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Accidents in the home

Press release: 23/07/2010

Accidents caused by Brits drinking and partying at home this summer is predicted to leave UK homeowners with a total repair bill of £264 million [1].

New research by LV= home insurance suggests that the explosive combination of the football world cup and hot weather has fuelled a boom in alcohol-related accidents, as Brits increasingly hold parties at home. Based on last year's breakages, 73,000 TV/computer/games console accidents, 686,000 stains on carpets and 955,500 breakages have already happened this summer [2].

Over half of these accident-prone entertainers admit that alcohol was involved, with nearly a third of people (31%) admitting the guest who did the damage was 'quite drunk' when the accident happened. A further 44% admitted they were 'a bit tipsy' at the time.

The most common accident was broken glass or crockery (29%), followed by spillages causing damage to furniture (22%) or stained and damaged carpets (20%).

LV= is today warning homeowners to ensure they opt for accidental damage cover as part of their home insurance, so that if any serous mishaps occur they are not left out of pocket paying to put the damage right.

According to the LV= survey, one in five Brits (19%) expects to entertain more this summer than last year, with the average household hosting three gatherings over the season. The hot summer appears to be making Brits more likely to open their doors to friends, with close to half (49%) citing the weather as a major reason to celebrate at home.

The wave of sporting events this summer is also encouraging one in eight Brits (12%) to entertain more, while 5% claim that a TV event like an X-Factor final spurs them to plan a party. Around one in seven parties (15%) ends in some sort of damage caused either by the host or an over-enthusiastic guest.

Four in ten home gatherings this summer (40%) will involve a barbecue, while the popularity of TV's Come Dine With Me continues as close to a quarter of Brits (23%) try their hand at dinner parties.

The research findings echo internal home insurance claims data from LV=, which shows that homes suffer more accidental damage over the summer months than at any other time of the year.

John O’Roarke, managing director of LV= home insurance, said: "Everyone enjoys having get-togethers at home and the hot weather is a great excuse for a party. But our research shows that having friends over can often result in accidents and we see thousands of insurance claims each year for problems like red wine spillages on carpets. We are therefore warning homeowners to ensure they have accidental damage cover as part of their home insurance, so that they're protected in the event of anyone celebrating too enthusiastically."


All research unless otherwise specified was conducted by Opinium Research. Opinium carried out an online survey of 2,015 UK adults aged 18+ from 22 to 25 June 2010. Results have been weighted to nationally representative criteria.

The adult population in the UK is 49,121,000 – source: population projections by ONS, 2010. All grossed up figures in this press release are based on this source.

[1] According to the research, last year around 11% of Brits had accidents while entertaining in the home. If a similar number (11%) of Brits have accidents this summer while entertaining this equals 5.3m. 56% of people admitted drink played a role in the accident equalling 2.97m who will have home accidents while entertaining at an average cost of £89 per head, or a collective total of £264,330,000.

[2] 5% of Brits have already broken things in the home this summer while entertaining, equivalent to 2,450,000 Brits. Around 29% (955,500) of home accidents while entertaining are crockery or glass breakages, 20% are carpet stains (686,000) and 1% are TV or computer screen cracks (73,000).


LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies.

LV= employs over 4,000 people, serves over 3.8m customers and members, and manages around £9.5bn on their behalf.

Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514, is authorised and regulated by the Financial Services Authority, register number 202965. Registered address is: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333