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With Christmas the most attractive time for burglars to brave the freezing weather, one organisation has urged people to make sure that they have home insurance to protect their climbing contents value.

Indeed, as the presents start to pile up, would-be thieves may be tempted to see what expensive items they can get their hands on, warns Virgin Money.

Homeowners who have taken out a loan to cover the festive fun may also want to pay for a comprehensive home insurance policy, as well as extra security measures which could keep the burglars at bay.

And even though there is a credit crunch, Grant Bather, spokesperson at Virgin Money, says: "We'll still be spending and buying presents and entertaining and that means potentially thousands of pounds worth of extra goodies in homes over Christmas."

Furthermore, esure says that accidental damage cover is also important in case an unexpected incident occurs.

Whether spent on an insurance policy, Christmas gifts or on home improvements to boost security, secured loans could provide a much-needed cash injection for families this holiday season.