Santa's big surprise

Are you spoiling someone this year?

• Great you got that new mountain bike you wanted or you decided to surprise someone with a new item of jewellery. It may be that if it is over a certain value that you need to specify it on your contents policy to ensure it is covered.

• More often we are finding people letting out their home for short term rental through Airbnb or Book a batch. This needs to be advised to your insurer or you could find you have no cover so please just check with us anytime.

• For overseas holidays just check that you have travel insurance covered and that you have disclosed any medical conditions fully and if you are taking higher value items that they are covered too.