Insurance Blog

Planning major building works? Here’s what you need to know

Major home improvements, such as a kitchen extensions or loft conversions, can make a home look great and add value to a property. But decent preparation and planning prior to the work starting is crucial. Get your council permissions wrong or employ a dodgy builder and the work could become a nightmare and even have a…

Understanding your insurance – what are “named perils”?

Understanding the jargon the insurance industry uses when defining insurance products can be somewhat difficult. One of the key terms used in house insurance is ‘named perils’, and it’s useful for those seeking home cover to understand what this means. Defining ‘named perils’ Some home insurance policies provide more limited cover than others, and are…

Buying a house – what do you need to know

It might be a bit of a cliché, but there’s a lot of truth in the common complaint that buying a home is an extremely stressful business. However, a lot depends on the preparation you make going into the process. Decent research and being organised will go a long way to helping you keep on…

Is your home autumn-ready?

Sticking out into the Atlantic Ocean helps increase the UK’s chances of being hit by  winter storms and it’s a good idea for Brits to take precautions to protect their homes as the weather worsens in the autumn. However, research from insurer Policy Expert shows that while a good number of householders sensibly prepare their properties,…

Daylight saving leaves millions of homeowners in the dark about opportunistic thieves

Millions of homeowners risk having their homes burgled due to their inaction when the clocks go back at the end of October, latest research by insurer Policy Expert shows. 1.3million households risk burglary Despite figures from the Office of National Statistics revealing that 1.3million householders will get home later this winter than last, more than…

Using your phone as a sat nav? You could be flouting the law!

Every driver is aware that using their mobile phone for texting or calling friends while driving is illegal. But many don’t realise that using it for sat nav directions can be as well. There’s a right way and a wrong way to go about it, and improper use might lead to a points on your…

Prevent leaky pipes and radiators this autumn

If you’ve ever had a leak in your house, you’ll know how stressful it can be trying to stem the flow, stop further damage and find a plumber to come and sort things out. If you can’t find someone to come out quickly and water continues to leak into your home, the damage can soon run…

Brits risk hundreds of pounds worth of hobby equipment at home

If you have a hobby, the equipment you might need can cost a small fortune, such as expensive cameras, golf clubs and musical instruments. But many Brits are taking big financial risks by not having the right sort of home insurance for their gear and by keeping it in outbuildings with poor security, latest research…

How much are the contents of your child’s backpack worth?

Are you one of the parents trusting your five-year-old with £239 worth of valuables in their school backpack? Parents are risking letting children younger than six-years old go to school with valuables worth an average of £239. And many don’t have the right sort of insurance to cover them if things go wrong, latest research…

Save money and go green!

We all want a home that is warm and cozy, but with energy rates rising across the board, this is increasingly difficult to achieve. New homes are built to improved energy standard, with insulated walls, ceilings, floors and energy efficient windows to keep warmth in, but that doesn’t help those in older properties. Don’t worry…

Do you understand the small print?

We all know the small print is important, but hands up who actually bothers to read it? At least one-in-twenty (5%) admitted in a recent survey that they never read terms and conditions. Just under one-in-seven (15%) either don’t bother, or sometimes read them, but for less than a minute. Only one-in-four (25%) say they…

‘Black box’ insurance – is it right for you?

  ‘Black box’ insurance, also known as telematics and ‘pay-per-mile’ cover, allows insurers to electronically monitor a car owner’s driving in exchange for lower premium payments than the policy holder might otherwise pay. Typically, a policy stipulates how many miles can be driven each year or month and at what times of the day, which…

The rise of the “bank of mum and dad” in house buying

House prices are at record highs across much of the country and for many first-time buyers the only way to get onto the property ladder is with help from the bank of mum and dad. Here are the main options for parents, and even grandparents, who want to help their offspring buy a home: Gifted…

Insuring an electric car

Electric-powered cars are rapidly becoming much more popular, with vehicle registrations increasing 32% in the last year. In fact, Volvo recently announced all cars rolling off its production line will be electric in just two years-time. Other major manufacturers think they’ll follow suit some time during the 2020s, especially as France and the UK have announced…

How to add value to a home

Many people get back from summer holidays and start making big life decisions in September, such as whether to move home or not. This is borne out by statistics which show it’s the second busiest month for property websites Rightmove and Zoopla, according to home seller eMoov.co.uk. But with moving costs on the average home…

Britain’s seaside gems

Britain’s seaside towns have undergone a renaissance in recent years and places such as Newquay in Cornwall and Whitby in North Yorkshire have become desirable places to live. With old cottages and townhouses being renovated, and seafronts, high streets and beaches getting major makeovers, there’s now a vibrant feel to plenty of places on the…

Buckle up for an expensive wedding season

Be warned, wedding season is expensive: if you’re invited to a wedding, and are also going on the hen or stag do beforehand, expect to spend almost £600! For most couples, getting hitched is an expensive business and there’s usually lots of sympathy for the bride and groom, or parents if they’re paying. But spare…

Your holiday checklist

If you have a busy job, kids to organise and a home to lockdown, the days leading up to the big annual summer holiday can be quite stressful. But if you don’t do a number of important things before you go, you could end up with much more stressful situations to deal with – failing…

10 things that can accidentally invalidate home insurance

The nightmare scenario for anyone making an insurance claim is having it turned down, leaving them without any financial help to put things right. If the claim is only for a few hundred pounds, this might not be such a problem; but imagine if your house burns down, and you can’t claim to have it…

Wedding insurance – should you say “I do”?

If you’ve spent a small fortune on your wedding, could you afford for things to go so wrong it has to be cancelled without having any insurance cover in place? With the average spend on a wedding hitting £25,000 last year, according to wedding website hitched.co.uk, you might be taking a huge financial risk by…

Staycations vs foreign holidays: Are you covered?

Latest research from the insurer Policy Expert reveals that three-quarters of its customers have taken a holiday within the UK over the last year, but half aren’t insured. Staycations are hugely popular When asked how often they go away within the country’s borders, just under a third (31%) say they do so once a year….

How to get the best deal on your home insurance

Regularly switching your home insurance provider is a smart thing to do if, like most people, you want to save money. Figures from the insurer Policy Expert show that, on average, its customers save £71 by doing just that. And those with bigger, more expensive homes to insure could save hundreds. Cheapest deal could spell…

Bicycle touring – is your bike covered?

Bicycle touring holidays have surged in popularity in recent years, reflecting the huge increase in interest in cycling, helped by the success of professional cyclists such as Bradley Wiggins. This summer thousands will head off for cycle tours in the UK and abroad on bikes worth hundreds or even thousands of pounds. But will riders…

Road tripping in Europe? Here’s what you need to know

Zooming around some of the fantastically built and often empty roads they have in countries like France, Italy and Spain can be great fun. But if you don’t familiarise yourself with the different rules and regulations involved with driving abroad, such as the documentation you need, drink-driving limits and insurance issues, your holiday could be…

Quick fixes to add value to your home

When it comes to judging something on its looks, anyone who’s possibly spending hundreds of thousands on the biggest investment they’ll ever make is going to be a harsh critic. The good news is that even if you don’t have the most amazing home, there are a number of tips and tricks to help you…

Festivals – stop thieves spoiling your fun

If you’re going to a festival this summer, take care; while you’re filling your ears with music, a thief could be filling their pockets with your possessions back at your tent. Festivals and camping holidays are now big business in the UK, having grown hugely in popularity since the 1990s. And latest research by insurer…

Tennis, kids and your home cover

Wimbledon, a bit like the football World Cup, inspires children all over the country to pick up a ball and knock it about in the back garden. Some kids might be lucky enough to live somewhere with a tennis court in the garden. But it’s more likely they’ll be whacking it at each other, or…

5 things to remember when hiring a camper van

Camper vans and other RVs (recreational vehicles) are cool again. Sales are rocketing as retired baby-boomers and younger urbanites fall in love with the freedom they provide and the chance to escape today’s 24/7 culture. It’s easy to see why; from wild camping to a quick weekend in Cornwall with the surfboard on the roof,…

Property round-up: It’s becoming a buyer’s market

The UK property market is going through a significant slowdown, with prices stagnating or even falling in some areas, latest figures suggest. Recent data from the most closely watched housing market indicators released by Halifax, Nationwide and the Royal Institute of Chartered Surveyors (RICS), all point to increasingly poor conditions for sellers in many areas….

Is your shed a secret treasure trove?

UK sheds contain possessions worth billions, but many aren’t insured Britons famously love their garden sheds, and latest figures show we also stuff them full of valuable possessions. Research by insurer Policy Expert reveals that 95% of the owner-occupiers it surveyed have sheds of various types containing items with an average value of £1,787. As…

Social media: better to be safe than sorry

What not to post on social media Many people don’t realise that posting on social media sites about holidays could not only give burglars and other criminals crucial information, it could also negate any home insurance they may have. The threat has become so serious that the UK Police recently warned “Social networking sites like…

Gnome ownership goes crazy with thousands spent on gardens

Garden gnomes are much-loved among British gardeners. So much so, in fact, that it was only a few years ago that the famous Chelsea Flower Show lifted its gnome-ban, having previously considered the little figurines too tacky. With the annual Chelsea show coming up at the end of May, gnomes will feature prominently and latest…

Protect against garden fires!

London’s burning: Fire brigade stats show garden fires rocket in summer With the longer, hotter summers climate change is bringing, people are spending more and more time out in their gardens barbecuing and using fire pits. However, recent statistics highlighted by the insurer Policy Expert suggest that householders should be taking more care with their…

Insurance tax increase

What the insurance tax increase means for you On the 1st of June this year, 2017, the tax that the Government applies to most types of insurance policies, such as for cars and homes, is increasing by 2%. Insurance Premium Tax (IPT), as the levy is known, has risen quickly in recent years as it’s…

Save on your car costs

For the majority of people, car costs are an unavoidable part of everyday life. From motor insurance to road tax and MOT costs, not to mention garage fees, keeping four wheels on the road is a considerable financial burden. Just to add to the misery, the Government has, from the 1st of April 2017, changed…

Insurance renewal: what’s important to you?

New rules regarding the information insurers must provide when a policy comes up for renewal reflect the paramount importance placed on price by consumers, latest research shows. New renewal rules The legislative changes, which came into effect in April, mean that insurers must now remind customers of the cost of the previous year’s cover, and…

DIY: love it or hate it?

DIY for the wrong reasons It’s the time of year when thousands of Brits knock about their homes while doing DIY projects that vary from a simple paint job to putting in a whole new bathroom. But latest statistics from the insurer Policy Expert show that many do so for reasons which court disaster, and…

What regulatory changes mean for consumers

New policy rules benefit consumers, but beware price mismatch New rules regarding the information insurers must provide at policy renewal time should be of significant benefit to consumers, latest research from the insurer Policy Expert shows. The changes, which came into effect this April, mean that when insurance policies come up for renewal customers have…

DIY and Bank Holidays – perfect mix or recipe for disaster?

During the Easter break, thousands of DIY enthusiasts will have  had a go at home improvements they put off over the winter months. But what many don’t realise is that their home insurance may not cover them for the damage their DIY tinkering can do, whether that’s to their property or themselves. Accidents aren’t always…

Get smart with your travel cover

The smarter holidaymakers out there always like to be insured when they head off on their summer hols, weekend breaks and winter ski trips.

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