The Christmas period will see one million homeowners face disaster as poor weather, burst pipes, fires and theft take their toll, Sainsbury's Bank has warned.
New figures show that over the last five Christmases more than five million homes have made claims on insurance as a result of these personal tragedies.
Robert O'May, home insurance manager, Sainsbury's Bank, commented: "This Christmas, not everyone will be full of festive spirit. Underestimating your home contents could leave you without adequate cover and you could find any claims either turned down or not met in full."
Over the last five years power failures have damaged 3.1 million homes, poor weather has affected 1.91 million more, burst pipes have hit 861,000 properties and fires have affected 214,000 homes.
In addition 1.2 million people claim to have been burgled during the Christmas and New Year festivities in the same period.
Sainsbury's Bank has released the following tips to try and ensure Christmas goes smoothly:
-Do not put presents under the tree until Christmas eve, as they might attract thieves
-Make sure your burglar alarm is set when you go out or at night when you go to bed
-Use a UV pen to mark your postcode on expensive presents and belongings, as well as taking photos of them and keeping receipts, to aid insurance claims
-Prepare for cold weather, checking that pipes are properly lagged for example
-Have all relevant contact details for organisations that can help if disaster strikes during the festive celebrations including gas and electricity providers
-Remember to switch off Christmas lights and remove the plug from the socket when you go to bed as this can reduce the chances of a fire
-Choose a home insurance policy which provides a home emergency service should disaster strike, as this can remove the hassle of finding a plumberTo read more about home insurance, click here.
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