Hidden Presents

Of course, no one should go hunting for presents as it will inevitably spoil the magic of the big day.

But, in reality, a child’s curiosity is likely to get the better of them, so parents would be wise to start thinking a little further outside the gift box.

To help keep Christmas under wraps, here’s some top tips from our Head of Home Insurance, Chris King, to keep the magic of Christmas alive:

Think outside the box

When hiding presents, make sure you avoid your child’s go-to hunting spots, such as your own bedroom – nearly a third of kids will check in your wardrobe this Christmas.

Our research found that some of the best hiding spots were less conventional rooms in the house, such as the kitchen, bathroom and the study.

Think outside the box

Have a plan B to keep the magic alive…

Despite your best efforts, there is always a chance that your kids will win the game of festive cat and mouse and find those hidden presents. If they confront you about their findings, be sure to have your response ready in order to keep Christmas alive.

When faced with the reality that kids have found their presents, the parents we quizzed admitted to becoming inventive when trying to keep the magic alive. A third (34%) have claimed that the present wasn’t for the child, while one in five (21%) say that Father Christmas had to deliver them early because he was very busy ahead of 25 December. 

Plan B to keep the magic alive

Read the small print on big ticket items

If you’re splashing out on high-value presents at Christmas, it’s worth checking the T&Cs of your Home and Contents Insurance, just in case there is an upper limit on the total value of claims, as well as on individual items.

You may even be in for a pleasant surprise, as many insurers automatically increase what you’re covered for at Christmas. This is known as the ‘special events’ clause, which sees the value of items some insurers will cover increasing by around 10% over Christmas.

Read the small prints on big ticket items

If you’re hiding presents outside the home, don’t leave yourself open to nasty insurance mishaps

Determined not to be out-smarted by loved ones, many parents resort to hiding presents outside the home, choosing places such as car boots (31%), garages (24%) and sheds (22%).

While hiding gifts in these places might seem like the perfect plan, you could be leaving yourself open to a nasty surprise on Christmas morning in the event of a theft, as it’s possible that these parts of the house may not be covered by your home insurance. Make sure you contact your insurer and check if this is the case.

Hidden presents and home insurance

Don’t forget to contact your insurer…

It might not be top of your festive to-do list, but it’s important to contact your insurers and check the policy covers any additional contents. This means if the worst should happen and the Grinch comes to steal Christmas, you’ll have the right cover in place to make amends.

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