Monday, December 22, 2008
Category:
Secured Loans
Recent research from Halifax Home Insurance has revealed that Christmas is the season to be clumsy with nearly one in ten experiencing accidents when hosting drinks parties around the festive period.
The survey has revealed that women are clumsier than men and most accidental damage claims occur on the 1st January, what’s more, 2 in 5 of us don’t know whether our insurance covers us for accidental damage. With Christmas just a couple of days away, lots of us will be entertaining family and friends with drinks parties at home, however one in ten Brits confessed that their most accident prone time is Christmas. In a nationwide survey of 2,000 Brits, it has been found that one in 10 frequently experience accidents during Christmas celebrations at home, the most frequent accidents being food and drink stains on fabrics and carpets followed by breakages at 55% and 27% respectively.
According to the research from Halifax Home Insurance, Brits can potentially cause thousands of pounds of damage during house parties and the expense can increase if several parties are being hosted. The average cost for an accidental damage claim last December (2007) was £525.40 and rose to £555.37 in January this year (2008).
Martyn Foulds, Halifax Home Insurance Senior Claims Manager said: "With a significant proportion of us finding that most accidents happen around Christmas, party preparation should include checking you have the appropriate home insurance for accidental damage. Christmas is always a time when people are spending money on socialising, going out for meals and buying presents for their loved ones. The last thing anyone wants to do is fork out more money than originally planned, especially in the current economic climate."
Halifax Home Insurance provides hints and tips to keep things safe around the home during the party season. This includes storing valuable or fragile items away safely out of reach from party goers. Naked flames near curtains and flammable objects should be avoided. Risks of fire can be prevented by not overloading electrical sockets with fairy lights and expensive china can be saved by using plastic. Furniture and carpets may be protected from spillages with throws, rugs and table cloths.
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Homeowners who feel their homes need a make over following the festive season could consider carrying out vital home improvements with a
homeowner loan. A homeowner loan could be used to carry out an internal refresh including replacing an old kitchen with new, or fitting a new bathroom and tired rooms could be modernised with a simple redecoration. One of many options, a homeowner loan could also be considered to finance bigger home improvement projects such as extensions or adding a conservatory.
