Top Reasons Home Insurance Claims Are Denied and How to Avoid Them Home insurance is a vital safety net for protecting your property and belongings from unexpected events. However, filing a claim doesn’t always guarantee a payout. Many homeowners are surprised and frustrated to find their claims denied. Understanding the common reasons for claim denials [...]
Busting Home Insurance Myths This month we're talking about myths or common misconceptions in home insurance, and setting the record straight. Are you falling for any of these? 1. Home Insurance covers every possible scenario In the UK 'all risks' insurance (where you're covered for everything unless the policy says you aren't) is not something [...]
12 Stats about Home Insurance in the UK This month we're looking at some quick fire facts about home insurance: General Costs and Cover There are lots of things that affect home insurance prices, but what do you think the average cost is? Latest UK data suggests it’s just over £400/year for Buildings & Contents. [...]
11 Insurance Facts you might not believe... This month we're taking a look at some weird insurance facts that are all in fact true, as strange as they may seem! 1. Aliens?! In Florida you can take out alien abduction insurance... The policy covers you for $10 million in the event of abduction by an [...]
10 Common Questions about Home Insurance Price and Renewals In our last post, we covered 10 definitions in home insurance that customers may not know. In this blog, we’re looking at common questions that you might have while thinking about the price of home insurance or your renewal. 1. Will my price go up at [...]
10 Common Home Insurance Definitions In our last post, we covered 10 common questions about home insurance claims that customers may not know. In this blog, we’re looking at explaining common terms in home insurance. 1. What actually is personal or property owners liability cover? Many home insurance policies, including ours, contain some personal liability [...]
10 Common Questions about Home Insurance Claims In our last post, we covered 10 common questions about home insurance quotes that customers may not know. In this blog, we’re looking at common questions that you might have while going through a claim for home insurance. 1. Can I specify a tradesperson to my insurer if [...]
10 More Common Questions about Home Insurance Quotes In our last post, we covered 10 common questions you might have while doing a quote for home insurance. In this blog, we’re looking at 10 more to make sure you're informed ahead of taking out cover. 1. What happens if I am underinsured? Being underinsured means [...]
10 Common Questions about Home Insurance Quotes In our last post, we covered 10 common questions about home insurance cover that customers may not know. In this blog, we’re looking at common questions that you might have while going through a quote for home insurance. 1. How do I work out the rebuild value of [...]
10 Common Questions about Home Insurance Cover In our last post, we covered 10 common questions about home insurance cover that customers may not know. In this blog, we’ll answer some more of the most common questions to keep you informed and help you get the cover you need. 1. If an upstairs property leaks [...]
10 Common Questions about Home Insurance Cover Navigating home insurance can be confusing, especially when it comes to understanding what your policy covers. Many homeowners have questions about the ins and outs of their insurance, from what’s included to what’s excluded. In this blog, we’ll answer some of the most common questions to help you [...]
Journey Through Time: A Brief History of Personal Insurance in the UK Insurance, in its various forms, has played a significant role in safeguarding individuals against unforeseen risks throughout history. The evolution of personal insurance in the UK is a fascinating journey, showcasing the development of methods to protect people's lives, health, and possessions. Early [...]
Understanding the Difference: Home Emergency Insurance vs. Warranty Products in the UK Home emergencies and unexpected appliance breakdowns can be stressful and costly. To mitigate these situations, various insurance and warranty products are available in the UK. Understanding the differences between home emergency insurance and warranty products can help homeowners make informed decisions about protecting [...]
Working From Home: Understanding its Impact on Your Home Insurance The shift towards remote work has transformed the way many people operate, with more individuals setting up home offices. While the convenience of working from home is undeniable, it's essential to understand how this change might affect your home insurance coverage. 1. Home Business and [...]
Shared Home Insurance in the UK: Understanding Coverage for Shared Accommodations Living in a shared home or a house-share arrangement has become increasingly common, especially among students, young professionals, or individuals looking to split housing costs. However, navigating the realm of insurance for shared accommodations requires careful consideration. Let's delve into the intricacies of shared [...]
Understanding the Impact of Home Renovations on Your Home Insurance Home renovations are exciting, whether it's a small upgrade or a major overhaul. While enhancing your home's aesthetics and functionality, it's crucial to consider the implications these changes might have on your home insurance. Renovations can significantly impact your coverage, and being aware of these [...]
Understanding Home Insurance Exclusions: What Isn't Covered? Home insurance serves as a safety net, providing peace of mind against unexpected damages or losses. However, understanding the fine print of your policy is crucial to avoid surprises when making a claim. While home insurance typically offers a wide range coverage, there are some common exclusions that [...]
What is Flood Re? If you’re reading this article, then you might have heard of the government scheme called Flood Re. As the name suggests, it relates to flood insurance and in this post we’ll go into a bit of detail on how it all works and the benefits of the scheme. Why was [...]
Saving your home from winter damage Cold weather can play havoc with your property, so it is worth protecting your home to prevent any major damage. Keep your central heating on In particularly cold weather it pays to keep your central heating on constant, not on a timer, in every room, if possible. If you [...]
How to take care of your plumbing and pipes Plumbing problems can cause a lot of heartache for homeowners, especially in winter. Follow our tips to help you avoid blocked drains, burst pipes and leaky plumbing all year round. As with anything else that ticks along, quietly doing its job behind the scenes, we never [...]
Common questions about auto-renewal Whenever you take out home insurance, you should be given a choice about whether you want the policy to renew automatically or not in a year’s time. Every insurer should also give you a way to change these preferences at any time. But what is auto-renewal and should you choose it [...]
What is Accidental Damage cover? Accidents can and do happen, and they’re not always hassle-free to recover from. Even comparatively small accidents could cause a noticeable unexpected cost. If one of your reasons for taking out home insurance is the peace of mind that things like this will be sorted without the stress, then accidental [...]
What is travel insurance? If you’re reading this post you might be a bit confused about what travel insurance is for and why you might want to consider getting some before you next holiday. We’ll go through everything you need to know to make a decision and cover off some of the most common questions. [...]
What is Legal Expenses cover? Commonly appearing as an add-on for both home and car insurance policies, it often doesn’t cost very much, but is it something you should consider? Should you ever become involved in a legal case, the fees can become quite costly. We go through some key questions to help you decide [...]
What is Personal Belongings cover? As we’ve covered before in posts like our Guide to Contents cover, your things aren’t covered under your insurance away from the home automatically. Though most providers do offer an option to cover this, but it may vary how much and whether you have to tell them about any of [...]
What makes up a rebuild calculation for a property? When taking out insurance for your Buildings & Contents, you need to make sure you’ve got the right level of cover in place to replace everything if the worst were to happen. For your contents, it can be slightly easier to understand the amount you need, [...]
Do I really need a valuation? Whether it be for a special occasion or as a family heirloom, some of us may be lucky enough to have items of jewellery that are worth a lot of money. In these cases, you need to make sure you have adequate insurance in place for them. How much [...]
Why has my premium gone up? The cost of living crisis is affecting households across the UK, and like most things insurance premiums are continuing to go up. However, insurers often won’t tell you why, so let’s look at a few possible reasons why you might have seen the cost of your policy go up [...]
Getting you back in your home Having your home flooded can be extremely traumatic and when looking at the damage you might wonder exactly how you’re going to get everything back to normal. Well, that’s exactly where we come in. To help you understand the process we go through to repair your home, we’ve created [...]
The most common causes of roof leaks How can we make sure our homes are prepared for adverse weather conditions? A huge 20% of home insurance claims are roof-related, so here’s some help to prevent it happening to you. Roof leaks often go unnoticed for sometime because damp can build up slowly, especially when the [...]
Choosing the best home security systems It’s important to feel safe and there are many ways to help keep your home secure. We run through the main home security products available to help you pick the right one to keep you, your family and your belongings safe and secure, whether you’re home or away. Protecting [...]
Common fire hazards in the home Not all house fires are caused by accidents in the kitchen or carelessness with candles. We’ve picked out some of the more unexpected fire hazards that you should be aware of, from decorative fairy lights to a build-up of crumbs in the toaster. In the Living Room Household wiring [...]
What do the FCA's rules on 'fair value' mean? A few months ago the Financial Conduct Authority’s measures came into effect to make insurers demonstrate that they provide ‘fair value’ to customers. But what does this really mean and how will it affect you? What is ‘fair value’ and what is the change? In [...]
Guide to Home Sharing and Insurance Most consumers are unaware that by hosting paid guests in their homes, through home sharing sites like Airbnb, they won’t be covered under their standard home insurance during any stays and it may even invalidate their cover entirely. In this guide we’ll go through the key information you need [...]
Our infographic below highlights some easy steps you can take to protect your pipes against freezing and bursting. Identifying potential hazards and taking action proactively can greatly reduce the risk during the colder months. Want more FREE tips for your home?Subscribe to our newsletter to be notified when we publish more useful free guides Name [...]
Tips to detect and prevent escape of water in your home Have you heard the term ‘escape of water’ or read it in your home insurance policy but are not sure what it is exactly? We’re here to help. Escape of water is one of the most common home insurance claims we see and unfortunately, [...]
10 Tips for Protecting Your Home In Summer Summer is all about making the most of the good weather, enjoying the garden and escaping on holiday. Unfortunately, it’s also a peak time for burglaries. Opportunistic thieves take advantage of open windows and can spot the tell-tale signs of an absent house, so follow these 10 [...]
Essential Tenants’ Insurance Tips for Renters Moving into a new rental property and want to take steps to keep your possessions safe? We take you through the essential information for tenants to consider when taking out home insurance. Throughout the UK, house prices have been steadily rising, especially in the capital where getting on the [...]
Our infographic below highlights some easy steps you can take to protect your home and family against flood. Identifying potential hazards and taking action proactively can greatly reduce the risk should the worst happen. Want more FREE tips for your home?Subscribe to our newsletter to be notified when we publish more useful free guides Name [...]
Guide to Boiler Servicing Boilers are a critical part of our homes and one of the most common ways that we power our central heating and heat our water. That’s why it’s so important to make sure they’re working properly and to catch problems before they leave you in the cold. Our guide will cover [...]
The Downside of Introductory Discounts Everyone loves a good deal, and hefty discounts have become particularly prevalent for insurance thanks to the rise of price comparison sites over recent years. But are they everything that they promise and should we be focusing on them as much as we do? Our article will highlight a few [...]
Everything you need to know about Home Emergency cover When applying for home insurance, many providers will offer add-on extras to extend the cover to other areas. One common extra for homeowners is Home Emergency cover, which can also be bought as a standalone policy. In this article, we’ll cover some common questions about Home [...]
Our infographic below highlights some easy steps you can take to protect you and your family from fire. Identifying potential hazards and taking action proactively can greatly reduce the risk of a house fire. Want more FREE tips for your home?Subscribe to our newsletter to be notified when we publish more useful free guides Name [...]
Everything you need to know about Contents cover When looking at home insurance, it can be divided into two sections – Buildings & Contents. Most people choose to take out combined policies covering both areas, while some opt for just Contents only cover. This is most common for renters or those living in flats. In [...]
In the UK, it isn't a legal requirement to take out home insurance in the same way it is for car insurance. So, do you really even need it? Most mortgage lenders will require you to have buildings insurance in place as a condition of lending you the money. That means most homeowners will need [...]
Everything you need to know about Buildings cover When looking at home insurance, it can be divided into two sections – Buildings & Contents. Most people choose to take out combined policies covering both areas, while some opt for just Buildings only cover. This is most common to satisfy requirements for mortgage holders, as the [...]
