The days are getting darker, and decorations are going up. It’s official: Christmas is in full swing. So is the annual festive tradition of landing this year’s must-have presents for our loved ones.
If you've received some valuable presents this year, you may want to protect them. Your insurance may cover your new gifts from theft or damage. It's best to check with your insurer what is and isn't on the list.
If you’ve been lucky enough to find yourself on Santa’s nice list this year, you may be wondering if you could claim back for the prized presents under your tree if your property is damaged by frightful weather, a home mishap or if an opportunistic individual other than Old St. Nick manages to gain unauthorised access to your home.
AXA some of the FAQs about how home insurance works at Christmas time. There's also some handy safety tips, so you can have more peace of mind while you’re rocking around the Christmas tree.
- Does AXA Home Insurance cover Christmas presents?
- Does AXA Home Insurance cover festive food?
- Does AXA Home Insurance cover accidental fire damage caused by Christmas decorations?
- Will AXA Home Insurance cover me against any accidental mishaps if I host a Christmas party?
- Does AXA Home Insurance offer increased cover during religious holidays?
- Does AXA Home Insurance cover my home against festive break-ins?
Does my home insurance cover Christmas presents?
Here at AXA, we understand that Christmas can be an expensive time. That’s why AXA home contents insurance automatically increases customers’ cover 30 days before and 30 days after Christmas as standard. If you have plenty of presents under your tree, you can rest easy knowing that your gifts have got the protection they need.
Does AXA Home Insurance offer cover for goods only, or does this include festive food too?
As well as presents, festive food is the next best thing that gives Christmas that extra sparkle. But faults with your freezer due to a power cut or a power failure can put the brakes on your kitchen adventures. Thankfully, AXA Home Insurance offers up to £1,000 of cover for the contents of your fridge and freezer if disaster strikes. You can relax knowing that even if the worst happens, you’ll be back to cooking up a storm quickly.
What about accidental fire damage caused by Christmas decorations – does AXA Home Insurance protect me too?
It's time to start decorating and turn your home into a picture-perfect Christmas grotto. You want your property to be merry and bright this festive season, but it’s a good idea not to hang fairy lights near flammable materials. Make sure they’re turned off before you go out or head to bed to reduce the risk of causing a fire.
AXA Home Insurance covers your home against accidental fire damage as standard. But being sensible about Christmas decorations is more effective in reducing the odds of a fire.
I’m planning on having a Christmas party this year. Will AXA Home Insurance cover me against any accidental mishaps?
If you’re planning on holding a festive fiesta, it's good to be aware of what can happen. From spilled drinks to damage to furniture, accidents can happen no matter how you try to prevent them. With AXA, if you have accidental damage cover as an optional extra, you'll be covered for most events. Double check your policy wording to see if you're covered for accidental damage.
Does AXA Home Insurance also offer increased cover during religious holidays?
Christmas isn’t the only time that AXA home insurance increases the contents sum of your home insurance policy. We will increase contents cover for any one claim for 30 days before and 30 days after a recognised religious festival and your family’s wedding or civil partnership. Meaning you can get the cover you need at the time that’s right for you.
Does AXA Home Insurance cover my home against winter weather damage?
There’s a good chance that the weather outside will be frightful during the festive season. AXA Buildings Insurance can protect your home against a range of events such as storms and flooding. It includes cover to protect outbuildings, exterior and interior walls, roofs and more.
The UK's weather can be unpredictable, so considering AXA Buildings Insurance may be worth it. Keep in mind that AXA won’t cover your property against damage because of poor maintenance or wear and tear. Check our guide on how you can protect your property against a cold snap to keep your home warm and watertight this winter.
Does AXA Home Insurance cover my home against festive break-ins?
Unfortunately, not everyone is full of festive cheer this time of year. After Santa has been and gone, your home is likely to be full of presents and goodies. This could spell trouble if you’re targeted by opportunistic thieves.
If you’re unlucky enough to have your gifts stolen, AXA Home Insurance can be there to lend a helping hand. There are plenty of security measures you can take to deter theives from gaining access to your home.
So here it is, merry Christmas, everybody’s having fun. By looking to the future you can keep your home better protected and prevent problems before they’ve even begun. We at AXA hope you have yourselves a merry little Christmas filled with plenty of jingle bell rock.
