12 days of Christmas insurance

On the 12th day of Christmas the risk elf sent to me: 12 Rats a nibbling 11 Stolen presents 10 Days no heating 9 Slips and tumbles 8 Days of flooding 7 Roadside breakdowns 6 Storms a raging 5 Power cuts 4 Frozen pipes 3 Loose tiles 2 Chimney fires And an injured neighbour threatening to sue

Before the fun starts this Christmas, make sure your insurance is ready for it.