft, housebreaking, larceny, aircraft and other aerial devices dropped, bursting or overflowing water, vehicle impact, malicious damage and accidental breakage .
  • Indemnify you against injury to third parties inside your home.

It is an easy choice to make. Here is what you should no next:

If you are worried about the cost of the insurance, remember that the annual premium you pay is assessed based on the evaluated worth of your home. Remember, underinsurance can be just as bad as no insurance coverage!

Content insurance for apartments

Many tenants and apartment owners believe that getting a household insurance is not a necessity as the structure of the building does not belong to them. Only if life was ever that simple.

Sadly, fires, floods and thieves do not discriminate on the ownership of the building structure. The contents of the apartment belonging to the tenant or the apartment owner will still be damaged or destroyed in a fire or flood. And thieves are even less likely to try and steal kitchen fixtures!

Undoubtedly therefore, you would need contents insurance to protect your personal items from these unforeseen events. The home content insurance protects high value items in your household.

These include:

  • Electronics such as TV, washing machine, fridge, oven, computer, stereo system etc.
  • Furniture such as sofa sets, beds, dining room furniture, detached wardrobe etc.
  • High value jewellery such as wedding rings, watches, necklaces, earrings etc.

When purchasing a home content insurance, a designated evaluator will help to evaluate the worth of the contents of your home.  The total coverage of your content insurance will be based on the estimated value derived by the evaluator.

It is important to note that the home content insurance does not cover natural wear and tear and accidental breakage of your household contents.

Contact us for more information on the home content insurance.

 

Tips for exam preparation

No matter which year you are in or the type of studies you have are undertaking, exam period is one of the most stressful time of life. Thankfully, with good exam preparation, you can manage some of the stress of exams.

You cannot be too prepared for exams, so congratulations if you are one of those the few who have been preparing since Day One. For everyone else, the clock is ticking down and a good time to start your exam preparation is at least a month before they are due.

A month before exam

What to do?

  • Revisit concepts you learnt since the term/semester started
  • Understand how to use these concepts and why you need to use them
  • Talk to your teachers/lecturers about topics you have some difficulty grasping
  • Do some research online for additional clarity; video tutorials can help
  • Schedule study time for consistency and habit
  • Purchase or borrow study books with exam-like questions and answers
  • Form study groups and help each other out

Two weeks before exams

What to do?

  • Practice past papers (at least the last 3 years)
  • Identify your topic strengths and focus on them
  • Some questions or formats are always likely to come up, identify the pattern
  • By now you should be studying everyday, with regular breaks in between
  • Your study hours should also be higher than the norm
  • Study to understand, not to memorise
  • Avoid distractions and put an immediate end to your procrastination habits!

One week before exam

What to do?

  • Morning, afternoon or evening person? Find out what times works best for you
  • Hands down, early morning is the best time to study after a good night’s sleep
  • Continue practicing past papers
  • Keep getting wrong answers? Try again until you get it right
  • Unsure about certain topics, ask for help from teachers and classmates
  • Ask your teachers for tips on how to score higher
  • All else fail, memorise! Write down your notes for better results

Exam week

What to do?

  • Do not stress, be calm and tackle your papers one exam at a time
  • Take breaks in between studying, especially before the next exam starts
  • Have two exams on the same day? Study for them on different days
  • Stay focused and concentrate
  • Eat well and get a decent amount of sleep every night

After exam

What to do?

  • Relax and don’t stress, the worse is over. Except for your result… which you cannot do anything about – so just relax and don’t stress.