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Homeowners to claim over the Easter breaks; The big issue.

WITH many parents looking forward to their children being at home during the Easter holidays, research from Swinton Insurance tells us insurance claims are about to soar.

Many parents will make multiple home insurance claims due to damage caused by their kids. The research shows more than a third of parents have made at least two claims on their home insurance, with each claim averaging PS418.

The study further reveals that nearly a fifth of parents admit to claiming on three different occasions to meet the costs of ruined sofas, plasma TVs and more. From smashed windows to stained carpets, our kids are responsible for a long list of misdemeanours.

The most common damage caused by kids at home are drawing on, painting or tearing wallpaper from walls, smashing ornaments, vases, photo frames and crockery and spillages on carpets or floors.

Breaking windows and doors, damaging furniture and beds, and breaking electrical items including TVs, laptops and games consoles all follow closely as accidents and horseplay lead to claims galore.

Mark Hallam, head of products at Swinton Insurance, said: "Many parents will view the Easter school holidays with trepidation. We all know how easily children can become bored, which can potentially result in hundreds of pounds worth of damage."

Dealing with the fallout of all of these accidents and damage can be very time-consuming and often lead to stressed parents needing another holiday on their own once their offspring have returned to school, but Mark Hallam reckons there are things that can be done to make sure that the level of inconvenience and stress are kept to a minimum.

He said: "Dealing with the fallout of damage caused by children can be inconvenient, stressful and costly - but having the appropriate level of contents insurance cover can make a real difference.

"While some types of accidental damage are covered as standard, parents should ensure they know what's covered by their policy.

"Adding extra accidental damage cover can help protect against mischievous mishaps."


DAMAGE Kids can be the cause of a lot of destruction in the house during Easter

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Publication:Daily Record (Glasgow, Scotland)
Date:Apr 3, 2015
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