Some good quality policies automatically give a seasonal increase in contents sum insured but not all. If you are buying presents for family please do check your insurance.

Don’t leave parcels in clear view of the windows and doors. Also, do be careful if you have to leave anything in your car as not all policies will cover theft from unattended vehicles and, if you leave things in clear sight, you will almost certainly not have a valid claim. So, do use the boot and, if necessary, close the luggage cover.

I know it’s a bit of a faff having to think about such things but it is better than having your Christmas ruined.