STORM OR FLOOD - The definition of a storm varies from one insurance company to the next - check your policy. Damage from frost is excluded although snow damage is covered. A common area of disappointment is that damage caused to gates, hedges and fences is not insured. Some fences seem to blow over with even the most mild gust of wind! There is at least one insurer offering additional cover, at a premium, for storm damage to these items.

RIOT, CIVIL COMMOTION etc. - Again, it is rare for such activities to cause damage to your home, but should it happen, you have cover in place. In certain circumstances, your insurance company will be within their rights to recover their outlay from the police force.

OIL LEAKAGE - For those with oil fired central heating, any damage to your house caused by oil leakage is covered.

TELEVISION, SATELLITE AERIALS - As indicated above, your house is protected if any receiving aerial collapses and causes damage. But the items themselves are classified as contents and thus, not included in your house insurance policy.

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