Home is where the heart is

Most of us have things in our homes that are really important to us – as well as our family! The true value may be sentimental, but if it is something made to measure (a set of golf clubs?), or a collection that has developed over time (racing bikes?), or something inherited (jewellery from Granny?),…

Razed to the ground

Do you insure your home for its market value? If so you may be paying too much premium because it’s the rebuilding cost which should be the amount you insure. These values may be different because you do not have to insure the value of the land, although you do have to make an allowance…

Airforce One

The latest hobby, flying a drone, has certainly “taken off” in the last few years as costs have fallen and app based controls have become straightforward. But if things go wrong large drones can cause a lot of injury and damage, so have you checked the cover under your policy?

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?

5 Ps

Most of us know people who have had to make home insurance claims, sometimes large claims, because of fire, or flood, or burglary – or we have had to make claims ourselves. So we buy home insurance because we care about our homes, and we want to be able to fix problems quickly if they…

The needle in the haystack

  Big data is a big theme right now. How organisations are trying to capture and make sense of the mass of unstructured data that is generated by our daily lives online. Google looks for specific words in our Gmails to find out what products we want. Retailers want to send us adverts at the…

A little knowledge is a dangerous thing

“The past is a different country, they do things differently there” Regular readers of this blog will have realised that I care about how we interact with banks and insurance companies (and supermarkets and other big corporations for that matter). Way back when, before decisions were taken using computer models, if someone wanted a loan…