Bonfire Night: check your liability

Thursday, 05 November 2009 06:00

Insurers are urging Bonfire Night revellers to check their public liability section of their household insurance policy if they are planning to throw a party this evening.

While most household policies will cover damage to hedges and sheds from over-enthusiastic bonfires, insurers are also warning consumers to make sure they are covered for damage to guests or a neighbour's property.

Julie Owens, head of home insurance at moneysupermarket.com, said: "It's a shame that fireworks cause hundreds of avoidable injuries every year, especially as they should be so enjoyable.

"Parties at home are a great way to celebrate the night, but if someone burns their hand on a sparkler or on the bonfire, you could find yourself liable for any injury or damage if you are not covered by insurance, and also face 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."

James Hillon, head of home insurance at The Co-operative Insurance, added: "We all love Bonfire Night and we are certainly not trying to pour cold water on anyone's enjoyment - we're just asking people to think of the safety of their homes, their cars and other people's property, as well as themselves, this year."

The insurers urge anyone throwing a party to check their policy booklet and make sure they have liability insurance, and to phone their insurer if they have any questions.

Moneysupermarket.com's top tips for staying safe this Bonfire Night:

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• Keep a close eye on children. Ensure that they wear appropriate clothing, especially gloves, when near bonfires or sparklers
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• If you have a Bonfire party, ensure that there is sufficient space between the fireworks and the guests
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• It is also advisable to not drink in excess, and to ensure that outside areas are well lit
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