Remember, remember… make sure you are covered

If any accidents occur on your property, you could be liable for a personal injury claim, and not having enough personal liability cover in place, could leave you severly out of pocket.

Julie Owens, head of home insurance at moneysupermarket.com, said: "With Bonfire Night looming, and thousands of Guy Fawkes fans planning to head out to enjoy an exciting fireworks display, I would urge people to remember that safety has to come first. Fireworks should be enjoyable but they can also be extremely dangerous; even a simple sparkler – a firm family favourite – can reach temperatures of up to 2,000°C.

"For those planning a fireworks party at home, it is essential to ensure your home insurance policy is up to date and that you have adequate personal liability cover. In the event of an accident such as someone getting burnt on the bonfire, you could find yourself liable for any injury or damage if you are not covered by insurance. In addition, you could find yourself facing a hefty payout. The same applies if you are at a friend’s party and are hurt by a firework, they will need to have adequate insurance to cover any injury.

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