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Insurance Make sure you have cover in case presents are pilfered
The Guardian
|December 07, 2024
Burglaries soar during the festive season, with new smartphones, jewellery, bikes and other gifts offering rich pickings for thieves.
So it's vital to know if you will be able to make a claim on your home contents insurance if you do fall victim to theft.
"It's important to check the terms and conditions of your home insurance policy to make sure any Christmas presents bought or received will be covered," says Alicia Hempsted, an insurance expert at the price comparison site MoneySuperMarket.
First, some good news: more than 80% of home insurance policies automatically increase your contents cover over Christmas (though they may not use the C-word in their policy wording), according to the financial information provider Defaqto.
Many policies include a "seasonal increase" or "special events cover" in the run-up to, during and after a religious festival or celebration such as a wedding or the birth of a child.
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