Bonfire Night, Lots Of Bangs But Does Your Home Insurance Cover You?

Bonfire night is fast approaching but as well as lots of fun and bangs, there can be accidents – safety must come first and it’s best to make sure you have the insurance cover you need.

According to statistics from The BIS (Department for Business, Innovation & Skills), over 6,600 people are injured and treated for firework accidents each year, with half of these injuries happening to children under 16.

If any accidents occur on your property, you could be liable for a personal injury claim, and not having enough personal liability cover in place, could leave you severly out of pocket.

Julie Owens, head of home insurance at moneysupermarket.com, said “For those planning a fireworks party at home, it is essential to ensure your home insurance policy is up to date and that you have adequate personal liability cover.

In the event of an accident such as someone getting burnt on the bonfire, you could find yourself liable for any injury or damage if you are not covered by insurance.

In addition, you could find yourself facing a hefty payout. The same applies if you are at a friend’s party and are hurt by a firework, they will need to have adequate insurance to cover any injury.”

Britain’s number one comparison site warns consumers not to get burnt this year by failing to check small print of their home insurance policy. Most insurers will provide Brits with cover for personal liability to the tune of £2,000,000, however insurers can vary in the levels of cover they provide so checking the small print is crucial.

Remember too, bonfire night can be a frightening time for pets – t’s not a good time for pets with the worries of Halloween and chocolates at the end of October.

As Julie Owens adds “I would also advise pet owners to think carefully about ensuring their four-legged friends are protected from any potential dangers as the fireworks season kicks off.

This is arguably the most traumatic and dangerous time of year for animals, and owners should take steps to protect them.

Fireworks can cause distress, disorientation and panic, which can in turn lead to accidents and animals going astray. Often, insuring your pet is worth it for peace of mind alone.”

***************

Get FREE High Net Worth Home Insurance Advice

MoneyHighStreet has partnered with leading insurance broker, W B Baxter Insurance Brokers Ltd, to offer High Net Worth home insurance advice and products via a top quality service.

Contact Baxters for Free advice on your high net worth home insurance, understand what your requirements and best options are and as appropriate buy your insurance cover.