Don't let your Bonfire Night fizzle into an insurance nightmare

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Published:
31/10/2011
Topic:
Press Release,Insurance

With households across the country gearing up for this year's Bonfire Night celebrations, MoneySupermarket.com urges people to make sure their home insurance policy includes adequate personal liability protection to insure them for any accidents, as otherwise the evening could go off with a costly bang.

  • Ensure your home insurance policy covers personal liability against damage and accidents
  • Look out for your canine and feline friends too, says MoneySupermarket.com


Britain's number one comparison site warns homeowners to check the small print of their home insurance policy for personal liability protection. Most insurers will provide cover for personal liability of £2,000,000, however this does vary across providers.1 According to statistics from BIS, over 6,600 people are injured infirework accidents each year, with half of these injuries happening to children under 16 2. If any accidents occur on your property, you could be liable for a personal injury claim, and not having enough personal liability cover in place, could leave you severley out of pocket.

Peter Harrison, home insurance expert at MoneySupermarket.com, said: "Bonfire Night is always an exciting event, with people across the UK hosting their own fireworks parties or attending public displays. To ensure these events run smoothly, it is important for people to remember that safety has to come first.

"For those hosting a fireworks party at home, it is essential to ensure your home insurance policy is up to date and that you have adequate personal liability cover. In the event of an accident such as someone getting burnt on the bonfire, you could find yourself liable for any injury or damage if you are not covered by insurance. In addition, you could find yourself facing a hefty payout. The same applies if you are at a friend's party and are injured by a firework, as they will need to have adequate insurance to cover any claims."

Protecting man's best friend
Pet owners should also think about protecting their furry friends on Bonfire Night. Cover for pets is available from £73 a year for dogs and £40 for cats. Checking the small print of the insurance policy is crucial as levels of cover for vets fees and third party liability will vary.3

Peter Harrison continued: "In the fun of firework season it is also important for pet owners to think carefully about ensuring their four-legged friends are protected from any potential dangers. This time of year is particularly traumatic and dangerous for animals, and owners should take steps to protect them. Fireworks can cause distress, disorientation and panic, which can in turn lead to accidents and animals going astray. Insuring your pet gives you the peace of mind alone they will be protected if they come into harm."

MoneySupermarket's top tips for staying safe this Bonfire Night:

  • Keep a close eye on children. Ensure that they wear appropriate clothing, especially gloves, when near bonfires or sparklers
  • If you have a Bonfire party, ensure that there is sufficient space between the fireworks and the guests. It is also advisable to not drink in excess, and to ensure that outside areas are well lit.
  • Keep pets indoors. Close windows and curtains, and switch on music to drown out the noise of fireworks, and don't forget smaller pets living outside, like rabbits and guinea pigs, can be brought inside for extra protection.

-Ends-

Notes to Editors:

Further safety advice and tips can be found at:
http://www.berr.gov.uk/fireworks/index.htm
 

1 Home insurance policies - personal liability cover:

 

Insurer

Cover Details

Maximum Claim

Churchill

Property owners liability - Churchill will pay all amounts you become legally responsible for as a result of an accident which happens during the period of cover if someone is injured, falls or dies or if property is lost or damaged.  The most Churchill will pay for all claims arising from one incident is £2,000,000.  They will also pay all costs and legal fees for defending you as long as this has been agreed in writing.

£2,000,000

The AA

Legal Liability - The AA will insure you for all amounts which you have legal liability to pay as owner but not occupier for accidents which happen in or around the property which result in physical injury to or illness of any person or loss of or damage to the property.  There is a limit of £2 million for all claims arising from any one accident plus costs and expenses that The AA agree to in writing.

£2,000,000

Halifax

Property owners liability - Your liability to pay damages and costs for accidental death, disease, illness, or personal injury to anyone other than you or a member of your family or accidental damage to physical property other than your property or that of a member of your family.  The most Halifax will pay for any single event that happens during any insurance period is £1,000,000.

£1,000,000

Barclays

Your Liability to the Public - Barclays will cover your legal liability as owner of the buildings for damages, costs and expenses if anyone is accidentally injured or falls ill or property is accidentally lost or damaged.  Barclays will also pay for any defence costs and expenses if agreed in advance.

£2,000,000

Budget

Buildings Liability - Budget will pay up to £2,000,000 with regards to your legal responsibility to others as a property owner for:  Which you are legally responsible as the owner of your property to pay to others in respect of damages or costs as the result of accidental death, disease, illness, or accidental physical injury to anyone other than the members of your Household.  Accidental damage to physical property. 

£2,000,000

 

2 Department for Business Business, Innovation & Skills

http://webarchive.nationalarchives.gov.uk/+/http:/www.berr.gov.uk/files/file52770.pdf

 

3 Top five pet insurance policies for dogs and cats:

 

Pet Insurance for Dogs (1-2 Years)

 

Insurer

Policy

Premium

Vet Fees*

3rd Party Liability*

E&L

Silver

£73.43

£3,500

£1,250,000

Argos

Silver

£94.77

£2,500

£1,000,000

Animal Friends

Basic

£80.64

£3,000

£1,000,000

Marks & Spencer

Standard

£89.28

£4,000

£1,000,000

PetPlan

Essential

£161.28

£3,000

£1,000,000

 

Average

£99.88

 

 

*Benefit subject to excess

 

 

 

Sourced by http://www.moneysupermarket.com/ on 27.10.2011

 

Pet Insurance for Cats (1-2 Years)

 

Insurer

Policy

Premium

Vet Fees*

3rd Party Liability*

E&L

Silver

£40.35

£3,500

None

Argos

Silver

£57.91

£2,500

None

Animal Friends

Basic

£57.24

£3,000

None

Marks & Spencer

Standard

£79.08

£4,000

None

PetPlan

Essential

£96.36

£3,000

None

 

Average

£66.19

 

 

*Benefit subject to excess

 

 

 

Sourced by http://www.moneysupermarket.com/ on 27.10.2011

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Paul Lawler - PR Manager (Financial Services)
07872 379545
01244 370317
paul.lawler@moneysupermarket.com

 

Nicola Parry - PR Officer (Financial Services)
07872 379549
01244 370318
nicola.parry@moneysupermarket.com

 

Emma Morris - PR Manager (Travel & Shopping)
Travelsupermarket.com
Moneysupermarket Shopping

07775 941689
01244 220671
emma.morris@moneysupermarket.com

 

Clare Francis
Head of Content

07595 067818
01244 220650
clare.francis@moneysupermarket.com

 

Kate Murphy
Media
Communications Executive
01244 221978
kate.murphy@moneysupermarket.com

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