Make sure your Christmas is covered

1 December 2008

Around 70,000 homes are at risk of being burgled over the festive season, according to Home Office statistics.

Make sure your home and presents are protected under your contents insurance.

1. Adequate cover

Many people assume their home contents insurance will automatically cover any new valuables, but it’s important to check with your provider or you could be left underinsured. If necessary, you could increase the value of the items your policy covers, but be aware that insurers will usually set a limit on single items so you may need to insure valuables separately.

2. Keep a record

All insurers require you to keep an accurate list of stolen items, so you will have to supply your provider with proof-of-purchase receipts. If you don’t have the original receipts, photos of the items, valuations prior to the loss, or credit or debit card statements will do.

3. Out of sight, out of mind

Don’t advertise your wares. Avoid placing your tree and gifts by a window if you don’t want to attract unwanted attention. You should also dispose of any packaging and receipts carefully.

4. Security is key

Make sure you have adequate security measures in place to protect your home from intruders. Home insurers will always require you to keep windows and doors locked, especially if you are out. If you go on holiday, make sure the property is not left unoccupied for more than 30 days. If your house is broken into, make sure you contact the police as soon as possible.

5. Prepare for the new year

Once the festive season is over, you may want to make a New Year’s resolution to reassess your contents insurance, taking into account the presents you’ve been given and purchases you’ve made in the January sales. You can find the top home and contents insurance policies on

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