Chuseok driving with a co-pilot? Sign up for the add-on rider the day before you leave

Anyone planning to share driving duties on the Chuseok holiday road trip must sign up for the temporary driver rider on their auto insurance policy no later than the day before departure. Those picking up short-term work at a warehouse or making deliveries during the holiday break — even for a single day — must notify their insurer of the job change to avoid having a claim denied. Toss Insurance, a general insurance agency, released a "Chuseok holiday lifestyle-based insurance guide" Thursday with these and other tips.

The company noted that people are spending the Chuseok holiday in increasingly varied ways — not just visiting their hometowns but also traveling abroad, resting alone or taking on short-term work — and organized the guide around those different profiles.

For those heading home to see family, the company said long-distance driving and the risk of leaving a home unattended are the two main concerns. Anyone stuck in holiday traffic and planning to share the wheel should make the temporary driver rider on their auto insurance policy their first priority. Because the rider takes effect at midnight on the day of enrollment, policyholders must complete sign-up by the day before departure to ensure coverage is active when they set off. Those who may need to drive someone else's car should also check whether their policy includes an "other vehicle driving" rider.

Anxiety about theft while away for several days can also be eased simply by confirming whether a household theft coverage rider is included in a fire insurance policy.

For those taking advantage of the long break to fly somewhere, reviewing overseas travel insurance should come first. Baggage loss and damage incidents are particularly common during the crowded holiday travel season due to airport congestion. Rather than simply hunting for the cheapest premium, travelers are advised to carefully check the limits on "portable property loss coverage," which compensates for lost or damaged personal belongings, and "flight delay compensation," which covers accommodation and meal costs arising from cancellations or delays caused by bad weather.

Those spending the holiday alone at home need to think about everyday risks. With more time spent indoors, it is worth checking whether a household liability rider is in place to cover situations such as water leaks that damage a downstairs neighbor's unit or other unexpected accidents in daily life.

Particularly important: anyone taking even a single day of short-term work at a logistics center or making deliveries during the busy holiday season must fulfill the "duty to notify" by informing their insurer of the change in occupation or duties. If a person is injured while doing work that carries a higher accident risk and has not given notice, the insurer may deny the claim or cancel the policy on grounds of a notification breach.

"As customers' lifestyles during the holidays become more diverse, a practical insurance review tailored to each person's own pattern is becoming necessary," a Toss Insurance official said. "We hope this guide helps people smartly secure the coverage that fits their situation and enjoy a safe and fulfilling holiday."