Christmas Light Insurance: FAQs

A: You will be covered for your legal liability to pay damages, claimants costs and expenses which arise as a result of and in connection with your Christmas light or tree display. If the tree was to fall down and injure someone or damage a nearby property, you could be claimed against, which our policy would protect you against these claims.

A: The main policy condition is that the lights are erected and dismantled by a fully insured & qualified professional and approved (NECEIC & EIC) electrical contractor. If this is not the case, we are unable to offer cover.

A: Our One Off event policy will cover you for the event itself, if you take this out. Our Christmas Lights/Tree Policy is purely for the duration the display is up and incidents arising from the display injuring someone or damaging third party property. 

A: Yes, of course, we’ll tailor your policy for the duration you require.

A: Possibly, you need to speak with the council/local authority to see if they are requiring to have your own insurance.