Digital downloads

It’s estimated that a total retail value of at least £1.8 billion of music and audio files have  been downloaded to our laptops, phones etc, and while these physical  items may be insured against theft or loss, about 40% of home insurance policies do not cover the full replacement download cost. If you are not…

Pokemon Go-ing, going, gone?

It’s probably the most popular mobile app so far, but what home insurance issues does it raise? There have already been some accidents and trespassing in the USA as players search for Pokemon oblivious of their surroundings. Is this relevant to your home insurance? Well, for a start, the liability sections of your policy should…

Reboot for renewals

After some field trials and consulting late last year, the Financial Conduct Authority has mandated changes for the renewal of General Insurance policies. About time too, many might say! Essentially insurance companies inviting renewal must: Remind policyholders of the premium they paid last year with details of any changes due to mid term adjustments Encourage…

Silly mid on or deep extra cover?

Many home insurance policies only offer cover against the cost of fires, floods, burglary, things like that, unless you pay at least 25% extra for what is known as “accidental damage” cover. But is it worth it?

Stay Calm and Keep Complaining!

If your insurer just won’t agree with your complaint it must send you what is known as a “Final Response” letter. Well, for a start it isn’t final unless you give up, but it does tell you that their complaints process is ended and that you have six months to refer it to the Financial…

Steer clear of ambulance chasers

The old days of meekly accepting bad service or harsh treatment from insurers have gone haven’t they? Well I hope so and judging from the record numbers of cases the Financial Ombudsman Service (FOS) handles each year, that’s true. The FOS’ services are entirely free to private policyholders, and informal too. So is it worth…