The How-To’s of Insuring Christmas Presents
The cost of gifts can really mount up, whether you’re giving or receiving, so it’s always a good idea to make sure you’re covered for theft. As we have mentioned in our previous blogs (The Top Ten most likely Things to be stolen from Vehicles, What a Car Thief wants to see!, and How to deter a Car Thief) we have discussed how to keep from becoming a victim during the holiday rush. In this blog we will show you what to watch out for in case the worst happens. We mentioned before to hide your items in your car while you are out and about, but sometimes it isn’t enough. It’s worth thinking a bit harder if you want to fully protect yourself from theft. Away-from-home cover Drivers might assume that any theft from a vehicle will automatically be covered on their car insurance policy, but not all providers cover vehicle contents. And although you may not have actually had your new purchases in your home just yet, chances are they might be covered under the away from home section of your home insurance policy. Of course, there are restrictions, such as the items need to be out of direct sight in your vehicle or if there is a sign of forced entry.
Please contact us for a free quote on updating auto or home insurance policies that cover your new Christmas gifts! Other Christmas present safety tips Once your gifts are secured and insured there are a few other things you can do to protect yourself in case you’re a victim of theft. Credit cards offer certain protection and insurance, so paying by plastic will offer you additional benefits. If you’re buying gifts online and the company you’re buying from goes bust, for example, you might be able to reclaim money from the Credit Card company under the Consumer Credit Act. The same applies if the gifts arrive faulty or don’t arrive at all. Paying by card, credit or debit, also means the payment is recorded.
So if you’re receipts go missing along with your purchases, it won’t be the end of the world. On that track of thinking – keep your receipts separate, especially if you pay with cash. It’ll be your only proof of purchase, which could be crucial in persuading an insurer to pay out. But the overall message before you give or receive any expensive items is to give Texan Insurance a quick call to see what the situation is. That way you’ll know how far you’re covered and can make any amends or updates to help protect your belongings during this festive time.