Christmas Light Insurance: FAQs

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.

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.

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. 

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

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