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Are you covered for Christmas?

Christina Hoghton
Written By:
Christina Hoghton
Posted:
Updated:
27/11/2015

Check if your home contents cover is boosted over the festive season to cover your purchases and gifts

Many of us spend a fortune over Christmas, treating family and friends, and maybe ourselves.

But with burglaries known to be higher than normal over the winter months, and more people out celebrating, your home is also left more vulnerable.

And at a time when your home is also full of more valuable contents than normal, including the extra food and drink, you need to ensure you have adequate cover should you fall foul of a burglar.

And it’s not just unwanted intruders that can lead to a claim, with insurers receiving thousands of claims for loss or damage to home contents in the run up to and after Christmas every year.

In fact, the most common claims are accidental damage, water leaks caused by pipes freezing and bursting, storm damage and then theft.

Boost your cover

But there is no need to dampen the Christmas spirit. Some home and contents providers will automatically boost your contents cover so that you are insured for any extra valuables if they are stolen or damaged.

For example, LV= home insurance increases your contents cover by 10% for a month before and a month after Christmas day, so you have peace of mind that you are adequately covered.

Other leading insurers offer a similar service, but not all, so it’s worth checking. Make sure that you don’t have to pay for the service, as the leading insurers boost your cover over Christmas for free.

Selwyn Fernandes, managing director of LV= home insurance, said: “Home insurance is often the last thing on your mind while you’re enjoying the festive season. However sometimes things do go wrong so it’s best to be prepared. With our free 10% increase in cover over the Christmas period we want to give our home contents customers the gift of ‘peace of mind’, should the worst happen at home this Christmas.”