Contents insurance

This covers the loss of or damage to the contents of your home. It includes items within your home as well as items you take outside, for example cameras, jewellery and laptops. Most policies will cover you against theft and fire, and give you the option to insure against accidental damage. You’ll need to let the insurers know of any high-value items you want covered such as expensive jewellery or camera equipment. Insurers may require proof of purchase or valuation certificates, so keep these safe and take photographs of the items. If they refuse...  Lire la suite

Buildings insurance

If you have a mortgage, your lender will normally insist that your property is protected by buildings insurance. It usually pays out if your property is affected by fire, floods or subsidence (although you will need to check the area where you live). Policies often cover damage to fixed fittings such as baths and kitchens, as well as garages, sheds and greenhouses, although they may exclude walls, fences, drives and swimming pools. If you live on a flood plain you may find it difficult to get buildings insurance. If you already have cover for flood...  Lire la suite

Pet insurance

What is pet insurance? Pet Insurance pays the veterinary costs if one’s pet becomes ill or is injured in an accident. Some policies will also pay out if the pet dies, is lost or stolen. The purpose of pet insurance is to mitigate the risk of incurring significant expense to treat ill or injured pets. As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets’ health care and standard of living than previously, the market for pet insurance has increased. UK...  Lire la suite