With bonfire night just around the corner, are you covered for any damage that may be caused, or do you need to take out extra cover?

It will come as no surprise that around bonfire night, there is a significant increase in claims on home insurance policies. Damage can be caused by a range of incidents – typical claims are for broken windows, damaged roof tiles and fences, and fires as well as personal liability for injury to other parties.

Most buildings and contents insurance will cover your property and possessions if they are damaged by a bonfire or fireworks. However if you live in a non-standard property such as a property with a thatched roof, there may be restrictions on the policy therefore ensure you read the terms and conditions of your policy carefully. You should also note what is covered – sheds, fences and greenhouses tend to be covered by insurance policies, however other items in the garden may not be covered.

It is also worth checking your personal liability cover – check to see how much your policy pays out if someone gets injured. The majority of policies cover £1 or £2 million, however it is wise to check in advance.

Bonfire night is also prime-time for burglars and thieves. Empty houses and plenty of noise make it the perfect time for break-ins so if you are going out, make sure all your windows and doors are securely locked and your alarm is primed.

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