Crowded shops, large ATM withdrawals and expensive presents all add up to opportunities for the common criminal – and heartbreak for you and your family.

While Christmas is a time for giving, it can also be a time for taking. Insurance claims for theft over the Christmas period rocket by more than 20 per cent.

Below you can find our top security tips for enjoying a safe Christmas.

• Be vigilant when withdrawing money from an ATM. Simply move on if there are any suspicious-looking individuals hanging around.
• Protect your PIN number; always shield the keypad with your hand.
• If you feel the ATM isn’t working normally, press Cancel, withdraw your card and try another machine.
• Keep chequebook and cheque card separate.
• Keep your purse or wallet close to your body and carry as little cash as possible.
• Shopping early means fewer crowds and less opportunity for pickpockets.
• Keep aware of who is around when using your mobile phone in public places.
• Do not leave presents and bags on show in vehicles as easy pickings.
• Always park in well-lit public places.
• Don’t leave your presents and gifts under your Christmas tree or on view.
• Beware of bogus callers; fit a ‘spy hole’ and chain to your door so you can safely see and hear who is there.
• If you are away for Christmas, don’t forget to cancel the milk and paper before you go. And make the house look occupied with time-operated lights and radio.
• Make sure your home phone doesn’t announce you’re away. Avoid setting messages like ‘Sorry we are not at home’.
• Most importantly, don’t forget to set your intruder alarm system.

Stay safe and have a Merry Christmas!