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Published: 30/03/2017

The 2017 Easter holidays are almost upon us, but while children up and down the country will be excitedly waiting for the Easter Bunny and an overload of chocolate, parents will have one thing on their minds – how to keep them entertained, and how to do it without spending a fortune. Unfortunately, planning indoor activities may not even be that cost-effective, with research revealing that kids can cause hundreds of pounds' worth of damage in the home.

That's according to Policy Expert, whose data shows that kids cause around £769 of damage in the home during childhood – and much of that could occur during school holidays, when they'll be spending more time in the family home. Indeed, as 53% of survey respondents plan to entertain the children at home during the Easter break, and one in five have had to pay for child-related damage in the past, it could prove to be a costly two weeks.

This is why families are being urged to carefully check their home insurance policy for accidental damage cover, something that's particularly important given that a fifth don't know if they've got such cover included – and a further fifth know that they definitely haven't.

"Kids are great at testing their parents' patience, as well as the durability of their home, whether it's by decorating the walls with crayons or using the sofa as a bouncy castle," said Adam Powell, head of Operations at Policy Expert.

"That's why it makes sense to ensure your insurance policy covers you for any mischievous mishaps, especially when the kids are at home during the school holidays. Accidental damage is a very straightforward thing to add to your policy but gives you peace of mind, even if that's the only peace you get this school holiday."

Be prepared

Accidental damage cover should always be included in your home insurance policy, particularly if you've got children in the house, because you never can tell when disaster will strike – or how much it could cost to fix. If your current policy doesn't include this kind of cover as standard, speak to your insurance provider to see if it can be added in time for the Easter holidays.

However, you still don't want to spend over the odds, so if it costs too much, start comparing home insurance quotes for when it's time to renew. Our quote tool will be a great place to start, helping you track down the cover you need at a price you can afford, so you can guard yourself against any mishaps without breaking the bank.


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