Christmas is a magical time of the year. Where celebrations happen often and so it is very easy to get lost in the magic. This can make you forget about making sure you have the right cover. Burglars can see opportunity during this time of year. As many people go away and of course people buy their relatives items of value. This isn’t just the case for homes, there is also the risk of cars being broken into as well.
Home Insurance Advice
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This will go without saying but it is crucial to take precautions in your house. Make sure that windows and doors are closed and locked when you are away. Even if you have home contents insurance, the insurer could refuse to pay out if a burglar gained access through an open window, as you’d failed to take reasonable care of your belongings.
As Christmas is just around the corner, if you are going to put up Christmas lights you need to make sure that the if there is a cable that goes through a window that the window cannot be prized open from the outside.
Make sure to take care when disposing of branded boxes. You need to break them down as much as possible and put them in bin liners. You could potentially be advertising the contents of your house.
If you receive any particularly valuable items for Christmas it could be worth giving your insurer a call to check if your level of cover needs adjusting.
Car Insurance Advice
With all the shopping being such a handful it is likely that you will be doing these trips by car and this could mean that your car is filled with valuable gifts. Remember it is vital that you never leave these valuable items in plain sight if its unattended. This can be the perfect opportunity for thieves to break in to your car and take those items. Try and put as much as possible of it in the boot and if there is no more room, consider leaving purchases in the store until you are about to go home.
If valuables are taken from the boot a comprehensive car insurance policy may cover some of it to degree however it might not be enough if you expensive jewellery in the car.
If you have a home insurance policy with personal possessions cover, your gifts may be covered, but remember that the cover will have an overall limit. As well as a limit for how much you can claim per item – which may be less than the value of a gift. Limits vary from insurer to insurer, so check your policy documents and whether you’re covered outside the home.
To be on the safe side. Park your vehicle in an attended car park, with your gifts locked in the boot, and you won’t go far wrong.