Christmas is a wonderful time for present giving, with the average UK household spending a massive £473.83* on presents every festive season. But this also makes it a good time for burglars as well. This is because the value of your home contents goes up, making it a bigger incentive for opportunist criminals.
Burglary is an invasive and upsetting crime, so it’s important to make sure you don’t have the added financial stress of replacing all those gifts around the tree. Fortunately, it is common among general insurance providers to automatically provide extra cover at Christmas. Many standard home insurance policies increase their cover by around 10%**.
But some don’t do this as part of their standard policy, so it is worth checking with your insurer. You may also want to consider whether a house full of presents has exceeded the claim limit on your policy.
This could include high value single items such as the newest gadgets, which may be worth more than the maximum claim allowed on single items. It is well worth taking the time to find out from your insurer exactly how they support you over Christmas.
If you don’t yet have contents insurance, or simply want to discuss whether your existing policy is right for you, then we can work through your options. We want you to relax at Christmas and enjoy your holidays, without the added worry of being protected.
*Telegraph 2016 **Policy Expert
If you would like advice on taking out or reviewing your home insurance policy then speak to our adviser today!