As bonfire night and hallowe’en approach, it’s a wise move to check your home and contents insurance. Statistics from the insurance industry show that burglaries shoot up by 25% on bonfire night to the highest level of the year – and, guess what, claims for fire damage rocket by 45%!

And if you are going to have a bonfire or light fireworks, even in your own back garden make sure that your home insurance covers you for “personal liability”. A mishandled firework or a few wayward sparks from a bonfire can have expensive repercussions. Defending and settling claims for damage to property or if someone is injured, is beyond most people’s finances unless they have public liability cover within their home insurance policy – so check it out this week!

And perhaps for good measure, you should check your car insurance too! hallowe’en is a really bad time for malicious damage to cars.