Business

Check insurance cover at Christmas. ombudsman says

Christmas tree
Image caption Many people can forget to check paperwork when busy at Christmas

Money worries can mount at Christmas if people ignore their insurance cover, according to the financial ombudsman.

Issues surrounding insurance dominate a list of festive tips from the service which deals with complaints that cannot be settled between consumers and insurers.

Advice includes checking insurance policies for cover about high-value gifts and Christmas accidents.

About a million people a year go to the ombudsman to settle financial disputes.

The seasonal tips include:

  • Ensuring high-value presents are covered by contents insurance in case they are stolen or damaged before Christmas
  • Taking car keys from a car when de-icing - as theft might not be covered if they are left in the ignition
  • Checking travel insurance for details of cover before a Christmas getaway
  • Ensuring presents and food shopping are not left in full view in a vehicle
  • Checking contents insurance if taking an extended Christmas break, as some have a time-limit on an empty home
  • Finding out if accidental damage such as breakages and spillages are only available as add-ons to policies

Other tips including checking deadlines for interest-free credit, and keeping an eye on regular payments which might be forgotten during the festive period.

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