The first signs of Autumn are upon us; the chilly morning air, the streets are covered in leaves and the darker night’s are drawing in; it can only mean one thing, that Halloween and Bonfire night are fast approaching.
This time of year brings many concerns for home owners and you don’t need a crystal ball to predict what horrors could lie in store for your property.
It isn’t only the visits from those little monsters in fancy dress you need to worry about, but the dark conditions could prove to be perfect opportunities for potential thieves looking for the chance to break into the properties of unsuspecting households.
Most insurance companies report that Halloween and Bonfire night sparks a high increase in insurance claims; with the most common criminal damages to homes including: smashed windows, forced entry and broken doors and vandalism to garden property.
Top tips to ensure your home is properly protected:
- Install outdoor lighting to deter thieves
- Ensure windows and doors are locked (not just when your home is left unattended)
- Never leave keys hidden outside under plant pots
- If possible, park your car in a garage for the night
- Leave a light or TV on when you leave the house (to appear someone is occupying the property)
- Ensure your garden shed filled with valuable equipment is secured with robust locks
- Avoid answering the door to trick-or-treaters, especially if you are alone in the property
Are you holding an event at your club?
If you are organising an event at a local club premises, you have a duty of care to ensure all potential risks are kept to a minimum, otherwise you could be found liable in the event of an incident.
To avoid further accidents resulting in injury, make sure light is provided where possible outside the venue including pathways used by spectators and that there is a clearly marked access site for emergency services.
Since most insurance policies do not automatically include cover for firework displays, cover for a specific event can often be arranged. You should immediately check with your insurers if you are planning on holding an event at you club to ensure adequate cover is in place.
How can Perkins Slade help?
For more information on protecting your home this season please email firstname.lastname@example.org or call us on 0121 698 8070. Or for advice on minimising the risks to your club premises please email email@example.com or call us on 0121 698 8160.Back to top
- Perkins Slade raise funds for the QE Hospital Charity
- Keep your technology safe and secure when travelling for business
- Bombing Incidents: Security Advice
- Sugar and spice... and some things nice
- Insurance premium tax to rise to 10% ahead of the 2016 Budget
- Notifying all businesses of changes to HSE sentencing
- Dangerous driving - Death by phantom drivers!
- Assessing the safety needs of female business travellers abroad
- Happy Christmas from Perkins Slade
- Dallas- The Autumn Statement from Southfork Ranch
- Travel Insurance for extreme sports abroad
- The Zika Virus over-shadowing major sports events
- Tennis player threatens to sue over safety on court
- Would your club survive a whaling attack?
- Stay safe when travelling abroad for sports events
- Does your club need Employer’s Liability insurance for volunteers?
- The night rider's guide to cycling safety
- Don't ski off without travel cover for winter sports
- Occupier duties for snow and ice - to grit or not to grit?
- Public sports venues reduce their insurance deals under new anti-terrorism scheme.
- Spring into action to protect your home this Easter
- Is your precious jewellery underinsured?
- Protect your property this winter.
- Black Friday begins! - Tips on safe shopping this season.
- What is car hire excess insurance?
- Tips on storing your classic car this winter.
- Winter driving - Top tips on road safety.
- Trick or treat? What horrors lie in store for your property this season!
- Expert renovation insurance advice from Perkins Slade
- Are you considering GAP Insurance?