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Keep your garden pristine with the right insurance

Keep your garden pristine with the right insurance

Category: Home insurance

Updated: 30/06/2015
First Published: 30/06/2015

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 It is now over 6 months old so the content may be out of date.

It's the time of year when many of us are spending more time in our gardens, but that often coincides with spending more money on it, too. The desire to "keep up with the Jones'" is a very real phenomenon when it comes to our outdoor spaces, but unfortunately, many people could be putting their carefully-crafted gardens at risk by failing to invest in suitable insurance.

Competitive gardening

Research from Policy Expert has revealed that the UK is a nation of competitive gardeners, with the typical homeowner spending £300 on plants and ornaments every year – adding up to more than £15,000 in a lifetime.

The key reason seems to be to impress neighbours and keep up appearances, with a number of people admitting that they garden because they're worried of what their neighbours may think. More than a third (37%) of those surveyed didn't want others to think their garden was a mess, while a further 40% admitted that they keep their garden pruned out of sheer pride.

But, all this could cause tension on the street – 19% of those surveyed complained of a green-fingered neighbour whose garden always upstages the rest of the street, while 9% claimed it was their own garden that's the talk of the town, and a further 3% spent time and money in the garden simply to win competitions.

Protect your investment!

Despite the amount of time and money spent in the great outdoors, one in three of those surveyed were unsure if their gardens were insured against damage or theft. Just 51% have installed lighting as a precaution and only 55% have a locked gate to keep would-be thieves at bay, and this, combined with the lack of insurance, could leave thousands of pounds worth of gardening goodies at risk.

Policy Expert's Adam Powell commented: "Thousands of Brits choose to spend serious time and money on their gardens – whether it's for a genuine love of the pastime, or a case of keeping up with the Jones'. Either way, it's pretty shocking to see the number of people risking their hard work by disregarding basic security measures, such as locked gates or external lighting.

"It's also really important to make sure you're clued up on what your insurance policy covers, so you can sit back, relax and enjoy your green-fingered efforts… as long as the British weather holds up."

Why risk all that hard work going to waste? All it could take is a quick check of your home insurance policy details so you can be sure you're covered, or if not, a quick upgrade to put your mind at rest. Check out our comparison tool if you need something extra and you can then be sure you've got the cover you need.

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.