Why should I get home contents insurance?

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by admin March 22, 2011 in Home Insurance Topics

Image courtesy of OZinOH

Being the victim of a break in, a house fire or a flood is a traumatic and heartbreaking event for everyone. Once the initial shock has subsided you will need to start the process of making a claim to your insurance provider to recover the cost of any of your belongings that have been stolen or destroyed.

To make this process as easy as possible it is important that your home insurance cover is up to date and that you can prove ownership of all the important things in your house. If you need home insurance click here. Read more…

Increasing Fuel Prices

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by admin March 22, 2011 in Insurance Auto Articles

Image Courtesy of harry_nl

It isn’t news that the current economic climate is difficult for virtually everyone. Prices for nearly everything are rocketing and most people will be feeling the result in their wallet. Whilst it may be possible to cut some corners and save a little here and there, what can you do when you’ve already economised on your groceries, stopped smoking and drinking and decided not to go on holiday this year? If all you are left with is your necessities it’s easy to feel dispirited about the possibility of making your money go any further than it already does. Nevertheless, don’t be disheartened, as you may find it is still possible to reduce your outgoings, even on those things you’re sure you can’t do without. Read more…

A standard home insurance policy may not cover fine and rare wines

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by Tiffany Parker March 21, 2011 in Insurance News

People who want to invest in fine and rare wines are being urged to make sure they have the right insurance cover in place.

Fine and rare wines will not generally be covered by a typical standard home insurance policy and will require specialist insurance, perhaps taken out as part of a high net worth home insurance, or as a separate policy, depending on the value of the collection.

Physical security has to be considered as a valuable collection could become a key target for thieves. The wine also needs to be valued, which may be a value for the whole collection, or if there are some high value individual bottles of wine, these will need to specifically referenced within the insurance policy. Further, the value will need to be regularly reviewed.

Collectors are advised to include other relevant risks in the policy too, for example water damage to labels that will devalue bottles and accidental bottle damage.

Sharp rise in claims from residential cannabis farming

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by admin March 20, 2011 in Insurance Quotes

Aviva has reported a 30% year-on-year rise in claims resulting from residential cannabis farming and is warning landlords to be extra vigilant.

According to the insurer, there were 758,700 cannabis plants seized by the police in 2009/10, a rise of 18% on a year earlier.

Eighty-three per cent of seizures were for 50 plants or fewer and Aviva settled 92 cannabis-farming claims, the highest number since the group began collecting data in 2007.

The insurer’s underwriting manager, property owners, Matthew Gordon, comments: “Almost all of the properties were residential and we often find that it is part of a larger operation or that the policyholder has had a couple of properties affected.”

He adds: “Cannabis farming comes with serious risks for landlords; properties can be completely ruined inside to make space for plants, water damage can occur and fire poses a risk due to interference with electrics or strong lighting left on for a long time.”

The cannabis farming tenant will often line walls, ceilings and doors with plastic or polythene, and windows will normally have blinds or curtains closed to obscure any activity.

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