Beware Halloween scares

People could be at risk of incurring compensation claims this Halloween because of today's "where there's blame there's a claim" culture, warns independent financial research company Defaqto.

"At this spooky time of year, people could get a fright if parents choose to sue because their child tripped up a driveway, injure themselves when playing Halloween games or suffer an allergic reaction when eating home made treats," said Defaqto's Principal Consultant - General Insurance, Mike Powell.

Powell warned that people should check the liability cover clause in their buildings and contents insurance to see if they would be covered if a child injures itself on their property or suffers illness.

"People who have a dog should also check their pet insurance policy to see if it includes liability cover," suggested Powell, "as most home insurance policies' liability insurance will exclude cover if your dog injures a child."