The Easter holidays are in full swing, but after all the over-indulgence of the past weekend, it's time to start thinking about what you'll do with the rest of your break – and it could be even more important to check that your insurance is in order.
New figures from Policy Expert show that children cause an average of £739 worth of damage in the home during childhood, with much of this occurring during school holidays. Given that 47% of respondents are planning on entertaining the kids at home this Easter, families are being urged to check their home insurance for accidental damage cover, because you never know when disaster could strike.
The figures went on to reveal that paintwork and interior décor are the most common victims of children's unruly behaviour (29%), followed by carpets and upholstery (21%) and gadgets (17%), but furniture, mirrors and plumbing can all be impacted, too. Despite the risk, just 25% of those surveyed don't know if they have accidental damage cover included in their home insurance, so it's high time you checked!
However, being on the road can put just as much pressure on your insurance policies, with data from Swinton Insurance showing that the period after Easter Monday is traditionally one of the busiest times of year for car insurance claims.
Over the last two years, the insurance broker has seen a spike in claims calls of 30% to its motor insurance team following the Easter bank holiday, which is largely due to the "unprecedented level of traffic" on the roads, it said in the report. The broker is therefore calling on drivers to take extra care during their Easter travels, as with many families on the road at this time of year, extra caution is vital.
"The big Easter getaway has become something of a British tradition, with congestion and tailbacks disrupting travel plans," said Rick Vlemmiks of Swinton Insurance. "Heavier traffic on the roads brings an increased chance of accidents: the number of calls from drivers who'd had scrapes and bumps in their car over the Bank Holiday rose by 30% on the days immediately following the break in 2014 and 2015, [but] a few simple driving tips can make all the difference in reducing the risk of collisions."
He advises drivers to be alert for sudden or unexpected moves by other motorists, and to allow plenty of time for your journey to avoid the temptation to speed. "It's also worth spending some time checking over your vehicle before you set out on a lengthy journey, [and] we would advise drivers to carry insurance details when travelling."
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