Home insurance Christmas risk warning

 

Every year Britons go out and spend big on festive goodies, but many do not realise the strain this places on their home insurance.

This Christmas UK residents are set to spend £11 billion on presents, decorations and seasonal food - some ten per cent more than last year, figures from More Than reveal.

And as well as adding a considerable amount to the value of home contents, this festive spending surge also makes homes more attractive to burglars and more at risk from accidents and fires.

Presents under the tree mean homeowners are 13 per cent more likely to be burgled in December than any other month of the year, More Than data shows.

Additionally, fires are more likely to occur, with candles adding to the festive spirit and plugs stuffed with plug-in Christmas lights and decorations.

This means that claims on home insurance become far more likely at the very time when people have contents worth more in their homes.

"We tend to splash out on presents and food at this time of the year and therefore have more valuable items in our homes," said Mike Holliday-Williams, managing director of More Than.

"This should be a happy time but opportunistic thieves do strike during the festive season, so it’s really important people make sure they are doing everything they can to prevent burglary or other disasters in their homes."

Homeowners should also check their home insurance policies to ensure they have enough cover over the Christmas period.

Some providers will also automatically increase the amount of cover available at this time of year.

 

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