Smartphones account for 90% of web traffic to new insurtech broker PolicyCastle

Insurtech broker PolicyCastle has seen 90% of traffic to its website from mobiles in its first two months, compared to 51% of traffic on mobiles worldwide. Worldwide, mobile browsing overtook desktop browsing in November last year, with 51% of traffic on mobiles.* PolicyCastle, the insurtech broker for specialist home insurance, has been live in stealth…

Storm Doris aftermath

Yesterday’s Storm Doris caused injuries and, particularly sadly, a woman’s death. It also caused damage to many homes. If your home has been damaged, be alert to the possibility of danger from damaged gas pipes or electricity cables, or from unstable structures falling. Once you have assessed any damage, you may want to contact your…

Spot the signs of damage inside your home

You need to be able to spot signs of damage to your home as soon as possible, before it becomes a big problem. Five things you might want to look out for: A. Damage to your bathroom seals If the sealant around your shower or bath is missing, or starting to crack, then water may…

Victim of burglary? What should you do?

Hopefully your home will never be burgled. It is a horrible experience, and expensive; the average cost of a burglary in the UK, including damage to property and stolen property, is well over £2,000. If you do return to your home and find it has been burgled, what should you do? Don’t rush in Don’t…

Storm Doris to hit the UK this Thursday

High winds are forecast in the next few days as Storm Doris will hit on Thursday, particularly affecting the North of England. If you have a garden, check for any items that could be blown around and cause damage to your property – toys, barbecues, light tables and chairs, even bicycles could all become hazards…

Biggest risk in the home?

We have been asking some of PolicyCastle’s users what risks they are most concerned about when they buy home insurance. Depending on geographic location, their big causes for concern are damage from weather – flooding or storms, and theft. However according to the Association of British Insurers’ statistics, the biggest causes of claims are from…

Cracking up? Signs of subsidence

Subsidence occurs when the ground under your home sinks lower, taking some of your foundations with it. Cracks appear in your building as one side moves away from the rest of the structure. Signs of Subsidence Not all cracks are caused by subsidence, they may be caused by temperature changes causing walls to shrink or…

Smoke alarms are worth every penny

88% of homes in England have a working smoke alarm, according to Home Office statistics. It is striking that 30% of domestic fires and 35% of domestic fire fatalities are in the 12% of homes that don’t have a smoke alarm.(1) 36% of the fatal fires in homes are caused by smokers’ materials, the largest…

Should I worry about my flat roof?

Home insurance application forms ask if your home has a flat roof, and if it does what percentage of the total roof is flat. Insurers clearly see a flat roof as higher risk than a sloping – or pitched – roof. Why?

How much cover for alternative accommodation have you got?

If the worst happens to your home, you will want you and your family to stay somewhere safe and warm while the damage is put right. Repairs can take a long time if damage has been severe, for instance from a flood, so you may be out of your home for an extended time. Home…

Are you covered for help around your home?

About a third of homes in Britain employ someone to help with domestic jobs, such as cleaning or gardening. You may not be aware that the contents section of your home insurance policy typically covers domestic employer’s liability – that is your legal liability for damages paid as compensation for an accident to someone working…

Doorstep security

As more and more of us use the convenience of shopping online, we have become accustomed to deliveries after dark to our front doors. But beware of burglars who try to trick their way into your home. Four tips: Always use your front door’s spy-hole, or look through a window to see who is at…

Forecast: high winds – put away garden furniture

High winds are forecast in the next few days as Storm Barbara will hit Scotland, Northern England and Northern Ireland on Friday. If you have a garden, check for any items that could be blown around and cause damage to your property – toys, barbecues, light tables and chairs, even bicycles could all become hazards…

Contents insurance – things to think about

Most, though not all, contents sections of home insurance policies have a fixed limit on the cover they provide. So before purchasing your home insurance, you need to check what the policy limit is, and be sure that the policy limit is enough to cover all of the items in your home. Make an inventory…

Away for New Year? Don’t come back to January blues at home

Going away over New Year has become more and more popular. If you are going away, you will probably think carefully about the security of your home and how to keep intruders out. But be careful you don’t leave electronic clues for anyone looking for an easy opportunity to break in: Don’t change your landline…

What can you do if flooding is forecast in your area?

Unfortunately, the effects of a flood can be devastating. There are things you can do to prepare your home, which hopefully will reduce the damage. Gas, electricity and water supplies: turn them off at the mains. Contents in your home: move them high up, preferably upstairs, particularly your valuable items.  Unplug all electrical items. Internal…