Easter is looming and as always, will present the perfect time for DIY fans to dust off the tools. But beware, a leading insurer reports that they expect to receive at least one DIY related claim every nine minutes over the holiday period. Don't be a victim, plan your home improvements properly and check whether your standard home insurance policy covers what is known as 'accidental damage' before you start your DIY. It is often an 'add-on' to the core cover and you may need to pay extra. If in doubt, contact your home insurer directly.

Some ins and outs
Accidental breakage to some parts of your home e.g. baths, sinks, fixed glass doors, is included as standard in most buildings insurance. Additional cover, however, will protect against common DIY accidents such as drilling through water pipes, spilling paint on the carpet, smashing windows and losing feet through the ceiling.

If you opt to extend your home or install a new central heating system, tell your insurer. The value of the sum insured is likely to have changed and your policy will need to be adjusted accordingly. If you don't inform your insurer of any new home improvements, they can refuse to pay out in the event of a claim, leaving you to foot the bill.

Looking ahead
At renewal time, shop around for alternative quotes. Many house insurers specialise in insuring different, specific types of risk. Know what you want to buy and don't be misled by optional extras that you don't need. By shopping around you can significantly improve your chances of finding the right product at a suitable price. Use an online insurer comparison service such as Tiscali Insurancewide.com HomeWizard to find the most suitable and RELEVANT insurer. Price is not the only factor to consider. Relevance and previous success rates with your type of 'risk' profile are important too.

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