If any of your kids or tenants is hosting a post-exam results party to mark a successful result then you need to think twice.

First, have you got a sufficient home insurance policy?

Second, even if your policy is adequate and up-to-date are you sure there will be enough care not to cause serious damage to the property and contents?

Well, experts say this month sees an unusual rise in the number of accidents due to exam parties and making a claim could result in higher premiums.