It’s that time of year again! Twinkly lights, endless mince pies, and maybe a few exciting new gifts heading your way. Whether it’s a new laptop, an engagement ring, a designer bag, or the latest TV that could double as a cinema screen, one thing’s worth remembering: your insurance policy might need a little festive update too. Once the wrapping paper settles, it’s a good idea to take stock of anything valuable that’s made its way into your home (or onto your wrist!).
Most home contents insurance policies have limits on individual items, often around £1,000 to £2,500 per item, unless you’ve specifically listed them. That means your brand-new jewellery, artwork, or tech gadget might not be fully covered if something happens to it.
Accidents can happen – especially during the merry season! Without proper cover, you could be left footing the bill to replace your new gift before you’ve even had a chance to use it. SO, we’ve pulled together an easy checklist to prevent any disasters, and you can sit back and relax.
A quick post-Christmas checklist:
- Make a list of anything new and valuable – jewellery, electronics, instruments, watches, artwork, handbags.
- Check your current policy to see what the single-item limits are.
- Add new items to your cover if they exceed your existing limits. Many insurers will happily adjust your policy mid-term.
- Keep receipts or valuations – especially for higher-value items. They’ll make claims much smoother if you ever need to make one.
Your home and what’s in it change all the time, and your insurance should change with it. Maybe you’ve had a renovation, added a home office, or upgraded your tech. Even small updates can make a big difference to your level of protection.
If you’re unsure whether your cover still fits, or you’re not sure how to list new items, get in touch. We can help you review your policy, identify what’s worth adding, and ensure everything important to you stays properly protected.
Enjoy the holidays – make sure the only surprises this season are the ones under the tree!
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