Despite what some people may think, insurers do want to settle claims fairly and therefore keep clients happy. However, the following list highlights 10 things you should do to help ensure your claim is NOT settled quickly and in full! Don’t notify your claim promptly. In some cases, this can increase the cost of the claim… Read more »
Tag: high value home insurance
Insurance for Students
With children going off to university, perhaps for the first time, insurance to cover their belongings is probably not the first thing on your mind. However, whilst many home contents insurance policies now include cover for belongings of students at college or university, there are a few things to watch out for, as highlighted below: The cover may be… Read more »
Insurance Tips – Autumn Weather
With autumn upon us and winter approaching, now is a good time to start taking some precautions to help prevent damage and keep you on the right side of your insurance policy conditions. Your Home Keep gutters and gulleys clear of leaves and other debris to help prevent water damage and flooding. Check the condition… Read more »
Underinsurance – Not a risk worth taking
I frequently meet home owners who are not correctly insured and do not realise the effect it can have. The following article sheds some light on the subject My property will never be totally destroyed so why should I insure for its full rebuilding cost? Firstly, IT IS possible for a house or commercial property to be… Read more »
Trace and Access Insurance – What’s it all about?
What’s the problem? There is a water leak in the house but is it coming from under that wooden floor or from behind that new tiling in the bathroom? What often happens? An insurer will pay for the damage caused by the leak e.g. carpets and decorations, but often WILL NOT pay for the cost… Read more »
Home Insurance Tip
Should the worst happen and your home is damaged by fire, it can often be difficult to remember what was in a room at the time. It is also important to be able to show your insurer what you are claiming for. A simple solution is to take a few photographs of each room from different angles…. Read more »
Keep an eye on your valuables
The price of gold has increased by over 200% in the past five years (Source www.goldprice.org) and this has led to an increase in the replacement cost of jewellery. Your insurance policy will require you to insure jewellery for the full cost of replacement as new or for its market value, so that the ring or… Read more »
Is your security adequate?
Door & Window Security Introduction Theft is a risk facing nearly all premises, and a suitable level of physical security should therefore be provided to all accessible external doors and windows. There are many different forms of locks and related British, European and other security test standards. This document, therefore, provides some general advice on… Read more »
Home Insurance Premiums Soar
Home insurance increases reflect record winter claims AA research shows home insurance premiums show little signs of reducing. The latest AA British Insurance Premium Index shows the average Shoparound premium for Buildings cover went up by 14% over the 12 months to the end of March to £147, with the cost of a contents policy… Read more »
A New Insurance Broker for Bromsgrove
Take Cover – Without Tearing Your Hair Out! A newly launched expert insurance provider is ensuring it stands out from the crowd, by offering its clients the personal touch. Andrew Phillips Insurance, with its new head office in Bromsgrove, and Managing Director Andrew Phillips are determined to give private and business clients alike up-to-the-minute advice,… Read more »