21 December 2015

Are you insured against a nightmare Christmas?

Picture the scene: it’s two days before Christmas; the presents have been bought, lovingly wrapped and are nestled under the tree. Your fridge and freezer are fully stocked ready for the impending arrival of the in-laws and you’ve even spent hours on a seating plan that is sure to keep festive friction at bay.

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The smugness in your house is palpable.

Then the freezer packs in and the oven explodes and a fresh dump of snow wreaks all sorts of havoc on the roof of your new conservatory.

We’ve all had Christmas disasters, but with many home insurance policies you needn’t descend into a fit of pre-party panic. In fact, your cover could include some surprising additions that might help you keep the Christmas spirit until at least Boxing Day.

The smugness in your house is palpable.

Then the freezer packs in and the oven explodes and a fresh dump of snow wreaks all sorts of havoc on the roof of your new conservatory.

We’ve all had Christmas disasters, but with many home insurance policies you needn’t descend into a fit of pre-party panic. In fact, your cover could include some surprising additions that might help you keep the Christmas spirit until at least Boxing Day.

Protecting your home at Christmas

The contents of the fridge or freezer going – quite literally – into meltdown the day before the festive feast can be stressful for anyone, particularly if you have a sixteen pound frozen turkey in it. But did you know that many home insurance policies cover the contents of broken fridges or freezers as well as the white goods themselves?

Basic contents insurance could provide up to £300 of food that goes to waste in the fridge or freezer, while more expensive policies will often insure you for the total value. This could be helpful if you have to brave the supermarket to replace the contents on Christmas Eve.

And if a broken heating system leaves you and the relatives freezing home emergency cover could make sure help is at hand when you need it most. Your policy could give you access to qualified tradespeople 24 hours a day to make your home safe and secure, even when most of Britain is on holiday.

Home emergency products can include cover for:


  • Roof damage
  • Plumbing and drainage problems
  • Main heating system failure
  • Domestic power supply failure
  • Toilet unit damage or failure
  • Damage to doors and windows
  • Loss of keys
  • Vermin infestation

Accidental damage in the home

Christmas wouldn’t be Christmas without a pet accidentally overturning the tree or one of the kids smashing the expensive vase from Great Auntie Ethel.

But before your blood pressure rises and you consider a replacement pet (or child), it might be worth checking the details of your contents insurance policy.

Accidental damage cover is offered as an option on many home insurance policies and may keep you insured for a one-off accident in the home. Damage done by pets could also be covered, so check with your insurer in the event of a costly mishap.

Keeping you moving

It’s finally time to escape the mayhem and head off for a post-Christmas retreat to your sister’s house when your car splutters to a halt on a deserted country lane.

Deep breath.

Breakdown cover is available as part of many car insurance policies and some current accounts even offer it as an added bonus for bank or building society customers so you may already be covered. If not, perhaps it’s something to look into ahead of the New Year. Along with a new car…

Getting Christmas covered

Find out more about Nationwide home insurance and car insurance.

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