In The Dark, But Covered

In The Dark, But Covered


Sponsored-Digitorial-Logo_green-logoYou know how it goes, just when you have your evening plans all laid out – dinner with friends, a cosy movie with your spouse after the kids have gone to sleep, finally catching up on your reading – the room turns dark.

We can all relate to the frustration of not being able to do the things that matter to us. Load shedding not only impacts our ability to do what we like; it can also damage our electronic equipment, resulting in unfortunate insurance claims.

Related: How To Keep Your Business Up And Running During Load Shedding

Because of load shedding, consumers are at a higher risk and may suffer damage to equipment brought on by power surges or loss of goods because of theft or burglary during blackouts. Therefore, consumers need to be proactive and speak to their broker or insurer to ensure they are adequately covered for the load shedding risks affecting them.

Don’t assume you’re covered

Coenraad De Jager, executive for personal lines at Mutual & Federal, notes that consumers should never assume they are adequately covered as the basic cover might not include specific risks related to load shedding.

“We are finding that consumers are generally unaware of what their cover includes or excludes; in some instances, additional cover may be required. In the case of load shedding, for example, the battery of the alarm system plays a major role and policyholders should ensure that their alarm system’s batteries are tested regularly to ensure that maximum protection is provided. Also, load shedding can dramatically reduce the lifespan of an alarm battery and, should the battery be older than one year, consumers should make the necessary arrangements to either replace or check the battery.”

When consumers are underinsured for certain load shedding risks and have not taken the necessary safety precautions, it could lead to further frustration when an insurance company is unable to settle a claim.

“When the load shedding period ends and electricity has returned, in most cases a power surge occurs due to a boost in the electrical charge in the power lines, increasing the current flow of electricity to the wall outlet. As a result, appliances and other electronic devices in households might short-circuit or malfunction. It’s therefore crucial for consumers to check the extent of their cover in respect of power surge incidents to ensure that they are adequately covered,” adds De Jager.

Sparing your electronics

De Jager advises that there are simple steps to take that may have lasting consequences with regard to load shedding risks. “Simple steps such as unplugging appliances not in use to minimise the chances of damage; installing surge protectors to prevent power surge damage; keeping refrigerator and freezer doors closed to keep frozen food safe from spoilage; regularly testing your alarm system; ensuring that electric fencing and gates still work during a blackout, or requesting more regular patrols and checks from your security company; go a long way in ensuring minimum exposure to load shedding risks,” he says.

Related: SME Survival Guide for Load Shedding

Load shedding is a reality that may affect us for the foreseeable future. Therefore, ensure that you and your loved ones are adequately covered for all the risks and are taking the right steps to safeguard your household.

Mutual and Federal
Mutual & Federal is the oldest short-term insurer in South Africa with a history that dates back more than 180 years. As one of the leading players in southern Africa’s short-term insurance landscape, we are justifiably proud of our tradition of service and quality, as well as our range of products – which are amongst the best on offer anywhere in South Africa. Visit for more information.