Are your presents covered this Christmas?

Are your presents covered this Christmas?

Unoccupied houses and stacks of gifts could make your home a target for thieves over the festive period – are you covered if the worst were to happen?

See also: Where's the best-value Christmas turkey?

See also: Are these Britain's oldest Christmas decorations?

You might have the presents, food and travel sorted, but are you really #XmasReady? We've six questions to consider to help keep your home safe and make sure you don't lose out if you were to be burgled over Christmas.

Is your home secure?

At Christmas, it's not unusual to be away from your home for a few days as you visit friends and family. Burglars know this, and that there could be new, high-value items inside. The shorter days make it a prime time for break-ins.

There are a few things you can do to protect your home including installing automatic lights, locks on windows and alarms on doors – all things which might help reduce your insurance premiums too.

Are you showing off expensive gifts?

More than a quarter of people (28%) put the gifts around the tree well before the big day, according to Churchill Insurance. Though it might be lovely to do this, you could be letting prospective thieves know there are new shiny things in your home, particularly if the tree is visible from the outside.

Keep curtains closed, and don't put the presents out until Christmas Eve.

Where are you keeping your presents?

With kids adept at finding the hiding places around a home, you might be tempted to keep Christmas gifts in the garage, shed or even in the boot of your car - M&S Bank revealed two in five (38%) do this!

The problem is anything left outside the home might not be insured. Outbuildings are sometimes excluded from standard policies, and your car insurance will probably have limits.

Is your policy big enough?

When you take out insurance you're asked to put a figure on the value of all your items. You might find any claim is rejected if you've underinsured – so if you think that total has increased thanks to Christmas you'll need to talk to your insurer.

Have you bought anything really expensive?

Anything that costs more than a set limit, normally between £1,000 and £2,000, will generally need to be specified on an insurance policy. You might also have to add in laptops, bikes and any other high-risk items. So if any gifts you give or receive fit these criteria, you'll need to get them added to your policy as soon as possible.

Are your gadgets protected?

With many gifts now high tech, you might find they're excluded from your contents insurance – particularly if they're taken out of the home or are more susceptible to accidental damage.

This article is provided by the Money Advice Service.

Christmas gift ideas for women
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Christmas gift ideas for women

Jewellery is always a hit but why not go one step further and personalise it too. This Russian Ring Necklace from Posh Totty on Not On The High Street features three linked rings, each of which can be personalised with names, words or even dates as you wish. See what other personalised jewellery items are on offer here.

What's better than just looking good? smelling great too! This 'You're A Star' gift set from Lush is an explosion of luxury and amazing scents. Feel like a real screen siren with the bubble bar, body lotion, shower gel, body butter, shampoo bar, bath bombs, moisturiser and hair perfume. Have a browse through Lush's other gift sets here.
Who doesn't love the chance to dance around the kitchen, bathroom or bedroom when you have a spare minute? With this classy Roberts digital radio from John Lewis you can do it in style knowing that your listening at the highest quality. You can also pick up a mini Roberts radio if you're tight on space!

Snuggle up on the sofa this winter knowing you're wearing one of the fanciest dressing gowns out there. This long-sleeve cashmere cover up from Marks and Spencer is not only classy but sure to keep you nice and toasty. You can also get your hands on matching top and bottoms too to complete the set. If you're not quite up to shelling out almost £200 on a dressing gown then why not pick up this plush number.

Whether they want to update their perfume collection or stick to an old faithful, perfume is always a handy and well received gift. However it can also be pricey but Superdrug has the answer with some great pre-Christmas discounts including £22 off this Marc Jacobs Dot Eau de Parfum 50ml bottle. You can save on selected fragrances at Superdrug now.

You'll be a hit with the whole family this Christmas when you gift this mulled wine set from Habitat to someone special. Mulled wine may be generally reserved to winter, but there's no reason why the warm and festive drink needs to be put back in the cupboard after Christmas, keep it going through the year!

Got a movie buff in the family? Or someone who can't bear it if they miss their favourite TV programme? Why not invest in an Amazon Fire TV Stick or a Chromecast. Both these products offer the option of streaming content from your phone, tablet and laptop directly onto your TV. You'll never have to watch catch up TV on your tiny iPad again!
Mix it up with this fun (and delicious) set of Edinburgh Gins. In the box you'll get a selection of three different gins, and they're not just your run of the mill flavours either, there's regular gin, raspberry gin and also gooseberry and elderflower gin. Or you could go for the cocktail set which comes not only with two flavours but also a cocktail shaker, strainer, pouring spout and shot measurer.

The festive season is also the party season and this gift will not only come in handy for all those Christmas get-togethers but also for getting glam for the rest of the year. The Babyliss Curl Secret from Boots create 'free-flowing curls with long-lasting effect' so you can dance the night away and your hair will stay in place!

For the fashionista in your family why restrict them to a voucher from just one shop? Invest in an ASOS voucher and they'll have the chance to browse through hundreds of brands on the site. You can chose vouchers of any value between £20 and £100. If you know they're a keen ASOS shopper why not spend an extra £9.95 and buy them free next-day delivery for a year!

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