Best Insurance Advices

It’s that time of year again: the sun is shining (intermittently), the temperature is rising (and promptly falling again) and there is the shriek of happy (or cranky) children everywhere you go. Yes, it can only mean one thing: it’s the summer holidays. While your thoughts might immediately go to how you can keep the little ones occupied over the long break, something that might not be immediately obvious is the potential impact this could have your chances of making a home insurance claim.

Research has shown that claims on home insurance, which is made up of building insurance and contents insurance, tend to go up over the summer period. In fact, compared with the rest of the year, it is thought that home insurance claims are 10% more likely over the summer.

Claims peak over the August bank holiday weekend and, as you might have already guessed, most of the damage detailed in the claims is caused by either children or animals. A couple of years ago, the average amount this damage was worth was ?550, and common escapades that led to making a claim included: damaged spectacles; spilt drinks; damage to electrical equipment.

The number of claims for broken windows goes up during the summer months, too, largely due to balls being enthusiastically flung at them by small people. However, an interesting fact is that most home insurance policies don’t cover accidental damage – or at least not all accidental damage – so many of the claims made over the summer period are unsuccessful.

This suggests that if you are worried about accidents over the summer break, it makes sense to ensure you have accidental damage added to your home insurance policy just in case you need to call on it.

Similar Posts:

• Rise in home insurance claims as schools close for summer
• Car insurance claims up for pothole related mishaps
• Home insurance claims set to rise for repairing New Year’s Eve damage
• Home insurance claims rocket 165% on New Year’s Day
• Accidental damage insurance can revive broken toys this Christmas