Home Insurance – Seasonal Claims
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When you think about it, it’s obvious that, when it comes to burglary, there are times when the thief thinks your guard is down. Summer holidays, when you may be away and they can have a leisurely look through your belongings is one time. Summer evenings when the family may be around the barbecue – that’s an easy time to slip into your home too.
Another peak time, in that it’s not only the burglaries that cause problems, but claims from other damage to your property is likely to happen is bonfire night. Almost 3 million like to host their own bonfire party at home and if recent years are anything to go by, this will result in a high number of claims for damage, whether it is to people or to property. These will be caused by fireworks going astray and the average cost of each claim is more than 300 pounds.
Far be it from us to spoil your enjoyment of the evening, but are you sure you’re insurance cover is in place and do you actually know what you’re covered for? You should check too, whether or not you have cover for personal liability claims as, legally, you could be held responsible if a neighbour or visitor suffers an injury or damage to anything belonging to them. For a family and friends type bonfire party, where there’s no charge made for admission your normal household policy should be all the protection you need, but do check up. If you’re involved in any sort of fund-raising event you need to make certain that there is insurance in place to cover for any claims for damages. The main claims are for things like broken windows, damage to roof tiles and fences and maybe shattered greenhouses.
If you decide that an organised bonfire may be an easier option, don’t forget that, under cover of darkness and with sound of bangers and rockets going off everywhere, the thief has an ideal opportunity to break in to your home. Cars are vulnerable too, so take extra care to make sure they’re locked.
You can make your home look more lived in, at any time of the year, by leaving lights on after dark. A radio playing somewhere is a good idea too as well as closing the garage door even if you’re just nipping out for a pint of milk. If you’re going away, get a neighbour to collect your post and cancel any milk deliveries.
Hardly any burglaries are pre-planned and most thieves are just spur-of-the-moment opportunists. Make certain the expensive hi-fi equipment and televisions are not on full show, for all to see. Tell-tale signs that some-one has just popped out include open garage doors or windows so even if you’re only out for ten minutes or so, or have just gone to the neighbours for coffee, make sure you lock up securely. Window locks and burglar alarms will act as a deterrent.
A major insurer tell us that as far as burglary claims are concerned, the 5th of November – and a day or so either side – is the worst time of the year. It seems that claims then are up by 25 per cent compared to other days.
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