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Is the new Paddington Bear 50p coin worth thousands? Does the demise of Poundworld portend gloom for all ‘value’ retailers, or are some chains’ shares a bargain? 10,000, where can savers get the best return? What is inheritance tax, how do people avoid paying it and when is it taken from an estate? Candle mishaps and dozy dogs – that’s why we claim at Christmas.

Money Mail’s James Salmon looks at some of the more bizarre Christmas insurance claims. Most of us over-indulge during the festive period, but six-year- old cocker spaniel Suki took it a step too far last year. The pooch scoffed 12 mince pies while her owner’s back was turned, including the foil and packaging. Owner Amanda Anderson says: ‘I got home in the evening and she was lying on her back with her feet in the air. She was enormous – twice the size she usually is. I had to rush her to the emergency vet. She was sick all over my new car.

The vet said there was not much more he could do. She was told to buy pills the next day which would help Suki pass the foil, which risked puncturing her gut. Unfortunately, the policy from More Than didn’t cover the cost of cleaning her car. While concentrating on a game, they threw the handset of their new Nintendo Wii through the equally new plasma-screen TV.

1,000 insurance claim for a replacement. 330,000 damage on his home insurance policy. He attached candles to his Christmas tree and left the room. Unsurprisingly, the tree caught fire before spreading to the rest of the house. Christmas can also be rich pickings for thieves, with so many presents lying around. But, with pets and children running amok, losses are more likely to occur through general mishaps.

Claims can run into thousands of pounds. December so policyholders are covered for their Christmas presents. Legacy, says: ‘At Christmas, we see claims that don’t occur at other times of the year because people do things in their home they don’t usually do. These can pose a fire hazard. People just need to be more aware of risks. Whatever you do, don’t leave electrical lights on when you leave the house. When taking out home and contents insurance, go through the small print with a fine tooth comb.

Many people who think they’re covered are left high and dry when it comes to making a claim. Also check the excess – that’s the first part of a claim, which you have to pay yourself. With most insurance policies, you will be expected to cough up the first slice of any claim. Often the cheaper the policy, the higher the excess. Find the right home insurance for you. As I turned the ignition key, I glanced at my mother-in-law and headed over the embankment.