Claims go up as ghouls take over.

With Hallowe’en and Guy Fawkes night darkening our doorsteps, insurers should beware. Not of ghouls, guys and witches, mind, but of personal injury claims, warns Defaqto.

It seems driveways may be potential trip hazards, those sweet treats may contain nuts and, as for apple bobbing, well, there’s definitely a risk of drowning.

And the burning effigy of the traitorous Jacobean presents a frightful danger should he become unseated from his fiery perch.

“At this spooky time of year, parents could choose to sue because their child tripped up a driveway, injured themselves watching fireworks or suffered an allergic reaction when eating homemade treats,” says Mike Powell, principal consultant at Defaqto.