READER QUESTION

Q Are Christmas gifts insured if I keep them in my car boot and they get stolen?

A This will depend on your policy so it’s important you read your home and car insurance policies carefully, urges Go. compare. Not all car insurance policies cover personal possessions as standard, and those that do offer varying degrees of financial cover. And while some home insurers may offer a higher level of cover for personal possessions stolen from cars, it’s important to check the exact wording of your policy. If in doubt, it’s recommended that you ask your insurer – especially for high-value items.