Plan Ahead to Enjoy a Claim Free Christmas

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With Christmas just 8 weeks away, we are fast approaching the time when home insurance claims traditionally show a sharp increase. However, a few simple measures can make all the difference to help homeowners stay claim free.

Research suggests that there are two main risks around Christmas time – burglary and accidental damage.

During the festive period, accidental damage to fixtures and fittings in the home increases significantly. This can probably be attributed to the number of parties and family gatherings, with resulting damage to items such as sofas, carpets and glass. Fire and smoke damage is also commonplace at Christmas with causes including faulty fairy lights, candles and cigarettes.

Similarly, the week before Christmas, when most homes are stocked full of valuable presents, is the busiest ‘shopping time’ for burglars. This accounts for 35% of the monthly burglary total.

It’s important to check that you’re adequately insured for your home contents at any time, but especially at Christmas. Home Cover ( policyholders enjoy a 10% increase in their cover for contents at Christmas.

Graham Linney, Product Manager at explains: “We want our customers to enjoy a claim free Christmas but we automatically increase their protection during December by 10% just in case. A few simple precautions can make a big difference in minimising the likelihood of problems around the Christmas period.”

Home Cover ( has produced a guide to staying claim free this Christmas and advises all customers to run through this checklist:

  •     Check your Christmas lights before putting them on the tree. Replace bulbs that don’t work and make sure the wiring is in good condition.
  •     If you’re going away this Christmas, try to make your house look lived in. Ask a neighbor or a friend to visit and remove the post and, if possible, put the lights on a timer.
  •     Don’t leave presents under the tree if it’s visible by passers by.
  •     Make sure all out buildings and garages are secure – especially if you are intending to store presents there in the run up to Christmas or immediately after.
  •     Make sure your fridge and freezer are in good working order prior to stocking up at Christmas and that your freezer contents are covered by your home insurance policy.
  •     Avoid leaving Christmas gifts in a car and never leave them where they can be easily seen. Lock them in a boot if you have to leave them in a car. Be aware that car insurance is not as extensive as home contents insurance.
  •     Dispose of packaging for high value items discreetly after Christmas. Don’t advertise overtly the new additions to your household.
  •     And finally, avoid putting presents in black bin liners. They can all too easily find their way out with the rubbish before Christmas.

Home-Cover ( aims to provide consumers with excellent value household insurance at the lowest price possible. Home Cover ( provides high quality buildings insurance, home contents insurance or a combined buildings and contents insurance policy at an excellent price.


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Tim Lister
Home Cover
44 20 7422 1863
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