This blog is general information only. It isn’t advice and isn’t an insight into the views of TSB or any of our Partners.
It’s the summer school holidays – the time of the year children have all been waiting for. If you have kids or grandchildren, perhaps you’ve planned a holiday or a few activities to keep them busy. No matter how much is organised, it’s inevitable that children will spend more time at home than usual.
But it’s not all fun and games. Research from insurance providers Aviva shows that there’s an interesting correlation between ‘accidental damage’ home insurance claims and school holidays. August appears to be a claim hotspot, with last year’s data showing a 29% increase in accidental damage claims, compared to the year before.
We look into how parents (and grandparents) can kid-proof their homes to avoid insurance claims or costly repairs.
The danger zones: the most likely home insurance claims
Anything can be damaged by accident, but some things are bigger danger zones than others. For example, TVs and technology, carpets and couches are reported to be the most common areas where accidental damage can occur.
Aviva also shared several examples of their customers’ real claims with us. Here’s what we learned:
- Don’t do craft work near sofas. Craft work is fun – but wandering scissors and sofas don’t mix well.
- Don’t give young kids your mobile phone. Or they may end up in the toilet.
- Slime stains. Getting them out the carpet is hard work.
- Chandeliers are not for swinging. Especially crystal ones.
- TVs don’t like having toys thrown at them. They’re also easy to knock over when a child gets excited at what’s on the screen.
- Tumble drier doors are for opening and closing. Not for small children to swing from.
Top tips to keep possessions safe during the summer school holidays
The previous examples may be light-hearted, but the lessons are very real. Here are our top tips to keep your possessions safe over the summer school holidays.
Keep breakables and valuables out of reach from young children. Never underestimate a child’s ability or determination to get hold of an item; standing on chairs, tables, or even a friend or sibling, can make the unreachable reachable.
Be vigilant with doors and windows. It’s not just children you need to think about. Sadly, opportunistic thieves can easily get into homes through open doors and windows during good weather. If you’re going out, make sure they’re closed and locked. Even if someone’s in, be vigilant.
Have the right level of home insurance cover. Everyone’s needs are different, so make sure your policy covers you for all your valuables. Your insurance provider will be able to help you make sure you have the right amount of cover.
Don’t forget about pets. Home insurance policies will typically come with exclusions – things that are not covered. For example, normal wear and tear, and damage caused by pets is usually excluded.