Get insurance so fireworks night goes out with a bang
Insurers have urged individuals to purchase public liability insurance, if they are going to use fireworks in the forthcoming Bonfire Night.
They have advised sports clubs and others holding fund-raising events on Guy Fawkes’ Night, to ensure they have cover against potential compensation claims for damages to people or property.
Around 2.8 million people are planning to hold a bonfire party at home this year. However, research revealed that almost two million British homes have been damaged as a result of fireworks going astray, with each incident costing an average of £307 to put right.
Mike Pickard, head of risk and underwriting at an insurance firm, stated: “Fire is dangerous wherever it is, but on Bonfire Night, the risks are magnified. Without personal liability cover, a valid claim could be pursued against the assets of any individual including their earnings, property or other possessions.
“If the organiser has failed to read instructions, ignored recommended 'setting off' distances or lit fireworks while inebriated, a claim could easily ensue – especially given the growing public awareness of the potential for litigation,” he said.
Updated on 28/10/2009