I often wonder when trying to compare home insurance prices what they see as a risk. For example, burglary, home contents and period features all affect home insurance – but do insurers take into consideration Christmas?!

Never is a home more a risk apparently than at Christmas. Not only are there expensive gifts in the house, but talk about the electricity from the oven for cooking to all the lights used. Over loading sockets with electric lights indoors is a sure way to start a fire – so maybe there should be a Christmas policy too?!