Caravan Insurance

Following some harsh weather in January, a new report is urging householders to ensure that their homes are protected against the possibility of severely cold conditions.

It is estimated that there will be a 15 per cent increase in the total number of claims made for burst pipes during the first quarter of 2007, with it costing £2,500 on average to repair this sort of damage.

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In fact, Lloyds TSB's report warns that, in one instance, a burst pipe led to a £156,000 repair bill and it has urged homeowners to ensure that they know exactly what to do if they themselves are affected.

Managing director for insurance Phil Loney explained: "So far this winter we've had relatively mild weather so many homeowners were caught unprepared for this cold snap.

"A little bit of effort now could save you a lot of wasted time and stress caused by problems such as burst pipes or broken boilers. To give yourself piece of mind, make sure you have adequate home insurance that will cover you if the icy conditions do take their toll."

Householders are advised to pinpoint exactly where their stopcock and valves are and to keep a torch with working batteries in a safe place, along with the telephone numbers of tradespeople who could be called in an emergency.

The prudence of having a home insurance policy is highlighted by the fact that, despite the threat posed by adverse weather conditions, recent figures by the AA showed that the price of buildings and contents cover has remained basically static for the past year.

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