The festive season brings joy, celebration, and often expensive gifts into our homes. But have you ever wondered if your Christmas presents are protected by your home insurance? Let’s unwrap everything you need to know about keeping your seasonal purchases safe and secure.
Quick Answer: Yes, But There’s More to Know
Your home contents insurance typically covers Christmas presents, but the level of protection can vary. Most insurers, including Intelligent Insurance, automatically increase your contents cover during the festive period to accommodate the extra value of gifts in your home.
Understanding Your Christmas Cover
Automatic Seasonal Increase
Your contents insurance includes a special event cover that automatically increases your protection for:
- One week before and after any celebration
- Up to £5,000 additional cover for special events
- Christmas, weddings, birthdays, and other religious celebrations
High-Value Gifts: What You Need to Know
Items worth over £2,000 need to be specified individually on your policy
This applies to things like:
- Jewellery
- Electronics
- Designer items
- Watches
- Art pieces
Practical Tips to Protect Your Christmas Presents
When to Update Your Insurance
Common Questions Answered
Q: Are gifts covered while I’m shopping?
A: Yes, most policies include coverage for ‘shopping in transit’, but there are usually limits. Check your policy for specific details.
Q: What about presents I’m storing for others?
A: Yes, gifts for others are typically covered under your contents insurance while they’re in your home, subject to your policy limits.
Q: Do I need extra cover for expensive gifts?
A: If any single item is worth more than £2,000, it needs to be specifically listed on your policy for full protection.
If you need to make a claim:
- Report any theft to the police immediately
- Contact your insurer as soon as possible
- Provide proof of purchase where available
- Don’t dispose of damaged items until your insurer agrees
While the festive season might bring more valuable items into your home, it’s important to:
- Regularly review your contents insurance
- Update your policy when buying expensive items
- Keep an inventory of valuable possessions
- Maintain good home security throughout the year
Don’t let insurance concerns dampen your festive spirit. With the right coverage and precautions in place, you can focus on enjoying the season knowing your Christmas presents are protected. Remember to check your policy details and speak with your insurer if you need clarification or additional coverage.
Remember: This guide provides general information about home insurance and Christmas present coverage. Policy details and limits may vary between insurers. Always check your specific policy documentation or speak with your insurance provider for exact details of your coverage.
