Consumer Corner: What you need to know if things go wrong this winter

From breakins to break downs, here's why being prepared when the unexpected happens is so important

Proper preparation is key to staying safe this winter

Best-laid plans are great, right up until something goes wrong.

The car full of kids not starting on a cold Wednesday morning or a tree falling in the garden during a storm, doing serious damage. It’s worth knowing your facts when the unexpected happens to ensure you are covered by insurance. Here we look at everything from what happens if your house is broken into, if you hit a deer on a dark road, or if you buy cheap Christmas lights for your tree and they go on fire.