With the mercury rising on our thermometers and four heatwaves already behind us, it’s safe to say summer has arrived in full force.
While we all enjoy the sunshine, it’s worth taking a few simple steps to keep your home and car safe, cool, and well-protected, especially when it comes to your insurance.
Keeping your home cool and secure
- Let heat escape: Since heat rises, leaving your loft hatch open during the day can help your home stay cooler.
- Bock out the sun: Keep blinds and curtains closed during peak sunlight hours to prevent rooms from overheating.
- Stay secure: Warmer nights might tempt you to leave windows open. Ensure all accessible windows are closed or locked with night latches to maintain your home’s security, and your insurance validity.
- Protect valuables in the garden: Items left outside such as bikes, furniture, or tools, may only be partially covered under your home insurance. Always check your policy’s limit on “contents in the garden.”
Did You Know…
Your teenagers’ contents may be insured whilst at university/college
Some home insurance policies include cover for your child’s belongings while they’re away at university, as long as they’re kept inside their accommodation. Look for this under ‘Temporarily Removed Cover’. For items taken outside the home, you’ll need ‘Personal Belongings (away from home) Cover’.
Keeping cool on the move
- Air conditioning and coolant: Have you checked your car’s air conditioning system or coolant levels lately? Heat can put extra strain on your vehicle. Regular maintenance can prevent breakdowns and keep you covered under your car insurance in case of issues.
Keeping safe in the summer
- Barbecue safety: Summer barbecues are fun, but they come with risks. Always place disposable barbecues on non-flammable surfaces away from sheds and fences, and ensure they’ve cooled completely before disposal—especially in dry, windy weather.
- Watch the windowsills: Glass objects (like mirrors or bottles) left in direct sunlight can magnify rays and start fires. Keep surfaces clear to prevent unexpected damage.
Taking a few proactive steps during the warmer months can help reduce the impact of the heat and protect you, your home, and your vehicle.
From managing high temperatures to preventing seasonal risks, preparation is key.
If you’re unsure about what your insurance covers or would like to review your current policies, our team is here to help.
Jane Hook
Account Executive
