As winter storms approach, households across the UK face the dual challenge of packed freezers and a heightened risk of power outages, according to insights from comparison platform Go.Compare.
The National Grid and energy providers have warned of potential electricity interruptions this December, driven by high winds, colder temperatures and increased seasonal demand. These conditions could see thousands of homes temporarily losing power, putting freezers full of turkeys, festive platters and other seasonal items at risk of spoilage. Google Trends data from January 2025 showed a surge in searches for "power cut freezer," highlighting consumer concern over potential losses.
Insights from Go.Compare suggest most home contents insurance policies already include coverage for freezer contents. More than 70% of policies provide £750 or more in cover, while around 21% offer £400 to £749, leaving only a small fraction with no protection.
However, many policyholders are unaware of these provisions, and in the absence of guidance, families may replace spoiled food out-of-pocket rather than claiming on their policy. This gap presents a clear opportunity for brokers to add value.
Brokers can proactively engage clients to review their home insurance policies, ensuring they understand what is covered in the event of a power outage. Advising clients to keep receipts for higher-value freezer items is crucial, as insurers often require evidence when processing claims.
By highlighting coverage before the festive season, brokers can help clients avoid unnecessary stress and financial loss while reinforcing their advisory expertise.
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Brokers can also advise clients on practical steps to protect food during outages. Maintaining space between freezer items ensures cold air circulates effectively, while simple methods like placing a coin in a cup of water can help track thawing. Policyholders should avoid opening freezers unnecessarily and stay informed about local electricity network alerts, planned maintenance, or storm warnings. Such measures reduce spoilage risk and can limit the number of claims filed.
The surge in potential claims during severe weather underscores the importance of clear communication between insurers, brokers, and policyholders. By educating clients on coverage limits, exclusions, and claims processes, brokers help maintain portfolio stability for insurers and improve client retention.
For brokers, winter storm periods are not only a time to prevent loss for their clients but also an opportunity to demonstrate the value of proactive risk management and comprehensive advisory services.
