Driving Home for Christmas: Auto Insurance Tips for the Holiday Commute with RBS Insurance Brokers

The festive season in South Africa is synonymous with long drives home, road trips with friends and family, and last-minute dashes to the shops. It’s a time when our roads become busier, the risk of accidents spikes, and the need for robust auto insurance becomes more pronounced. Risk Benefit Solutions Insurance Brokers (RBS) ensures that your holiday commute is as safe and stress-free as possible with the following auto insurance tips.

Review Your Auto Insurance Policy

Before embarking on your holiday journey, reviewing your auto insurance policy is crucial. Ensure that your coverage is up to date and that you understand the extent of your coverage. Check for any exclusions or limitations, particularly if you plan to travel across borders or remote areas. RBS can assist in evaluating your current policy and suggest any additional coverage that may be beneficial, such as roadside assistance or car rental inclusions.

If you’re travelling with any gadgets, sporting equipment or jewellery, please ensure the All Risk section is updated and has the replacement values. Clients generally believe these items are automatically covered under Contents even whilst away from the risk address.

Increase Your Liability Coverage

The festive season often sees an increase in vehicles on the road, which correlates with a higher likelihood of accidents. RBS recommends increasing your liability coverage for the holiday season to protect yourself against potential claims arising from accidents where you are at fault.

Plan for the Unexpected

Breakdowns can happen at the most inconvenient times. Ensure that your auto insurance includes comprehensive roadside assistance. This service can be a lifesaver if you are stranded due to a mechanical failure or other issues. Check that the coverage extends to all areas you plan to travel through and understand the process for calling for assistance.

Secure Your Vehicle Against Theft

The holidays can also see a rise in vehicle thefts and break-ins. RBS advises taking extra precautions to secure your vehicle. Use steering locks, park in secure, well-lit areas, and never leave valuables visible in your car. Additionally, check that your auto insurance policy covers theft and that you know the requirements to make a claim, such as police report filings.

Mind the Weather

South Africa’s weather can be unpredictable, and adverse conditions can lead to accidents. Ensure your vehicle is equipped for the journey with proper tires, brakes, and windshield wipers. Comprehensive auto insurance should cover weather-related damage, but it’s always best to avoid the risk in the first place.

Avoid Underinsurance

Underinsurance can be a significant issue if you’re involved in an accident. The value of your vehicle may have depreciated since you last updated your policy, or you may have made modifications to your car that need to be reflected in your coverage. RBS automatically ensures that your vehicle’s insured value is current so that you won’t be left out of pocket in case of a claim. But if you have added third-party items like roof storage, ensure your policy is updated.  


Due to the increase in car high jackings and theft, several insurance underwriters have specified trackers and multiple trackers in certain vehicle types. Make sure you are aware of this and that your tracker is working correctly by calling your provider.

Keep Emergency Contacts Handy

In case of an emergency, have all necessary contact information readily available. This includes your insurance broker, auto insurance claim line, roadside assistance, and emergency services. RBS Insurance Brokers provides clients with a comprehensive list of contacts for quick access when needed. As a RBS client, you can access our 247 365 emergency call centre to assist you.

Safe Driving Practices

Lastly, RBS advocates for safe driving practices. Obey speed limits, avoid driving under the influence, and ensure you are well-rested before long drives. Not only do these practices keep you and your loved ones safe, but they also prevent situations that could lead to insurance claims.

The journey home for Christmas should be filled with anticipation and joy, not concern over potential auto issues. With the proper preparation and a comprehensive auto insurance policy through RBS, you can drive confidently, knowing you are well-protected. Contact RBS Insurance Brokers today to review and update your policy, and let us help you make your holiday commute as merry and secure as the festive season itself.

About RBS

Risk Benefit Solutions, better known as RBS, originated as an entrepreneurial-focused services business in 1998 and today is one of the largest fully-fledged black-owned insurance brokers in South Africa and a Level One BBBEE contributor. Celebrating 25 years in business this year, our growth has contributed to offering clients a unique approach to risk management by positioning our skilled resources as an extension of our client’s risk management team.  Our company covers various services, including Insurance Broking, Risk Management, Commercial and Corporate Risk Advisors, and Corporate Vehicle Hire Services. With its head office in Cape Town, RBS has offices in Gauteng, the Eastern Cape and globally, represented through its board membership with WING (Worldwide Insurance Network Group).