Since the ending of BST on 31st October we have been plunged into dark evenings starting as early as 16.00hrs or 4pm in `old money`. Whilst we have become accustomed to this seasonal change over the years, we still leave ourselves vulnerable to power failures.

Power failures resulting from a National Grid problem are unavoidable, though we should still have torches and emergency lighting around the house just in case. However, failure of power in the home, whilst to some extent avoidable, is something we can be prepared to deal with by having torches and emergency lighting to hand as above, but also by taking out home emergency insurance.

So next time you are floundering around because the lights have gone out suddenly, get your torch and find your policy document and call the emergency number.

It is not just electrical failures that are covered by this insurance and it is worthwhile taking note of the times of the year when we are most likely to need the services of an emergency tradesman.

Starting with October, this month is associated with the most broken boiler callouts. Why? Because it is when traditionally, most people fire up their boiler to heat their homes. Therefore it is the month when they find out that it requires attention!

November is associated not only with national power failures due to the obvious high winds, damaged power cables, power surges etcetera, but less daylight hours mean more usage for lighting, statistically more time at home using power and general electrical breakdowns.

December is mainly known for frozen pipes and the like, and January is the month where the most burst pipes and leaks are reported.

So, don’t be left in the dark, without heating or water, protect your self and your family with home emergency insurance.