This atypical Christmas there are some things that remain a constant and one of them is that we are not exempt from having a leak at home, having a minor accident, suffering from food poisoning or injuring ourselves in a silly fall. Over the years, the insurance sector has issued statistics on the risks that occur more frequently during the holidays and which, in general terms, are similar to those we experience during the rest of the year.
A priori, the insurances that will have a major role on Christmas Eve 2020 and also during the rest of the holidays are: health, accidents, cars, home and cyber risks.
This year there are some special circumstances that can give prominence during nights like today to insurance that we have not associated with risks typical of the Christmas holidays. These are new risks that have been gaining prominence or services associated with other products that were already common these days, but which have incorporated new services adapting to the needs of the insured.
Risks Christmas Eve 2020
Cybercriminals never rest
Among the former, the risks related to cyber risks stand out. In a year as digital as this 2020, in which we have all completed an advanced master’s degree in the use of videoconferencing and messaging tools for both personal and professional reasons, the risks associated with viruses and hackers have grown exponentially.
It is difficult to calculate how many families will use videoconferencing today to eliminate the physical distances imposed by common sense and the rules to stop contagion by Covid. Nor do we know to what extent instant messaging and email will be used more than in other years to bring good wishes to acquaintances, friends and family.
What we do know is that the activity of cybercriminals does not stop before the Christmas spirit. Rather, the opposite happens and together with the congratulations we can also receive incredible offers that can hide a poisoned gift for the health of our device.
A video call to the doctor gives us guidance and peace of mind
Health, more protagonist
Permanent telephone attention
One of the lessons learned this year is that when we say that “Health is what matters” we mean much more than a cliché. Sensitivity about health care during this pandemic has grown a lot to the top of our concerns.
Health insurance has seen how the number of new insureds did not stop growing because of this hypersensitivity. Apart from the care through the network of hospitals and clinics offered by each policy, companies are making a great effort to bet on technological tools that provide continuous medical assistance to their clients. A telecall allows the insured to contact a doctor who can treat their symptoms and advise them on the steps to follow. Health insurance is one of those insurances that are used at this time but this year offers new solutions to its clients.
Leaks are the most common domestic incident during Christmas
The untimely leak
Home insurance is the one that accumulates the most incidence on these dates
Home Insurance is the one that experiences the most claims during these dates. According to data from the sector, corresponding to 2018, during the Christmas holidays 185,000 claims related to these policies were registered. Theft, domestic accidents, fires, but, above all, leaks and water leaks. The sector employer estimated 90,000 households that that year received the visit of the untimely leak at Christmas.
Another insurance to which work has traditionally accumulated at Christmas is that of the Author branch, that is, the one that insures vehicles. Returning to historical data, between December 24 and January 7 there are around 65,000 minor accidents. Claims in which there are no injuries and whose main consequence is a blow to the sheet metal of the vehicles involved. Everything indicates that this year there will be fewer accidents during the holiday period, as car use will plummet.
But the insurance that is being most affected in this 2020 of all those who had a time of great activity at this time, is travel insurance. The pandemic limits travel as much as possible and that dramatically affects the use of these policies that protect us against lost luggage, flight delays, and other mishaps that we may suffer during our vacations.
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