At school, kids are able to paint, cut, draw, stencil, charcoal, colour and paper mache until their hearts are content. Then, the summer holidays approach and you realise that all this creative energy will have to be released over the half term. You can’t take your kids out every day of the holidays- it’s not only impractical but it would cost you an arm and a leg. So indoor activities are inevitable, especially our climate absolutely loves a good summer shower.
How do you let your kids indulge in their creative side without them wrecking your house? Around 1/3 of all home insurance claims for accidental damage is the result of a child knocking over a TV, using your new cream wallpaper as a blank canvas, or tearing a hole in your new leather corner sofa. Many parents don’t realise that your home insurance may cover you for any damage similar to that listed above, so before shelling out for any damage the little tinkers have done it might be a good idea to call your insurance provider and see where you stand.
To make sure you are covered for such damage, make sure you read all of the small print on your policy before you commit to it. You may have to extend your accidental damage cover to make sure that the items that you want to be protected are covered, so you won’t be left short in the case of an accident. Remember that most policies will not cover clothing- so keep your designer shoes and handbags somewhere out of reach of children! Other items which may not be covered are portable electrical items such as mobile phones, laptops and mp3 players. You may need extra cover for these items, so always check with your insurer. Unfortunately, most policies do not cover damage done by your pets, so it’s a good idea not to let your pooch, kitten or hamster have access to any expensive furniture or goods.
To make sure that the kids don’t damage your home, try to think of some indoor activities that won’t make such a mess. For example, replace all felt-tip pens and marker pens with crayons- if you’re child does accidentally stray away from their colouring book, crayon wax is easily removed from hard surfaces and textiles. Only allow painting (with water-colours) under adult supervision, and to avoid knocks and spills perhaps use safety gates to prevent them getting to expensive equipment.
If your child does cause a household accident and you need to replace something, take a look at our vouchers page for printable vouchersor voucher codes for a number of DIY and furniture stores, such as B&Q, Ikea and Argos.
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