Fireworks & Fire Risks: Protecting Your Property on Bonfire Night

Bonfire Night is a popular tradition across the UK. But while we celebrate with sparklers and toffee apples, it’s also a time when property risks rise. Whether you’re hosting a garden display or live near a public event, understanding your property insurance is more important than ever.

Risks

• Fire damage from fireworks or unattended bonfires.
• Smoke damage to buildings and contents.
• Accidental injury on your property, especially if you have guests.
• Vandalism or trespassing during busy public events.

Is Your Property Insurance Ready for Bonfire Night?

• Does it cover fire and smoke damage from external sources?
• Are you protected if someone is injured on your property?
• Is your garden furniture, shed, or fencing included in your coverage?
• Do you need to notify your insurer if you’re hosting an event?

Tips for a Safe and Legally Sound Bonfire Night

• Check your insurance policy for fire and smoke coverage.
• Secure loose items in your garden.
• Keep bonfires and fireworks well away from buildings.
• Let your insurer know if you’re hosting a large gathering.
• Document any damage immediately with photos and witness statements.