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Social Media – How posting about your holiday online could affect your insurance cover



Think Before You Post: Protect Your Home While on Holiday

As the holiday season approaches, many of us are preparing to jet off to sunnier climates to visit friends and family. This often means sharing our adventures online through platforms like Facebook, Instagram, or TikTok. You know the routine: tagging yourself in the departure lounge with a celebratory drink, posting photos of your hotel view, or checking into exotic locations. It all seems harmless, right? Unfortunately, this might not be the case.

While sharing holiday updates and photos online can be exciting, it can also inadvertently alert burglars that your house is unoccupied. This creates a window of opportunity for potential intruders, leaving your home vulnerable to theft or damage.


The Hidden Risk of Social Media Posts

Many people assume their home insurance will cover theft and malicious damage. However, you might unintentionally violate your insurance policy’s “reasonable care” or “duty of care” clauses, which require you to take precautions to prevent a loss. Insurers are increasingly rejecting claims when evidence suggests the homeowner advertised their absence on social media.

Even celebrities have fallen victim to such situations. For instance, footballer John Terry’s home was burgled after he shared on social media that he was away on a skiing holiday. This highlights how posting your holiday plans online can invite trouble.


How to Stay Safe While Sharing Online

You don’t need to stop posting about your holiday altogether, but it’s essential to exercise caution. Just as you wouldn’t hang a sign on your front door announcing you’re away, avoid broadcasting your absence online. Here are some practical safety tips:


1. Review Your Friends List

  • Remove anyone you don’t know well or don’t trust. This limits the audience who can see your posts.

2. Avoid Posting Home-Identifiable Content

  • Don’t share photos of your home, its interior, or any details that reveal your address or location.

3. Adjust Privacy Settings

  • Set your social media profiles to private and limit who can see your posts.

4. Remove Personal Details

  • Eliminate any information from your profile that could identify your home, such as house numbers, street names, or other location details.

5. Delay Posting

  • Consider uploading holiday photos and updates after you’ve returned home. This ensures your house isn’t empty when you’re sharing your adventures online.


A Final Word of Caution

Criminals are increasingly using social media to monitor their victims' movements. By being mindful of what you post and where you check-in, you can significantly reduce the risk of being targeted. Instead of sharing in real-time, opt for posting later when your home is secure.



Disclaimer: The content of this article is intended for general informational purposes only and does not constitute legal advice. We cannot accept responsibility for any loss resulting from actions or omissions taken based on this article.

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