With Bonfire Night just around the corner, many families and homeowners will be thinking of ways to celebrate the occasion, perhaps with a party at their house.
Insurance cover might not be the first thing that springs to mind when planning a get-together, but it is a significant consideration, particularly when your gathering involves a large fire and fireworks being set off in your back garden.
It is advisable to check your home insurance to see if you are covered for any possible damage to your property caused by a bonfire or fireworks.
If you are not currently protected, it might be worth speaking to your insurer about making changes to your policy to ensure Guy Fawkes Night doesn't leave you with an unpleasant financial hangover.
As well as checking your own home and contents cover, you should enquire about third-party liability insurance. This will offer financial protection in the event that you damage someone else's property or have any claims made against you.
It is a good idea for everyone to take some basic safety precautions and adopt a sensible attitude when holding or attending parties on November 5th.
Fireworks should always be placed a safe distance away from groups of people and buildings, while children using sparklers must be supervised at all times.
Keep a bucket of water nearby to dispose of used sparklers and anything else that could pose a fire hazard.
Pets should be kept indoors, and remember it is never a good idea to drink alcohol if you are lighting a bonfire or setting off fireworks.
According to the latest figures from the Association of British Insurers (ABI), insurance companies paid out an average of £452 million every day to UK customers in 2013.
Some £11 million was paid in property claims every day last year, £8.1 million of which went to homeowners, the ABI said
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