Insurance Blog

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.

Dogs and the law

Most people love dogs as they’re usually friendly, loyal and fun companions. However, their strong jaws and teeth can cause extensive damage, and their often boisterous behaviour sometimes causes accidents. But after fairly recent changes in the law, there is more to being a responsible dog owner than keeping them fed and watered and taking…

What will the kids break this holiday?

Kids, eh? They do the most ridiculous things, and it can all be very funny; except when their mischief ends up costing you a fortune! From kicking a football through a stained glass window you might have had lovingly restored, to knocking a bottle of wine over your brand new designer sofa, children can be very…

Stay safe in the kitchen

The kitchen is many people’s favourite room; it’s where many of us socialise, chat and, of course, eat the most. However, it’s also the most dangerous place in the home when it comes to accidents involving heat and flames. 7,000 injured each year Figures from the Government’s Fire Safety Advice Centre show that around 7,000…

Spring clean your finances

Spring is upon us and just like cleaning out your kitchen cupboards and re-organising the garage, giving your finances a good scrub down should be part of your annual routine. Ideally, of course, you’d take a look at how you’re doing financially more than once a year, but even if it’s only every 12 months,…

Help! My home is flooded

It has been raining for days, water is rising steadily around the house, and it is now almost certain that you will be flooded. What do you do now? You should of course deploy all the flood resistance tactics we’ve covered in other posts, such as moving as many valuables, rugs, curtains etc upstairs as…

Protecting your home from floods: Resiliance

In our last post on this topic, we covered flood resistance (keeping water out of your home). This post will focus on flood resilience; the art of minimising the damage that flood water does. The measures listed below will help reduce the numbers of fixtures and fittings that need to be simply tossed out after…

Protecting your home from floods: Resistance

Unfortunately, an increase in severe weather over the last few years has seen flooding become more common. Whilst you may appear to be solely at the mercy of rising water levels, there are a few things you can do to reduce the impact on your home, and state of mind Flood protection comes in two…

School holidays mean accidents at home

Children are one of the major causes of claims for accidental damage on home insurance, and school holidays are ripe for disaster as they often get bored and become prone to mischief! Accidental damage cover is vital From knocking over expensive glassware to spilling drinks on expensive new rugs, kids can bring chaos. Not that…

Protecting your home from bad weather

Many homes in the UK have been hit by terrible weather in recent years; from winter storms to the extensive flooding of 2013/2014 and the big freeze of 2009/2010. But if your property isn’t correctly prepared to face nature at its most powerful you may have to claim on your home insurance, pushing up premiums….

Is your engagement ring insured?

Proposing on Valentine’s Day is still a very popular thing to do. But it’s vital to not only think about the romantic side of life, but the financial implications too. Most engagement rings cost around £600, research from the insurer Allianz recently showed, but a lucky one-in-five are given one costing between £750 and £3,000….

Would you move out of a flood prone area?

Britain is a particularly flood-prone country, with its relatively wet and windy climate, low-lying areas and many poorly planned homes built on floodplains. Even so, latest research from the insurer Policy Expert shows that many people aren’t aware their homes are at risk and aren’t sure what to do in the event of a flood….

Make your home more flood resilient

Guest blog:  Mary Dhonau OBE – Chief Executive, Know Your Flood Risk Updated guide to flood resilience Having been flooded myself, I know only too well how appalling it can be – being flooded is a life changing experience. I have since supported many people going through the same misery, and everyone has a heart-wrenching story…

Resolutions for your home

Breaking New Year’s resolutions is almost as much of a ‘tradition’ as making them in the first place; whether it concerns hobbies, work or relationships, by this point you’ve probably, once again, let yourself down. But look at it this way, you’ve ‘suddenly’ got a lot more time to do all those things around the house…

Over 3 million homes at risk of theft as winter sun-seekers go on holiday

Millions of Brits jet off each year in January to help beat the winter blues. But these sun-seekers are leaving around 3.25million homes vulnerable to burglary at a time when the days are still short, which thieves just love. Millions flee the winter weather Recent statistics from the insurer Policy Expert show that 12% of…

Valuable collections – are yours covered?

Many people collect all sorts of random things; from biscuit tins to teddy bears. But, without the right home insurance in place, collectors risk losing the lot without any financial compensation. Toys become treasure: Star Wars memorabilia There are many examples where, over the years, what might have once been considered junk or silly ephemera becomes…

Staycations: Half of staycations uninsured

From short breaks in historical Northern cities to summer holidays at trendy Cornish beach resorts, more and more Brits are choosing ‘staycations’ over holidays abroad. But latest research shows that many are making the mistake of thinking there’s less need to take out insurance for trips within the UK. This is despite most taking plenty…

The rise of the house sitter

If you’re going on holiday, getting someone to ‘house sit’ can be a good idea. Whether they’re actually staying at a property, or just popping in now and again, it gives that extra peace of mind to allow you to enjoy your break. However, latest research shows that thousands of Brits are potentially invalidating their insurance by doing something which, on…

Friday 13th – Lucky for some?

We humans are a superstitious lot. From saying ‘Morning Mr. Magpie’ to knocking on wood, many ordinarily sensible people occasionally behave completely irrationally. But when it comes to the well-known superstition that Friday 13th brings terrible luck, recent statistics suggest that it might in fact be the opposite. Feeling lucky? Research from insurer Policy Expert…

House price predictions 2017: What the experts say

It’s a somewhat uneasy time to be a homeowner as the huge rise in prices we’ve seen in recent years creates both winners and losers. So while many property owners are sitting pretty after seeing huge increases in the value of their homes, some fear their offspring my never be able to afford to buy….

Watch out for pickpockets this Christmas

If you’re out and about shopping for Christmas and in the high street sales, beware – pickpockets target cities throughout the country at this time of year. Latest figures from insurer Policy Expert show that distracted shoppers are of particular attraction to thieves during what is a lucrative season for them. Cities targeted by pickpockets…

What will you be getting for Christmas this year

When it comes to unwanted Christmas presents, we Brits are shameless. A large number will happily use them as gifts for other people, and a fair few actually try and give them back! Yes, Scrooge is alive and well; a recent survey by the insurer Policy Expert shows there are plenty of people who clearly…

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