Christmas is meant to be a time of goodwill for all men. Unfortunately, it doesn’t always work out that way. There are people in the world who target happiness and good fortune, in the same way that a cheetah targets an impala at a watering hole. The cosy warmth and twinkling lights of Christmas tend to leave us blind to the fact that there are bad people out there. It’s extremely important that your house and your belongings are covered by a suitable insurance policy during the festive period. It is naive to think that nothing could happen to that pile of toys and gadgets sat in the corner of your lounge, says MoneySupermarket.com expert Mark Hooson. Having comprehensive contents cover won’t stop your house from being targeted by thieves , but it will make the blow a little softer if it does happen.
It’s not only contents insurance that’s important. Flood insurance, vehicle insurance and home insurance policies all need to be up to date and valid. If you live in an area that’s prone to bad weather, or the winter is predicted to be a particularly severe one – you are advised to take out a comprehensive home insurance policy. It will cover you for myriad eventualities – everything from a burglary, to a burst pipe, flooding and storm damage.
Fortunately, it’s very easy to get hold of a good insurance policy, says MoneyWise.co.uk journalist Hannah Ricci. Companies like All Styles are often much more helpful than the bigger ones – they take more care, when it comes to moulding a policy to your lifestyle. The insurance experts at All Styles don’t make any judgements based on your hobbies, personality or previous transgressions. They are only concerned with making sure that your chosen policy is the right one for you.
When it comes to the festive period, one of the biggest risks is fire. It’s something that few people worry about, despite the fact that it’s the one time of year when almost every house is covered in candles and every electric socket is overloaded. Don’t make the mistake of taking the batteries out of your smoke alarm, just because the Mrs has burnt the turkey and you’re sick of hearing it go off during the Queen’s speech. If you want to keep your little ones safe, you’ll leave them well alone.
If a fire does break out and your family manages to escape the house safely, it’s going to be difficult to confront the damage done to your home and possessions. It’s going to almost impossible, if you know full well that you haven’t got an adequate home insurance policy. There is nobody to blame in this situation, nobody but yourself. As a homeowner, you are responsible for the safekeeping of your property. If you haven’t had the foresight to buy home or contents insurance, it’ll be you who has to foot the bill, says PolicyExpert.co.uk.
There’s simply no excuse for not being covered this Christmas period – not when it only takes five minutes and a modest down payment for the privilege of being protected all year round. Contents insurance is extremely cheap these days – chances are, you’ll only have to pay around £10 per month for a comprehensive policy. It’s a negligible amount when you compare it to the potential benefits. Don’t be caught short this Christmas. It’s time to put your policies in order, so that you can relax and enjoy the festive period with the people that you love.