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Holiday cover over the festive season

Holiday cover over the festive season

With Christmas just around the corner, the last thing you’ll want to be thinking about is insurance, but by spending just a few moments checking that you’ve got the right holiday cover for all your festive needs you could save a whole lot of hassle further down the line.

If you’re staying home for Christmas…

Additional contents cover

Christmas is the one time of year when everyone goes a bit mad with spending, particularly when it comes to buying gifts for your nearest and dearest, as well as stocking up the cupboards with festive food and drink. The great news is that if you’re a UIA customer, we’ll automatically extend your home contents cover throughout the month of December by £2,500 to cover the additional value of goods we expect you’ll have in your home.

However, it’s worth noting that this doesn’t extend to high-value items, like expensive jewellery that you might be lucky enough to receive from Father Christmas. For that, you might need to take out additional single item cover for high risk specialist items. In order to get an insurance quote, make sure you retain the item receipt or a proof of purchase.

Accidental damage cover

Even with the best will in the world, accidents can and do happen, particularly over the festive period when boisterous and excitable children are bouncing around the house and people are getting into the Christmas spirit with house parties and family gatherings.

Find out what accidental damage cover in your home really looks like. Our accidental damage covers accidents and mishaps within your home. We’ll fix or replace your TVs, laptops, mirrors and furniture as standard.

At UIA, accidental damage cover is included as standard within our Signature Cover and is available as an optional extra on our Flexi Cover. To find out more, call 01438 761 776 (8.30am to 6pm Monday to Friday).

Making a claim

If you do need to make a claim over the Christmas period, then fret not! At UIA, our claims department is open 24 hours, seven days a week, and all you need to do is call 01438 51 88 55. Remember, to make the process as quick as possible, please ensure you have the following information to hand before you call us:

  • Your policy number
  • Details of the incident including what happened and how it happened
  • A list of damaged, lost or stolen items including the make, type, age etc
  • Photos of any damaged items or property
  • A crime reference number from police if necessary

If you’re away for Christmas…

Going abroad

If you’re going away for Christmas then remember to think about travel insurance, particularly if you’re planning on doing any winter sports like skiing or snowboarding, as you’ll need to ensure you’re covered against the increased risk of having an accident. UIA offer competitive travel insurance cover, including a 10% online discount for trade union members and their family and friends.

If you’re going away for Christmas then remember to think about travel insurance, particularly if you’re planning on doing any winter sports like skiing or snowboarding, as you’ll need to ensure you’re covered against the increased risk of having an accident. UIA offer competitive travel insurance cover, including a 10% online discount for trade union members and their family and friends. Click here for more information.

Keeping your home safe

Whether you’re going abroad or simply visiting family for a few days over the holidays, Christmas is, sadly, one of the times of year when burglars are most likely to strike.

Protect your property while away by ensuring that all doors and windows are securely locked. Also, make your home look as lived-in as possible by keeping lights on a timer and asking a trusted friend or neighbour to collect your mail and take the bins out.

Lock away any expensive items like laptops before you go away, and hide car keys well out of sight. Also, don’t encourage burglars to break in by leaving large boxes and packaging from expensive presents outside your property.

Guard against stormy weather

If there’s a storm or bad weather while you’re away, the last thing you want to come back to is a damaged house. Minimise the risk by lagging your pipes before you go away to reduce the risk of frozen or burst pipes. Also, keep your heating on low and on a timer, so your home doesn’t get damp and keep internal doors open to allow air to circulate.

CWU, FBU, GMB, NASUWT, RMT, UNISON, UNITE, USDAW, Ramblers' Association, BFAWU, and NAPO are Introducer Appointed Representatives of UIA (Insurance) Ltd and UIA (Insurance Services) Ltd. UIA Mutual is a trading name of UIA (Insurance) Ltd. UIA (Insurance) Ltd is a member of the Association of British Insurers and is a registered society under the Co-operative and Community Benefit Societies Act 2014. UIA (Insurance) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. CWU Insurance, Unite Insurance and Usdaw Insurance are trading names of UIA (Insurance) Ltd and UIA Insurance Services Ltd. Principal Office Address: Kings Court, London Road, Stevenage, Hertfordshire, SG1 2TP