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Winter Warnings

ARTICLE BY

  • San-Maré Van Zyl
  • Chief Operations Officer
  • MUA

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Winter is a season of elevated risk for clients, which also makes it a season of broker opportunity. Read on for ways to engage with clients during the cold season – helping them avoid unfortunate events and fostering a closer relationship.

As temperatures drop and winter takes hold across South Africa, insurance brokers find themselves at the intersection of increased seasonal risk and meaningful client engagement. The colder months bring a host of hazards – from slippery roads to heightened fire and storm risks.

Winter is not just a change in weather; it’s a change in exposure. Whether insuring high-net-worth homes, personal vehicles, or commercial portfolios, brokers have a critical role to play in advising clients on preventative measures and ensuring adequate policy coverage.

In regions like the Western Cape, winter is synonymous with heavy rainfall, damp conditions, and cold snaps. Inland areas may experience frost and even snow. These conditions present risks that are both predictable and preventable – if clients are properly informed and prepared.

Slippery roads caused by rain or morning frost increase the likelihood of motor vehicle accidents. Reduced daylight hours and poor visibility compound the risk. As a result, insurers often see a rise in motor-related claims during this season.

With more time spent indoors, the use of heating appliances – ranging from electric heaters to gas units and fireplaces – increases significantly. The risk of house fires follows suit. Add to this the impact of winter storms on roofing, drainage, and structures, and it becomes clear that homes are under greater strain in the colder months.

Reducing winter road risk

For personal lines clients, winter readiness begins with vehicle maintenance. Encourage clients to inspect their vehicles and address common issues that could lead to accidents or invalid claims.

Tyres: Confirm tyres are above the legal tread depth and in good condition to maintain traction on wet surfaces.

Batteries: Cold weather reduces battery efficiency. Test and replace if showing signs of wear.

Wiper blades & lights: Ensure full visibility and functioning lighting systems, especially during heavy rain or mist.

Fluid levels: Maintain proper levels of coolant, oil, and windscreen washer fluid.

Brakes: Have them tested regularly, particularly ahead of long drives or in wet conditions.

These preventative measures reduce the likelihood of accidents and, by extension, the volume and cost of claims.

Fire and storm mitigation for homeowners

Winter also marks a rise in home-related claims – particularly fires and water damage. Clients may not realise that neglected maintenance can impact the validity of a claim. This is where proactive advice makes all the difference.

Top fire safety tips for clients:

  • Avoid overloaded plug points: Too many devices on a single outlet increases fire risk.
  • Certified gas installations only: Gas heaters must be installed and serviced by professionals.
  • Switch off appliances: Do not leave devices on standby. Power surges during storms can start fires.
  • Fireplace maintenance: Chimneys should be cleaned and inspected before use. Always extinguish fires fully before bed and use a screen to block sparks.


Storm preparedness advice:

  • Clean gutters and downpipes: Prevent water build-up that can lead to leaks or ceiling collapses.
  • Secure loose items: Roof tiles, patio furniture, and tools should be properly secured or stored.
  • Trim trees: Remove dead or overhanging branches near buildings to avoid storm damage.
  • Inspect waterproofing: Leaks can take time to appear. Ensure roofs and window seals are in good repair.


Policy health checks

Winter is an ideal time for brokers to initiate a mid-year policy review. This not only strengthens the broker-client relationship, but can prevent costly disputes or delays at claims stage.


Encourage clients to:

  • Review their sum insured values, especially if renovations or asset purchases have taken place.
  • Understand exclusions and conditions, particularly around fire damage, power surges, or water ingress.
  • Check whether items like solar systems, generator units, or security upgrades are included in their cover.
  • Confirm that their vehicles are still covered adequately, especially if usage patterns have changed (for example, if they’re working remotely more often).


Commercial clients may also need to assess whether their business interruption or fire policies reflect updated operations or risk exposure during colder months.

Adding value beyond the policy

The seasonal risks of winter offer brokers a timely and relevant reason to connect with clients. Educational content, checklists, and policy reviews are not just good service – they are value adds that can help clients avoid claims, reduce loss severity, and build long-term trust.

Consider proactively reaching out with:

  • A winter readiness email or client bulletin
  • Short risk prevention checklists branded with your brokerage
  • Offers to review policies in light of recent purchases or property upgrades
  • Advice on emergency preparedness: who to call, what to do, and how to protect their assets


Not only does this demonstrate care, it reinforces your position as a trusted adviser – not just a policy facilitator.

Winter is a season of beauty, but also of elevated risk. For insurance brokers, it’s a prime time to engage, educate, and ensure clients are protected against the season’s challenges. A few simple steps today could prevent significant losses tomorrow.

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