Householders can avoid Halloween scares by checking their insurance policies

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People can help protect themselves against Halloween scares, such as parents suing for accidental injuries to their children, by checking what their insurance policies cover, according to a finance expert.

Mike Powell, principal consultant at Defaqto, said: "At this spooky time of year, people could get a fright if parents choose to sue because their child trips up a driveway, injures themselves when playing Halloween games or suffers an allergic reaction when eating home-made treats."

He added that checking the liability cover clause in building and contents insurance would show people whether they would be covered in the event a child was hurt on their property.

Other advice from the financial research company included checking whether pet insurance comes with liability cover if a pet injures a child.

Meanwhile, figures from Tesco Home Insurance show that insurance claims on October 31st rise by 150 per cent compared with other days in October.

Click here to run an energy price comparison, and see if you could be paying less for your gas and electricity.

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