外出度假期间的房屋和汽车保护提示

Travelling soon? While enjoying the excitement of packing bags and planning itineraries, it's easy to overlook some of the finer details of your home insurance policy. Understanding how to avoid potential gaps in your coverage during your getaway is an essential part of vacation planning. Since your home is probably your biggest investment, you'll want to ensure it's still financially protected against things like theft, vandalism, and water damage while you're away. Learn more about how your next vacation could impact your home insurance coverage.

• Leave a spare key with a trusted friend or neighbour.
  Have someone stop by your home daily to collect mail and flyers, to ensure that the heat inside your house is working during the cooler months, and verify that there's no damage to your property. 此人必须知道在紧急情况下如何与您取得联系。
• Set your thermostat.
  If you're going away in the winter, consider a programmable thermostat to keep a good temperature inside your home. 
• 大扫除并清点家中物品
  花些时间整理房屋，丢垃圾，浇花，安全保管/收起后院露天摆放的物品，如自行车、园艺设备和烤架。外出之前，请拍摄照片或视频记录家中物品。这是记录您财物的一种简便方式，以便您进行保险理赔。
• Have a plan for seasonal maintenance. Besides being a potential hazard, having snow build up on your property can be a tell-tale sign that no one's home. To help keep your house free from water leaks while you're away, make a plan for tackling snow removal and other seasonal maintenance tasks (like raking leaves) before you leave for your vacation.

You can be away from home as long as you'd like. However, depending on your insurance, you may need to have someone check on your home while you're gone to ensure there are no interruptions to your coverage. If you're a TD Insurance customer, you can login to My Insurance to review your policy details, or speak to a TD Insurance Advisor if you have any questions. Before you leave for a trip, it's important that you understand your policy to be sure there are no gaps in your home insurance coverage while you're away.

Your insurer may require your home and property to be checked regularly while you're away to confirm your eligibility for specific coverage, like water damage, stays intact. That's because if something happens to your home while you're on vacation, like a burst pipe for example, the resulting damage could be significantly worse if it's discovered days - or weeks - later. In addition, regular checks on your home can give the appearance that it's still occupied, which may reduce the risk of break-ins. Have a trusted friend or neighbour check your house daily while you're away to ensure that there are no potential issues or security concerns. Not only could this help guarantee that you're not returning to a big headache at home after a relaxing vacation, it'll also help to ensure that there are no gaps in your home policy coverage.

Yes! Whether you’re planning a quick weekend at the spa or an extended European cruise, you may want to consider the following before you kick back and relax.

• Invest in smart home monitoring. Connected home security cameras can help to deter crime and alert you to hazards at home. TD Insurance customers get additional home insurance savings for a monitored burglar, fire, or water alarm system.
• 切勿大肆宣告您的度假计划 While it's tempting to let the world know you're taking a well-deserved trip, keep in mind that sharing too much information on social media or in emails can alert potential thieves.
• Control your lights with smart plugs or timers. Have your lights turn on/off automatically while you’re away by programming your smart plugs or timers to make it look like someone's home. 打开百叶窗和窗帘，同时将贵重物品保存在隐蔽的位置。
• 拔下不使用的电子设备的插头，并准备好智能小工具 为免出现问题，请断开电视、电脑、音响系统和其他设备的电源；或将您的电子产品插入电涌防护装置。
• Not taking your car? Remove your personal documents from inside. Take any documents with personal information out of your car and store them in a safe spot in your home while you're away. Be sure to tuck the keys away somewhere out of sight - and don’t forget to put your documents back into your car upon your return.

动身前采取适当措施，为享受愉快假期做好充分准备。

If you plan on driving to your destination, consider the following to ensure your vehicle - and your insurance - can keep up with your travel plans.

• 熟知您的汽车保险 Read through your existing coverage to ensure that it provides everything you need to remain safely protected wherever you’re travelling. Keep in mind that if you have auto coverage from TD Insurance it's likely that you also have our Grand Touring option which provides coverage† for the rental of a replacement vehicle if you’re involved in an accident, or if your car is vandalized or stolen. You’re also covered† for loss or damage to a rental car anywhere in Canada or the US.
• Get road ready. 拜访您的汽车技师，确保按时进行重要的服务检查（例如轮胎、油压、制动器、液位）。如果您要为汽车接上挂车或拖车，请确保汽车和车内所有物品的安全。此外，提前在GPS或地图应用中下载目的地的地图。了解的信息越多，旅行时就越安心。

^†Conditions and restrictions may apply.须满足资格条件。