Could posting on social media whilst on Holiday affect your insurance cover?

Many of us are familiar with the temptation to share our experiences immediately with others, usually the easiest way we can – on social media. It is that time of year when many of us have or are about to jet off to sunnier climates with our family and friends, and this is when many people typically take the most photos, with many finding their way onto platforms like Facebook, Instagram and TikTok.

What people can forget is that posting updates and holiday photos – especially whilst still on holiday, not only tells your friends and family you’re having a great time but can alert burglars to the fact that you’re on holiday and your house is potentially empty.

Especially as posts can include where and when you posted your photo.

When you’re posting, consider who can see your content. Letting people know you’re away from your home can make you the target of burglars. As hard as it might be, consider not posting anything about your holiday at all until you’re back home.

What’s more, potential thieves in your destination could be watching your public posts to keep an eye on your movements. If you are posting updates, consider posting them after you’ve left a certain location. Certainly, never post anything about your accommodation while you’re still there, or about where you’ll be staying next!

Most people would assume that they are insured against theft and malicious damage, but in some cases, they may be leaving themselves exposed by a policy’s general conditions, particularly the ‘reasonable care’ or ‘duty of care’ condition. This states that you must take all reasonable precautions to prevent a loss.

The Financial Ombudsman (FOS), The Association of British Insurers (ABI) have issued warnings similar about posting on social media whilst away.

What precautions can you take to reduce the risk?

1. Keep your social media settings private, so only your friends and family can see them and ensure that posts are not shared or forwarded.
2. Ensure that only close friends and family have access. Carry out regular checks of your friends on social media and delete anyone you do not know.
3. Check your tagging settings and make sure you are not being automatically tagged, ensure your friends do the same. If you have ever tagged yourself at home, people can work out where you live.
4. Deactivate your location services. If this is active, then social media will post your location.
5. Finally, why not wait to share your photos until you are home.

Following these steps can ensure that there are no nasty surprises when you return home, and you have a memorable holiday for all the right reasons.