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- Vermin can cause a huge amount of costly damage yet this damage is excluded from nearly all insurance policies. One notable exception is a product offered by Saga. You could save money by opting for a pest control product; esure offers a good value one.
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- Everyone knows that they need to have insurance for their home, contents, cars ,even holidays.In todays fast paced, high tech world it is important to make sure we, as consumers, also have sufficent insurance cover to replace all of the downloaded information we have.
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- Everyone knows that they need to have insurance for their home, contents, cars ,even holidays.In todays fast paced, high tech world it is important to make sure we, as consumers, also have sufficent insurance cover to replace all of the downloaded information we have.
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- As the UK has seen some of its worst weather in years many homeowners whose homes have been left severely damaged have been let down by their insurance companies. Complaints have arisen due to this sad fact.
Home Insurance - Deluge or drought?
Summary:
Is your property at risk from flooding? Insurance is always a sensible measure to take but where there is any flood risk this is doubly important.
Your home is at risk from extremes of weather. Whether it be from flooding, which can cause a tremendous amount of damage to the property or the harmful effects of drought, which can cause subsidence and cracking. Looking at a standard household insurance policy summary, some of the weather-related disasters which are covered include storm, flood and subsidence.
The effects of drought may develop slowly but flash flooding is sudden, with very little warning, and the results can be devastating. (personal loans)
Even if youve lived in an area for several years and not had any problems with flooding, the risks of it happening could be there. Its possible to check for flood risks in your area by logging on to the environment agency website at www.environment-agency.govuk/floodine
It appears that an increasing number of housing developments are taking place on floodplains, in areas that are at high risk of flooding. This is against the advice of the Environment Agency. Add to this the threat from global warming and rising sea levels and an unprecedented level of rainfall and the situation is obviously one which will cause concern to homeowners and insurers alike. (mortgage payment)
Your insurance company is committed to covering you for flood risks and there is an agreement between their association, The Association of British Insurers, and the government, to maintain cover for properties which are considered to be at risk. On this basis it was understood that the government was to spend an agreed amount on flood defences on a regular basis. Unfortunately there was a reduction in the agreed amount in 2006 and the association feel that this is not a good sign. (secured loans)
Although your insurance will be honoured, continuing with that cover after a flood may cost you more money. A one-off event will probably not increase your premium, but should it happen again, then depending on how much damage was caused and the likelihood of it happening again, you could see significant rises.