July 30 2014 Latest news:

Householders planning to celebrate Bonfire Night are being warned to take proper precautions or risk seeing things go off with a costly bang.

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Organisers of public bonfires and fireworks displays are responsible for taking the necessary precautions – but if you are planning an event in your back garden, the onus falls on you, and it’s important to make sure you are properly covered in case anything goes wrong.

It is not just your property that needs protection – although, obviously, you would do well to make sure your home insurance gives you sufficient cover should your house burn down.

You should also make sure you have adequate personal liability protection that would cover you in the unfortunate event of someone being injured by a firework or a bonfire.

Most insurance policies include personal liability cover of £2m, but it varies between providers so read through the smallprint of your policy carefully.

More than 6,600 people are injured in firework accidents each year, with half of these injuries happening to children under 16, and if any accidents occur on your property, you could be liable for a personal injury claim.

“For those hosting a fireworks party at home, it is essential to ensure your home insurance policy is up to date and that you have adequate personal liability cover,” said Peter Harrison, of Moneysupermarket.com.

“In the event of an accident such as someone getting burnt on the bonfire, you could find yourself liable for any injury or damage if you are not covered by insurance. You could find yourself facing a hefty payout.

“The same applies if you are at a friend’s party and are injured by a firework, as they will need to have adequate insurance to cover any claims.”

Meanwhile, Stuart Curson, head of home insurance at Direct Line, repeated advice for people to lock up their homes on Bonfire Night.

“It is easy to understand why Bonfire Night is an open invitation for burglars,” he said.

“With homeowners out attending organised displays, or even just in the back garden, the noise and dark nights provide the perfect cover for thieves.

“Our statistics show that evening celebrations do tend to encourage burglars to try their luck, so homeowners should plan their home security accordingly.”

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