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Halloween Hazards - Insuring for the unforeseen

Halloween is fast approaching and it is one of the most popular holidays of the year. With zombies and ghosts running around the streets, we'll provide the right insurance cover for you.

Car Vandalism

Vandalism during Halloween is a common crime committed. Raw eggs, silly string, rocks, pumpkins etc are thrown at vehicles sometimes as a joke or it can also be targeted crime. Rocks can cause broken windows and raw egg can be more damaging than people think. If you do not wash off the egg quickly, it can permanently stain the paint of your car. Furthermore, egg shells break relatively easily, and when thrown at high velocity the shells will shatter into sharp shards. The shards of the shells can cause superficial scratches to the surface of the protective clear coat on the car.

How can Pace Ward help provide insurance for this hazard? Any significant car damage such as broken windows and large scratches to the paint is covered by the comprehensive insurance cover.

Pedestrians act unpredictably

Pedestrian death spikes up by more than 40% during Halloween, researches at British Columbia found out. Data from NHTSA shows that between 2012 and 2016, 44 percent of all people killed in car crashes on Halloween night had an accident involving a drunk driver. These statistics show Halloween, there are more pedestrians walking about and more cars on the roads which leads to accidents.

How can Pace Ward help provide insurance for this hazard? If you are involved in a car crash, we can handle your claims from the start to finish while providing a personal touch.

Fire

Similar with vehicle vandalism, residential fires are common around Halloween. Unfortunately, this can be caused from other people trying to vandalise your home but also fires can happen because of an internal cause such as cooking, heating or electrical malfunctions. Fires do not need much explanation of how much damage they can cause to homes.

How can Pace Ward help provide insurance for this hazard? Fire damage is covered by home insurance which we can provide.

Theft

During Halloween, many people will come into your front yard or porch to ask for sweets and chocolates. However, some people will also try to steal your belongings from outside your home.

How can Pace Ward help provide insurance? We can provide contents insurance. This covers all the items in your house which are not fixed within the property, for example furniture, jewellery, appliances and clothes. The amount of contents insurance you’re likely to need will depend on the amount you’d need back to replace the item. The 'sum insured' is the maximum amount your contents insurance policy will pay out if your item is totally destroyed.  

Contact us here or alternatively call us at 01782 286311 for a quote or any enquiry!


Pace Ward Limited & Pace Ward Financial Solutions Ltd

6 Ridge House, Ridgehouse Drive, Festival Park, Stoke on Trent, ST1 5SJ

Tel: 01782 286311

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Pace Ward Limited are Independent Insurance Brokers who are authorised and regulated by the Financial Conduct Authority. A member of the Compass Network. Pace Ward Ltd Registered Office - 6 Ridge House, Ridgehouse Drive, Stoke on Trent, ST1 5SJ - Registered in England & Wales Number 4812481

Pace Ward Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority. Pace Ward Financial Solutions Ltd Registered Office - 6 Ridge House, Ridgehouse Drive, Stoke on Trent, ST1 5SJ - Registered in England & Wales Number 4812481

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