Winter Woes: Why Insurance Claims Spike in South Africa’s Cold Season

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When the days get shorter and the air takes on that familiar chill, we all start breaking out the blankets and heaters. But we’ve noticed something else that arrives with the cold: a spike in insurance claims. 

Every winter, claims for building, home contents and vehicle insurance tend to rise. So why does the cosy season bring increased mishaps? Let’s unpack the curious case of South African winters and what they mean for your cover. 

Building Blues: Roofs, Rains and Bursts 
Winter weather in South Africa is split down the middle. In Gauteng and beyond, we get dry, chilly days. In the Western Cape? It’s three months of cold fronts, downpours and howling winds. All that rain can turn a small roof leak into an indoor waterfall, while strong winds can send tiles and debris flying. Last year, intense winter storms around Cape Town caused flooding in over 35,000 homes — with roofs blown off, trees toppled, and streets transformed into rivers. It’s no surprise that building insurance claims rise sharply during the wet season. 

Elsewhere, the cold can still cause trouble. Freezing nights can crack roof tiles or burst pipes, especially in older homes. And when unexpected hail or snow makes an appearance, we see even more pressure on property. In short, winter puts your home’s structure to the test. A strong building insurance policy is key to weathering the storm. 

Contents at Risk: Fires, Blown Circuits and “Brrr-glars” 
Staying warm in winter means heaters, fireplaces and sometimes candles, all of which come with risk. Authorities warn that household fires and burn injuries rise in the colder months. Cape Town alone recorded over 900 residential fires during one winter season — many caused by unattended heat sources. 

Fires don’t just damage the structure, they destroy furniture, appliances, sentimental items, and everything in between. That’s where home contents insurance steps in. 

Another winter risk? Sudden power surges. Voltage spikes can fry appliances in an instant — from TVs and fridges to laptops and routers. It’s worth checking whether your contents policy includes cover for surge damage, and whether your electronics are protected. A surge protector is a small investment that can prevent a big “oops” later. 

It’s not just the elements we guard against – it’s also opportunistic thieves. Longer nights give burglars more cover to sneak around, earning them the chilly nickname “brrr-glars”. Dark gardens, open windows, and unlit driveways are common entry points. Outdoor items like gas bottles, tools or patio furniture also become easy targets.  Double-checking that your alarm is working and motion sensor lights are active can help. So can ensuring your contents policy reflects what’s in your home today — not what was there five years ago. 

Vehicle Trouble: Slippery Roads and Frosty Fenders 
Winter driving brings its own challenges: misty mornings, fogged-up windscreens and, in some areas, black ice. In the Cape, rain-slick roads are common. Upcountry, thick fog and early frost can turn a calm commute into a white-knuckle trip. 

Shorter daylight hours mean more of us are on the road in the dark — when accidents are statistically more likely. Even sun glare can become a factor during winter mornings and evenings, when the sun sits lower in the sky. Add to that cold-weather car issues like reduced tyre pressure or batteries that just won’t start, and it’s clear why motor insurance claims typically rise in winter.

The good news? Most of these issues are avoidable with a little prep. Check your tyres, brakes, and wipers early in the season. Drive cautiously in bad weather and make sure your policy includes the support you’d want on a cold roadside — like towing or car hire cover.

Stay Safe and Covered This Winter 
Our claims team knows winter tends to be busy — but a little preparation can go a long way. Servicing heaters, checking gutters, locking up early and being alert behind the wheel all help reduce the likelihood of having to claim.

Of course, even with the best planning, life happens. That’s why we’re here. Now’s a great time to review your policies, update your cover, and speak to us or your broker about any changes you’ve made to your home or vehicle setup. 

Ready to winter-proof your peace of mind? We’re here to help. Reach out to our team or your broker for a policy health check, and let’s make sure you’re fully covered for the frosty season ahead: https://www.brytesa.com/contact-us