As winter sets in and nights become darker, the risk of burglary increases. What's more, with Christmas on the horizon, the value of contents within your clients' homes typically increases, leaving them vulnerable to opportunistic thieves.
Research, commissioned by Paymentshield and conducted by YouGov, found that 30 per cent of people have admitted to leaving windows open when they have left their home, 12 per cent have left their doors unlocked, and a further eight per cent confess to leaving a key outside their property for use in an emergency - all of which leave properties susceptible to unnecessary and easily avoidable thefts which may invalidate their home insurance.
As the days become shorter, advisers have an opportunity to demonstrate the value of their advice by helping their clients understand the ins and outs of their policy.
Amanda Fox, Insurer Relations Director at Paymentshield, said: "In the case of most policies, clients are expected to ensure that windows and doors are properly closed and locked when they are not in the property and that at night windows are only left open in rooms that are occupied. With temperatures dropping, this is less likely, but a burglary is guaranteed to ruin Christmas, so vigilance is extremely important at this time of year!"
Optional cover extensions, such as accidental damage cover, are excellent safety blankets to protect against any DIY mishaps that might occur when getting the house ready for Christmas.
Home emergency cover is another valuable addition to any home insurance policy which can save your clients on repair work, following unexpected events that have left their home unsafe or inhabitable.
"Properly alerting clients to the small print of their policy, such as security restrictions, and explaining the value of additional cover options are services that internet comparison websites do not provide. Advisers can take these burdens off the shoulders of their clients at a stressful time of year and demonstrate an expertise that could avoid life-changing consequences for their clients."
To discuss how you can help your clients understand the ins and outs of their policy book a callback with your Telephone Business Development Manager.