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Remember remember, accidents can happen this 5th of November

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Brits are being urged to make sure that their home insurance policy includes adequate personal liability protection to cover any accidents as the nation gets set for bonfire night. is warning homeowners to check the small print of their home insurance policy to make sure they have personal liability protection that provides cover for accidents over £2,000,000 – as this can vary between insurers.

Over 6,600 people are injured in firework accidents every year, with half of these injuries happening to children under 16, according to statistics from the Department of Business, Innovation and Skills (BIS).

Moneysupermarket says that if any accidents occur on your property, you could be liable for a personal injury claim, and inadequate personal liability cover could leave you severely out of pocket.

Hannah Jones, home insurance expert at, said: “If you are hosting a bonfire night celebration at your home, it is essential your home insurance policy is up to date and that you have adequate personal liability cover.

“In the event of an accident you could find yourself liable for any injury or damage and facing a hefty payout.

“The same applies if you are at a friend’s party and are injured by a firework; they will need to have adequate insurance to cover any claims.”

Pet owners are also being urged to consider cover for their furry friends, as fireworks can cause distress, disorientation and panic – which in turn can lead to accidents and animals going astray.

MoneySupermarket’s top tips for staying safe this Bonfire Night:

Keep a close eye on children. Ensure they wear appropriate clothing, especially gloves, when near bonfires or sparklers

• If you have a Bonfire party, then allow for sufficient space between the fireworks and the guests. It is also advisable not to drink to excess, and to check outside areas are well lit.

• Keep pets indoors. Close windows and curtains, and switch on music to drown out the noise of fireworks, and don’t forget smaller pets living outside, like rabbits and guinea pigs, can be brought inside for extra protection.

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