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The Big Bang

The Big Bang!
Bonfire night is nearly here and thousands of people will go out, join in public firework displays or will opt to have a party at home. Have fun – but be careful!

If you plan to have a firework party at home this Bonfire Night, you might want to check that your home insurance policy includes adequate personal liability protection which will insure you should an accident occur – otherwise you could end up with a costly bang! Just remember that fireworks are dangerous – even a simple sparkler can reach temperatures of up to 2,000°C!

It is advisable to make certain that you check the small print in your home insurance policy. Most insurers will provide cover for personal liability to the tune of £2,000,000 – however insurers can vary in the levels of cover they provide, so it pays to check the small print!

Statistics indicate that over 6,600 people are injured and treated for firework related injuries each year – and half of these injuries happen to children under the age of sixteen. If ANY accident occurs on your property you could be liable for a personal injury claim – and not having sufficient personal liability cover in place could leave you severely financially hurt.

If you are planning a firework party at home, make sure your home insurance policy is up to date and that you have sufficient personal liability cover. It is worth checking too that if you are attending a party at someone else's house that they are properly insured. It may seem like a strange question to ask, but imagine a member of your family being burnt or maimed....

Don't forget to think about your four-legged friends when it comes to Bonfire Night. Fireworks cause distress, disorientation and a degree of panic which can lead to accidents and animals going missing as they seek cover and tranquillity. You can insure your pets – so should you need to seek the advice of a vet because of an accident caused on firework night, you will have cover in place.

A few handy tips to remember for Bonfire Night so you keep the party spirit in safety are:

>Keep a watchful eye on children – makes sure they are dressed appropriately and wear gloves when handling sparklers
>Make sure party goers stand well away from the area where the fireworks are being let-off.
>Try to ensure there is not too much alcohol involved prior and during the firework show.
>Keep your pets indoors. Close windows and doors and perhaps play some music to drown out the noise of the fireworks. If you have garden dwelling pets such as bunnies and guinea pigs, think about taking them inside whilst the whizz bangs go off.
>Call Westhill Insurance Services if you have any doubts about your home insurance and personal liability protection. A few minutes to check all is well will make sure there are no nasty surprises in those bangs!

Contact Westhill Insurance Services, today.

Posted on 1st November, 2010