Santa is a busy man this time of year, and Backchat is sure that he doesn’t have time to think about his insurance cover.

But luckily for him someone else does. Royal & SunAlliance has prepared a list of all Santa’s Christmas risks, and has come up with the ultimate insurance package.

Included in the package is pet insurance to cover vet fees – protecting any reindeer struck by illness or injury.

Also, personal accident and business travel are covered, just in case Santa were to get stuck up a chimney or become ill from a bad mince pie.

The insurer has thought of just about everything, except… his postman.