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Protect yourself this Christmas

Protect yourself this Christmas

Category: Insurance

Updated: 04/12/2013
First Published: 04/12/2013

MONEYFACTS ARCHIVE
This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

Christmas is rapidly approaching, and whilst it should be a time of peace, love and goodwill to all men, not everyone sees it that way.

Criminals see the festive season as an opportunity for easy pickings when people not only have a lot of high-value items doing the rounds but when many have lowered their guard as well, which is why consumers need to be extra vigilant to ensure they don't fall foul of cons, scams and petty thieves.

Here at Moneyfacts we want to help, which is why we've outlined a few areas you need to focus on and ways you can protect yourself this Christmas.

Protect your home

  • Making sure your home is secure should be a top priority at any time of year, but particularly at Christmas – not only will you have a lot of expensive presents under the tree, but the extra hours of darkness provide additional opportunity for burglars to slip in unnoticed. That's why you need to make sure your security precautions are up to scratch – think security lights, alarms and heavy-duty locks – and make sure your insurance policy has got you covered as well. Always check the small print so you'll know if there are any exclusions you need to be aware of, and make sure your contents cover is high enough to provide adequate protection at this time of year. If not it'll be worth talking to your insurer to see about increasing it (some even offer additional protection as standard over the festive season), and if it's time to renew your policy make sure to compare the options so you know you've got the right cover at the right price.

Secure your car

  • In a similar vein, make sure your car is properly secured too. According to research from M&S the average consumer will spend around £488 on Christmas this year, which could easily put the value of a vehicle's contents (including other gadgets) at over £1,800, which makes the car boot a prime target for thieves. That's why those about to embark on their festive shop are being urged to take extra precautions – make sure high-value items are out of view, double-check that windows and doors are locked and check your car insurance policy to make sure you've got adequate contents cover should the worst happen.

Prevent online fraud

  • With more and more people shunning the high street in favour of the internet, it's no wonder that online fraud is becoming so prevalent. Again, it's all about taking precautions, so make sure to stay sensible – don't fall prey to scam emails or dodgy sites, always double-check that the connection is secure and change passwords regularly. .

What Next?

Make sure your home insurance is up to scratch this christmas and compare a quote today

Find a great deal on your car insurance and insure your items are covered by comparing quotes today

Check out our guide on how to stay safe online for more detailed hints and tips

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.

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