Abbey has pointed out that a heavy claim on home insurance, resulting in higher premiums in the longer term, can be avoided by taking some simple steps.
The bank's warning comes as weather forecasters predict one of the coldest winters in memory.
Over the winter months close to one third of claims on home insurance are prompted by the effects of bad or cold weather, Abbey adds.
Simple steps like knowing where the header tank and water mains valve are as well as how to turn them on and off could prevent many of these claims.
Householders should also ensure that pipes or tanks which are unheated places like lofts are properly insulated and keep central heating on, at a low temperature, overnight during cold spells.
Angus Porter, customer director at Abbey, noted: "A few simple precautions now will help prevent the misery and inconvenience of frozen or burst pipes,"
"If the worst does happen, contact your insurer as soon as possible - the sooner the damage is reported, the faster it can be repaired."To read more about home insurance, click here.
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