How To Protect Your Christmas Gifts | will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by will always be from Be Scamsmart.

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 It is now over 6 months old so the content may be out of date.

Derin Clark

Derin Clark

Online Reporter
Published: 03/12/2020

With just three weeks left until Christmas, now is the key Christmas shopping period, but while many shoppers will be hunting around for bargains and ensuring they have bought everything on their list, they may overlook ensuring their shopping is financially protected.

From damaged gifts and scams, to refund refusals and burglaries, there are many ways that Christmas shopping can be financially vulnerable, but here we’ve looked at how consumers can ensure their gifts are protected in each scenario.

How to protect Christmas gifts when shopping

When shopping online, it is often better to use a credit card over a debit card due to the extra protections offered. Under Section 75 of the Consumer Credit Act, if something is purchased using a credit card and it is damaged, faulty or never arrives, the credit card provider should help the shopper get their money back. This protection is available on items costing between £100 and £30,000 bought using a credit card.

It is important to remember when shopping with a credit card that interest will be added if the full balance is not paid off each month. Consumers looking to shop using a credit card, but who want to spread the repayment costs without being charged interest, should consider a 0% purchase credit cards. With a 0% purchase card, shoppers have a predetermined time in which to repay the balance before interest is charged on the money owed. In the 0% purchase credit card chart today, the longest interest-free period on a 0% purchase card that does not charge a monthly fee is 20 months, which is available on both TSB’s Platinum Purchase Card Mastercard and Sainsbury’s Bank’s Dual Offer Credit Card Mastercard.

What to do if you’ve bought Christmas gifts from Debenhams

Sadly, this week it was announced that the department store Debenhams would be closing. As a closing date has not been set out at the time of writing, it is still possible to buy items through its website and in store, although some stores will not be open due to Covid-19 restrictions. Consumers buying gifts from Debenhams should be aware that, although refunds are possible at the moment, when it stops trading, refunds will likely no longer be possible. As such, consumers looking to return items should do so as soon as possible and be aware that they may not be able to return items after Christmas if the company is no longer trading, although, again, shopping using a credit card may offer some protection against this. In addition to this, consumers should be wary about buying gift cards from Debenhams as Christmas presents, as they may not be valid if the company has ceased trading.

Similarly, those looking to buy gifts from shops within the Arcadia company, which includes Topshop, should be aware that the company is going into administration, which means that if a buyer cannot be found, the company and the shops it owns will no longer continue to trade. Again, as with Debenham gift cards, shoppers should avoid buying gift cards for brands within the Arcadia group as the money on the cards may not be accepted.

How to protect Christmas gifts within your home

A combination of longer nights and expensive Christmas gifts in homes has historically resulted in an increase in burglaries in the run up to Christmas. To help protect their Christmas gifts within the home, consumers should keep presents away from areas that are visible from the outside, such as close to windows and doors. In addition to this, leaving on lights when out of the house can help to deter burglars. More information about keeping a home safe can be found on the Metropolitan Police website .

In the event that the worst should happen, homeowners should ensure that they have home insurance to cover the cost of replacing the stolen items. In addition to covering the cost of items being stolen, home insurance can also cover the cost of items that have been damaged, such as through fire or flooding, but this may come at an extra cost, so consumers should check their policy to ensure that they are covered. For those looking for a new home insurance deal, we list all our top-rated home insurance companies here.


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. Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

hands holding gift

Cookies will, like most other websites, place cookies onto your device. This includes tracking cookies.

I accept. Read our Cookie Policy