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Revealed: the home insurers offering a festive cover boost this Christmas

Christmas is a time for celebration – but if disaster struck, could you claim back presents or bottles of bubbly on your home insurance? Research by home insurer Privilege estimates that 545 million presents will be bought in the UK over Christmas, with the average household spending around GBP500. If these items are not detailed on your home insurance policy, will they be covered?

Which? reveals the providers who offer additional cover for your contents over the festive period.

Protecting your Christmas contents

Your home insurance[1] will provide protection for contents already specified on your policy. However, the purchase of festive goods over the Christmas period may cause the value of your home contents to increase.

Aside from presents, every day spending also jumps up over the holiday period. According to the Bank of England, a typical UK household spends over GBP2,000 each month. By contrast, in December households spend on average an extra GBP500, with the purchase of food increasing by 20%, alcohol by 30% and books by 80%

To provide coverage for presents and extra purchases, many – but not all – home insurance policies will temporarily increase the level of protection at Christmas. Out of 341 home contents insurance policies listed on Defaqto – an independent financial researcher – 86% of providers offered extra cover over the holidays, according to research by GoCompare. This additional protection can also apply to other religious holidays and special events such as weddings.

How much extra cover will I get?

The amount of additional temporary cover offered varies between providers and some do not offer extra protection at all.

Insurers spreading festive cheer include NFU Mutual – offering cover for claims up to GBP30,000 – as well as John Lewis and Sainsbury’s, which both offer a GBP7,500 increase in the sum of contents insured. The AA, meanwhile, offers a 20% increase in the sum of contents insured. But the additional cover over Christmas may not kick in automatically, so be sure to contact your provider to check.

Fixed sum increase

The following insurers offer a temporary fixed sum increase for claims over the festive period.

Insurer Amount of cover Time period NFU Mutual Cover for claims up to GBP30,000 30 days before and 30 days after Christmas John Lewis GBP7,500 increase in the sum of contents insured One month before and one month after Christmas Sainsbury’s GBP7,500 increase in the sum of contents insured The month of December Zurich GBP5,000 increase in the sum of contents insured One month before and one month after Christmas Halifax GBP3,000 increase in the sum of contents insured The month of December Aviva GBP3,000 increase in the sum of contents insured The month of December

Percentage increase cover

These insurers offer a temporary increase in the percentage of the sum of contents insured over the holidays.

Insurer Amount of cover Time period AA 20% increase in the sum of contents insured 30 days before and the 30 days after Christmas Esure 15% increase in the sum of contents insured 4 weeks before and 4 weeks after Christmas Legal & General 10% increase of the sum of contents insured One month before and one month after Christmas Churchill 10% increase of the sum of contents insured 30 days before and 30 days after Christmas. Direct Line 10% increase of the sum of contents insured 30 days before and 30 days after LV 10% increase of the sum of contents insured One month before and one month after Christmas MoreThan 10% increase of the sum of contents insured One month before and one month after Christmas NatWest 10% increase of the sum of contents insured 30 days before and 30 days after Post Office 10% increase of the sum of contents insured One month before and one month after Christmas Privilege 10% increase of the sum of contents insured 30 days before and 30 days after The Co-operative 10% increase of the sum of contents insured 30 days before and 30 days after Castle Cover 10% increase of the sum of contents insured One month before and one month after Christmas Age UK 10% increase of the sum of contents insured The month of December Rias 10% increase of the sum of contents insured The month of December Saga 10% increase of the sum of contents insured The month of December

Specified claim limit

These providers offer a temporary increase over the festive period for a sum that is specified in each household’s policy.

Insurer Amount of cover Time period AXA Specified claim limit 30 days before and 30 days after Christmas Insure4Retirement Specified claim limit One month before and one month after Christmas Nationwide Specified claim limit 30 days before and 30 days after Christmas Swiftcover Specified claim limit 30 days before and 30 days after Christmas Lloyds Bank Specified claim limit The month of December Tesco Bank Specified claim limit The month of December

No festive cover boost

Barclays, M&S and Santander do not provide additional cover during the festive period.

But they do offer policies which allow households to claim an unlimited sum at any point during the year.

Ark Insurance, Instasure and Neos also do not increase cover during the Christmas period.

References

  1. ^ home insurance (www.which.co.uk)

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Peter Kay cancels live stand-up tour due to ‘unforeseen circumstances’

It has been confirmed today that the Peter Kay Live Arena Tour will no longer be going ahead, due to unforeseen circumstances. In a statement, Kay said: ‘Due to unforeseen family circumstances I deeply regret that I am having to cancel all my upcoming work projects. This unfortunately includes my upcoming stand-up tour, Dance For Life shows and any outstanding work commitments.

‘My sincerest apologies. This decision has not been taken lightly and I’m sure you’ll understand my family must always come first. ‘I’ve always endeavoured to protect my family’s privacy from the media.

I hope that the media and public will continue to respect our privacy at this time. Once again I’m very sorry.’ Starting April 2018 in Birmingham, the tour was scheduled to take Kay across the UK with shows in Glasgow, Manchester, London, Leeds, Nottingham, Newcastle, Sheffield, and Liverpool.

How do I get a refund?

The statement released by Peter Kay added that ticketholders for both Peter Kay’s Live Arena Tour and Dance For Life shows will be refunded from their original point of purchase.

If the event you have booked is cancelled, rescheduled or has changed location, you are entitled to a refund of at least the face value of the ticket. It is a condition of membership of the industry’s self-regulatory body, the Society of Ticket Agents and Retailers (STAR), that ticket sellers refund the tickets face value price[1] when an event is cancelled. But, check the ticket seller’s terms and conditions before buying your tickets because although you’ll get the face value of your ticket back, you may be out of pocket on the extra fees charged by your ticket seller.

If you’re out of pocket for fees you can complain to the ticketing company. Some consumers have even submitted a small claims court claim to try to get their fees back.

I bought from a secondary ticket seller

You have fewer rights if you purchase tickets from a secondary ticket seller. Which? has put together some simple steps you can follow to get your money back[2] if you’ve been sold dud tickets by a secondary ticket website.

Get your money back

If for any reason you have difficulty getting your money back your bank or credit card provider can help.

I paid by credit card If you’ve spent more than GBP100 and less than GBP30,000 you can claim on your credit card if something goes wrong. Under Section 75 of the Consumer Credit Act,[3] your credit card company is jointly liable for any breach of contract or misrepresentation. Use chargeback If you paid by debit card You can ask your card provider to reverse a transaction on your credit or debit card in a process called chargeback[4].

Unlike Section 75, chargeback isn’t a right or law and offers no guarantees, but it is a way your bank may be able to help you.

Chargeback is also particularly useful where the cost of the tickets was under GBP100 and Section 75 doesn’t apply.

References

  1. ^ ticket sellers refund the tickets face value price (www.which.co.uk)
  2. ^ some simple steps you can follow to get your money back (www.which.co.uk)
  3. ^ Section 75 of the Consumer Credit Act, (www.which.co.uk)
  4. ^ a process called chargeback (www.which.co.uk)

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