CHESTER, England, November 1, 2011 /PRNewswire/ --
- Ensure your home insurance policy covers personal liability against damage and accidents
- Look out for your canine and feline friends too, says MoneySupermarket.com
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.
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. According to statistics from BIS, over 6,600 people are injured in firework accidents each year, with half of these injuries happening to children under 16 . 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 severely 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.
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.
Notes to Editors:
Further safety advice and tips can be found at:
Home insurance policies - personal liability cover:
Maximum Insurer Cover Details Claim Churchill Property owners liability - Churchill will pay GBP2,000,000 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 GBP2,000,000. They will also pay all costs and legal fees for defending you as long as this has been agreed in writing. The AA Legal Liability - The AA will insure you for all GBP2,000,000 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 GBP2 million for all claims arising from any one accident plus costs and expenses that The AA agree to in writing. Halifax Property owners liability - Your liability to pay GBP1,000,000 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 GBP1,000,000. Barclays Your Liability to the Public - Barclays will GBP2,000,000 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. Budget Buildings Liability - Budget will pay up to GBP2,000,000 GBP2,000,000 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.
Department for Business, Innovation & Skills
Top five pet insurance policies for dogs and cats:
Pet Insurance for Dogs (1-2 Years)
3rd Party Insurer Policy Premium Vet Fees* Liability* E&L Silver GBP73.43 GBP3,500 GBP1,250,000 Argos Silver GBP94.77 GBP2,500 GBP1,000,000 Animal Friends Basic GBP80.64 GBP3,000 GBP1,000,000 Marks & Spencer Standard GBP89.28 GBP4,000 GBP1,000,000 PetPlan Essential GBP161.28 GBP3,000 GBP1,000,000 Average GBP99.88 *Benefit subject to excess
Sourced by http://www.moneysupermarket.com on 27.10.2011
Pet Insurance for Cats (1-2 Years)
3rd Party Insurer Policy Premium Vet Fees* Liability* E&L Silver GBP40.35 GBP3,500 None Argos Silver GBP57.91 GBP2,500 None Animal Friends Basic GBP57.24 GBP3,000 None Marks & Spencer Standard GBP79.08 GBP4,000 None PetPlan Essential GBP96.36 GBP3,000 None Average GBP66.19 *Benefit subject to excess
Sourced by http://www.moneysupermarket.com on 27.10.2011
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