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As students prepare for another round of exam results, prepares parents for the parties

19 August 2008 / by Rebecca Sargent
As thousands of students across the country celebrate their A level results or prepare for GCSE exam results, is warning parents to check their home insurance if the party is at their house.

And, as parents become increasingly concerned about alcohol use and abuse, the idea of children hosting parties in the family home is becoming more popular as it means an eye can be kept on proceedings.

However, we have all read reports of parties gone wrong, particularly post exam or term parties that have been advertised on online networking sites like Facebook.

It is when strangers enter your home that insurance could become an issue. Although accidental damage is often offered these days as part of home insurance, there are no guarantees that it will cover for malicious damage or damage not caused by you. spokesperson, Rachael Stiles comments: "If, for example your child's party gets out of hand and your property and its contents are damaged, there are no guarantees that the insurance will pay out. Although accidental damage is designed to protect you, it is not necessarily valid when it comes to malicious damage inflicted by a stranger.

"To be safe we would advise keeping a close eye on the party. Sit down with your child before hand and work out the guest list – that way you will know who has turned up uninvited and who your child deems trustworthy."

By keeping a close eye on the party you will also increase the chances of a home or contents insurance pay out should accidental damage occur. Miss Stiles added: "As an insurance policy holder, it is your responsibility to take reasonable care to prevent damage to your property. Therefore, monitoring guests at your child's party may make you look over protective but it could save you money should accidental or malicious damage occur."

With the A level pass rate now standing at 97.2 per cent and the GCSE results expected on Thursday, parties will be inevitable. Protect your home with the following tips from

• If you have not got Accidental Damage cover already – GET IT

• Sit down with your child and work out the guest list

• Remove all valuables and breakables

• Place covers over furniture like sofas and armchairs – that way they can be thrown in the wash

• Invest in plastic cups, cutlery and plates to reduce breakables

• If alcohol is involved, keep an eye out for those who take it too far

"At the end of the day, these parties are part of growing up and of celebrating the hard work your children put into their exams. All you can do is keep an eye out to make sure nothing gets out of hand. A party in your home is probably preferable to a party in a park somewhere where you have no control over events," Miss Stiles added.