Painting and decorating Should have little to no impact on your insurance. New kitchen, bathroom or doors If for any plumbing or electrics you need to employ a contractor in your home, any contractor should have their own liability in place to cover them for any damage caused whilst they are working in your home….
Tag: Insurance
Smart home insurance ?
Smart home devices are more and more popular in the UK, from Amazon’s Alexa voice service, to remotely activated thermostats, to motion sensors – according to a study by Deloitte UK, 3% of households have a smart security system, smart thermostat or smart lighting, and 5% of households are considering buying a smart home device….
Smart locks issues
Last week, around 500 users of smart locks produced by the US company LockState found that their locks did not work properly after a faulty update was released, leaving users unable to lock and unlock homes. Lockstate apologised but wasn’t able to provide customers with an immediate solution to the issue – it took 5-18…
Flood risk assessment
Ever more homes in the UK are now at risk of flooding. In 2015/2016, 9% of new homes constructed in England were in areas at high risk of river or coastal flooding, and 4,400 homes in the last five years were built against the advice of the Environment Agency, according to an article by iNews….
Loyal customers don’t fear. The key is still to shop around and find home insurance you can trust
There are many factors as to why customers have a negative association with insurance and one of these factors is when loyal customers feel penalised. It is a vicious cycle, as most insurers do want to offer customers a quality service with quality products, but the reputation of insurance is shadowing this. What’s the answer?…
Holiday home insurance
Home insurers mean different things when they talk about “holiday” homes and “second” homes: A holiday home is one that you and your family use for holidays from time to time, and may also be let to others, on holiday lets. A second home is one that is occupied frequently by you, often for a…
Listed buildings – what are the different grades and categories?
If you live in a listed building, insurers typically want to know that grade or category of listing the building has. This is because the higher the grade or category the greater it may cost to repair damage. The different regions of the UK have different rating systems:
“Holiday” home or “second” home – is there a difference?
People lucky enough to have another home as well as their main home can refer to it in different ways. Like so many things in the English language, we don’t have exact defined terms that everyone agrees on. However, home insurers do mean different things when referring to “holiday” homes and “second” homes: A holiday…
Why are non-standard construction homes a problem for mortgage lenders and insurers?
Non-standard construction properties are those that aren’t built with brick or stone walls, and with tile or slate roofs. So the non-standard definition includes thatched houses, pre-fab (both post war and modern designs), timber framed houses and wood built houses. Clearly some types of non-standard construction houses are a greater risk – for example thatched…
Accidentally not covered when it comes to accidental damage?
When you buy home insurance you are asked if you want to add accidental damage cover to your policy. Some accidents in the home are typically covered under the standard section of your policy, but many are not so it may be worthwhile buying additional accidental damage cover. Different insurers can provide different cover, so…
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…
Planning to do some DIY this bank holiday weekend? 3 things to remember for your insurance
Painting and decorating Should have little to no impact on your insurance.
Running a business from home? How do you know you’re still covered?
Do you run a business from your home? If you do, it’s important to be aware what you are covered for under your home insurance. If you use your laptop to check on your work emails or get ahead at work, this would normally be considered as clerical or administrative and would not be considered…
Don’t let your BBQ burn more than the sausages
A glimmer of sunshine and Brits across the country are organising the first of many BBQs, but with this great British tradition comes a high fire risk. Fire is the fifth largest cause of home insurance claims in the UK and can cause extensive damage and disruption.
EASTER is for Eggs? Here are a few insurance related terms this E-a-s-t-e-r…
Emergency access; is normally covered as standard under your home insurance, where loss or damage is made to your buildings and or contents caused when the emergency services, fire, police or ambulance need to gain access to your building by means of forced entry. This would only be due to an emergency or perceived emergency…
Organising a big Easter egg hunt?
It’s not quite Easter without an egg hunt. If you are organising a big Easter egg hunt at your home there are a few things to be aware of to ensure an effortless Easter hunt for all:
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