Britain should brace itself for a rise in the number of home accidents over the next few weeks, warns Lloyds TSB Insurance. Accidental damage is the most common reason for home insurance claims according to the insurer, and as the spring DIY season draws closer the risk of injuries and domestic mishaps could rocket. With the number of homeowners reaching for the power tools escalating in the coming weeks, claims will also be on the up.
“DIY has become the nation’s most popular pastime, helped along by the vast number of home improvement programmes on TV. But while this blaze of publicity helps make DIY more appealing, it can’t make it completely safe," said Phil Loney, managing director, Lloyds TSB Insurance.
“DIY can be a great way to improve our homes, without the expense of calling in the professionals. However, we should never forget that even one small mistake can spell disaster. Home accidents are still the most common reason for home insurance claims, and if they’re to be avoided, patience and preparation are an absolute must.”
In order to help ensure that this year’s home improvements don’t turn into disasters, Lloyds TSB Insurance has published a quick fire guide which follows:
DIY do’s and don’ts
- Read instructions carefully. Don’t set up machinery or tools without making sure you have taken care to follow the guidelines. You may even be able to ask for a demonstration in the shop.
- Dress appropriately. If you’re hiring equipment, you should also hire protective clothing. Safety goggles and face masks should be a must if you’re using drills and sanders.
- Know your limits. It’s very unlikely you’ll be able to fix everything yourself. A lick of paint is one thing, but with new laws in force, electrical wiring is one you’ll need to leave to the professionals.
- Take your time. You can’t expect to do everything over a weekend or a bank holiday. It’s important you pace yourself and take breaks – tiredness can often lead to serious accidents.
- Be extremely careful with electrical equipment. Remember never to let water get anywhere near electricity, and if you are attempting work near your home’s electrical wiring, make sure you turn off the mains first.
- Get insured. Although only you can protect yourself against accidents happening in the first place, having a good insurance policy in place can help if things do go wrong. If you are unfortunate enough to have a DIY accident, the last thing you’ll want is to be saddled with an expensive repair bill.
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