Home Insurance Summary

Why Didn’t I Get Home Insurance?!

There are a few comments we’re all guilty of (me included), and one of them is “it will never happen to me”.  On the back of this many people prefer not to get home insurance because they believe this phrase which, in all honesty, is just tempting fate! Some of you reading this may think it’s a waste of money, or don’t believe you own anything valuable enough. That said I’ll bet you at least have electrical goods as well as some bricks and mortar to take care of.

So, to save you from entering the hell that’s “why didn’t I get home insurance” here are a few reasons why you should take this just as importantly as you might car or life insurance policies (yes, life)! After all what could be worse than having to replace your child’s latest games console (oh, think of the tantrums)!

Peace of Mind

Imagine this? Practically all the furniture in your home is covered in plastic so you don’t have to deal with those accidents that could mean a replacement. Think about how guests feel when they’re too afraid to sit on the sofa in case they damage it or worse, get stuck to it on a hot summer’s day!

It could also be that you’ve banned kids from certain areas in the home so they don’t break precious ornaments that have been handed down through the generations.  You could even go further than this to protect the items in your home and for what? Saving a few pounds each month? We all lead stressful enough lives without adding all this into the mix. So, think about it – having a home insurance policy WILL bring you peace of mind.

Bricks and Mortar

Insurance policies like this don’t just protect your contents they also cover the walls around you and even the space outside. These days, we face many perils due to changes in the weather (flooding being the main culprit). Taking an insurance policy for your home that covers what’s standing around you (or not as the case may be) is especially useful if your property is old. The last thing you need is to suffer a power cut only to be told it can’t be fixed unless you have a full rewire which, as you’re probably aware can cost thousands.

Types of Home Insurance

The sky is the limit as far as this type of cover goes these days. It’s a competitive market and everyone wants your business. For this reason lots of companies offer tailor-made policies that fit you and not them. For instance, you might want to make sure that boat you have parked up in the driveway is covered for damage or theft (lucky you for owning a boat)! Or, you might have an expensive collection of stamps which would cause no end of heartache if they were to be damaged or stolen. Surely it would be much better knowing these items are covered?

Are You On A Budget?

Money is tight for a lot of people and insurance companies across the board have thought about this believe it or not! There are plenty of policies on the market that come as standard and are anything but expensive. So, if you have a minimal amount of items to cover, this type of policy is perfect and it won’t break the bank.

The Answer

The point is, it doesn’t matter how “odd” your needs might be, there are companies out there that can help. Plus, the phrase “I can’t afford it” probably isn’t all that true. Money can’t replace sentimental items but it does help ease the pain. It doesn’t cost an arm and a leg (more on that type of insurance elsewhere on our website) and quite frankly, it will bring peace of mind. So, don’t end up asking “why didn’t I get home insurance” and get covered!

 

 

Aviva Car Insurance Review

The first thing to mention about Aviva car insurance is their website. I have personally used it and it is easy, quick and simple. If you are looking for car insurance then Aviva is probably one of the best companies to go with. None of us wants to spend an inordinate amount of time researching the right company when it comes to car insurance; we’re all very busy people these days, trying to earn an honest living. With Aviva and their car insurance quotes; all you have to do is go through 6 quick and easy steps to obtain a quotation that will suit you. I managed to get a quote in less than 5 minutes!

If you do not have access to the internet for one reason or another, it’s easy enough to find the number for Aviva car insurance in your business directory and you will find that their employees’ are friendly and very knowledgeable about the car insurance policies they have to offer. If you are a “newbie” when it comes to car insurance, the staff at Aviva will guide you through each step of obtaining the right car insurance to suit you.

What Types of Car Insurance Policies can you expect to get with Aviva?

What you should be aware of here (and this is my opinion and not Aviva’s) is that you should, where possible get a fully comprehensive car insurance policy. This means that you will be covered for just about any unfortunate eventuality that may occur when you are out driving or if you car is parked and gets damaged.

There are 2 types of car insurance policy you can get with Aviva and they are:

Third Party Fire and Theft or TPFT – With this type of car insurance policy you will receive the following:

  • Of course your car will be covered for any loss or damage which comes about as a result of fire, theft or damage. Please do bear in mind that should you need to replace your car as a result of something like this happening, you will only receive the market value of your car.
  • The audio equipment in your car will also be covered with this type of car insurance policy however; you will be limited to £100 in value.
  • Aviva also offer a vehicle recovery or transport service with this policy. This means that should you be involved in an accident on the road; you will have a representative come out to you. If your car cannot be repaired there and then, your car will be taken to one of Aviva’s approved repairers (you don’t have to use an approved repairer however, this may result in delays). If your car does have to be taken to a garage, Aviva will ensure that you are either taken home or taken to the destination you were originally trying to reach. Once your car has been repaired, they will deliver it back to your home address.
  • Under this type of car insurance policy, you and any of your passengers will be covered for emergency medical treatment should you need it.

Fully Comprehensive – With this type of policy you will receive the following:

  • Everything mentioned above, plus….
  • If your car is a right off Aviva’s fully comprehensive car insurance policies will ensure that you are reimbursed with a new car….don’t get too excited here, they will replace your vehicle with the exact same make, model and year that you had previously.
  • If you happen to experience your windscreen or your windows being smashed as a result of vandalism, theft or due to an accident Aviva will replace them for you.
  • Medical expenses – this is slightly different to the TPFT policy in that it is not limited to you requiring emergency treatment. Sometimes injuries that are sustained during an accident do not surface until later, should this happen to you then Aviva will cover any medical expenses associated with your injuries.
  • You are covered for personal belongings that are lost or stolen from your car with this type of car insurance policy; there are limits though; so make sure you check these out first to make sure that it will suit your needs.
  • If you lose are have your keys stolen, Aviva will replace them and also the locks on your car. For those of you that have fancy anti-locking systems or keyless entries on your car do not worry Aviva cover this as well.
  • No claims discount (thinking about it, this should have come top of the list, anyway, I got there in the end). This is available not just for you but also for any named driver that you have on your car insurance policy.
  • For all of the parents out there, Aviva have not forgotten about you, if you have little ones you will need a child seat. If this happens to be damaged during an accident, is stolen or damaged by fire Aviva will give you up to £100 for a new one.
  • Tools are also covered with this type of car insurance policy, however, it is limited to non-powered tools and if you have tools in your car that are used for business this policy will not cover them. If you need that type of cover then take a look at their insurance policies for businesses.
  • Of course as with a lot of companies these days, Aviva will ensure that you do not lose out if you are hit by an uninsured driver. As long as you can provide them with the make of car, registration number and the details of the driver that hit you; they will ensure that your no claims discount is not affected and that any excess that you have to pay is refunded back to you.

Some Other Little Extras to look out for

You will find that car insurance policies with Aviva will start from as little as £200; this may sound very cheap but believe me they do! If you have a policy that only costs you this amount don’t expect to be treated any differently than those customers that spend more with them. Aviva pride themselves on their customer service and in my experience, they deliver.

If you are looking for a multi-car insurance policy Aviva are currently offering up to a 20% saving, so if you are currently in the market for this type of policy, get yourself on the website today! There are all sorts of incentives to help you decide that Aviva is the company for you when it comes to your car insurance. You can expect to get great deals when it comes to renewing your car insurance policy. They have a great little system connected to their website which means that you can manage your account online and you can even print off your own cover note directly from the website.

If you buy your car insurance through Aviva’s website they will give you £5 off straight away. Oh, and here is the best bit….they are currently offering 15 weeks free with any new car insurance policy that is taken out with them. This could mean a saving of well into hundreds of pounds for you.

In Conclusion

If you are looking for a car insurance company that will treat you like a person rather than just a number then Aviva is the company to go with. I cannot stress enough how good their customer service department is. When contacting them for the first time, you will not receive the “hard sell” and the sales people that work for them know exactly what they are talking about, so you will not find anyone saying to you “one second, I’ll just check with my manager”!

Aviva have been around for some time now and they are committed to ensuring that you, personally, receive the right level of service and most importantly of all that you take out the right car insurance policy for you. For me, I would not use anyone else, I poodle about quite happily in my car safe in the knowledge that I am properly insured and, with a company that knows the car insurance business inside and out.

It’s worth keeping an eye on Aviva and the part of their website that deals with car insurance; they are constantly watching their competition and always have great offers available. The mere fact that they have recently launched the 15 weeks free deal is proof of this as there is other major car insurance companies that have started to offer a number of weeks free. Aviva car insurance, however, have beaten the total number of weeks that you can get when signing up for a new car insurance policy.

Aviva are not just a company that deals in car insurance policies that are about the “numbers” game, they care about their customers and making sure that they renew year on year.

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Sheila’s Wheels Car Insurance Review

Sheilas’ Wheels car insurance has been in business for 7 years now. Doesn’t sound very long does it? Well, don’t let that put you off using them for your car insurance, especially if you are a woman. This company targets us ladies and it will surprise you to know that it was actually founded by a man by the name of Peter Wood. At last, a man that has come up with something that actually helps us girls out! For you guys out there, don’t feel left out, you can also benefit from using Sheilas’ Wheels for your car insurance, they have policies for you too.

One of the reasons that Sheilas’ Wheels car insurance has become such a household name within the UK so quickly is because they were savvy enough to come up with an advertising campaign that some may call “irritating” and others would term as “brilliant”. I happen to favour the latter; the point of advertising on TV is to make sure that people remember your brand and Sheilas’ Wheels certainly did that. I don’t know of anyone that doesn’t remember the 3 blond bombshells that strut their stuff in an open top pink car singing “for bonzer car insurance, get on to Sheilas’ Wheels”.

Anyway, enough of the history of Sheila’s Wheels car insurance and on to the important stuff; just how good are their car insurance policies? Well, I’m going to tell you. Most of this article will focus on us ladies (since that was the prime reason this company was founded). However, for you men out there reading this, don’t switch off just yet, you may find that Sheila’s Wheels will be useful to you as well.

Here are some of benefits you can expect to get with a Sheilas’ Wheels car insurance policy:

  • First of all, you can get 3 types of car insurance policy with Sheilas’ Wheels; fully comprehensive, third party fire and theft and third party only. This is something that not many other car insurance companies do anymore but since it’s us ladies that they are dealing with here (incidentally, we are safer drivers than you guys; the stats prove it), this is why you can get all 3 types of car insurance policy with them.
  • Legal Liability – I was astounded when I saw just how much Sheilas’ Wheels will cover you when it comes to legal liability. They will cover you for up to £20 million to protect the injury or death of another person; this will also come into effect if there is damage to their property as well! Not only that, it doesn’t matter which policy you have with them, this figure remains the same.
  • If you happen to be unlucky enough to be involved in a car accident that means that your precious “Sheila” has to be written off then Sheilas’ Wheels will replace your car with a new one. However, this will only happen if your car is under 1 year old and is registered in your name or your partner or spouses name. Still, it’s not a bad option and again, there are not many other car insurance policies out there that can offer this. By the way, this will only come into effect if you have a fully comprehensive car insurance policy with them.
  • In Car Entertainment – Now if you are a woman that’s anything like me then your DVD player is a much loved part of your car. The first thing I do when I get into my car is find my favourite tracks and turn up the volume; there is nothing like taking to the road with my favourite music blaring out of the speakers (sorry to all of you that hate Rage Against The Machine). If you happen to have your DVD player stolen or damaged Sheila’s Wheels will replace if for you, however, this is limited to £1,000. It’s not just your DVD player that’s covered for this amount; just about anything electronic you can think of is protected. Games consoles, phones, radar detection and satellite navigation systems are also covered up to the amount stated above. Oh, and this is comes with both the fully comprehensive and third party fire and theft policies.
  • Handbag Cover – Mmmmmm…….I just LOVE this section of Sheilas’ Wheels car insurance policies. For any guys reading this, you may think that it is not something that is really that important. However, for us gals, this is one of the best ideas that a car insurance company has ever come up with. We don’t just keep our make up or perfume in our handbags; we also keep important items in them such as our wallets, credit cards and pictures of our loved ones. If your handbag happens to be stolen or damaged Sheilas’ Wheels will give you up to £300 to replace the all important items in your handbag (excluding pictures of loved ones of course).
  • Counselling Service – Again, this is something that I have not come across with any other car insurance company. If you are involved in an accident, with a Sheilas’ Wheels car insurance policy, they will provide you with counselling over the telephone. Anyone who has been in a car accident knows what scars it can leave behind and without professional help some people even stop driving altogether. I think this is a great option and will definitely be taking them up on the offer.
  • Breakdown Cover – Ok, so I accept that whether you are a man or a woman travelling alone then you’re at risk of some form of crime when you breakdown on the road however, us ladies are easier targets simply because we are the fairer race. With a Sheila’s Wheels car insurance policy you will receive preferential treatment when or if you breakdown on the roadside. Sheilas’ Wheels have approved breakdown assistance companies that pledge to just about drop everything when it comes to receiving a call from a woman that has broken down and is travelling alone. Sheilas’ Wheels say that they will ensure that someone is with you within 40 minutes. By the way girls, if you do get into this situation, stay inside the car with the doors locked. DO NOT open the door to anyone other than the official breakdown assistance guy. I’m not trying to teach you to suck eggs here; I’m just offering a bit of friendly safety advice.
  • No Claims Discount – A Sheilas’ Wheels car insurance policy will get you up to 75% no claims discount and if you want to (for an additional premium) you can take out extra cover that will protect your no claims discount for life.
  • For the Men in your Life – You can add your partner or spouse to your car insurance policy with Sheilas’ Wheels, the only stipulation is that they live at the same address as you and, they will receive all the benefits that you have with your policy….perhaps the man in your life might consider buying a handbag?
  • If you need to make a claim, Sheilas’ Wheels car insurance have a 24 hour 7 days per week hotline that you can call, so it doesn’t matter what time of day it is, you will be able to start your claim as soon as you have gotten yourself into trouble (with the car of course)! Plus, Sheilas’ Wheels car insurance proudly advertises that they have UK call centres only. Also, what’s worth mentioning here is that your claim will be approved over the telephone; no more waiting for that pesky form to come through the letter box!

So, there are some of the benefits on offer with a Sheilas’ Wheels car insurance policy. Some of them are directed at ladies specifically (otherwise what would be the point of the company name) however, there are options for men as well. For us ladies however, you don’t just get a car insurance policy with Sheilas’ Wheels you get some handy tips on how to keep your car safe and keep criminals at bay. Plus, I have to admit that us girls are not the best when it comes to the technical stuff with our vehicles, if someone says “oil change” to me I tend to drop off right away. With Sheilas’ Wheels you will get great tips on how to fix the more simple problems that can occur with your car. After all, it’s in their interest for you to be able to top up the oil in your car or fill the water tank for the windscreen wipers.

As I write the last paragraph of this article I have the Sheilas’ Wheels ad jingle in my head and, do you know what? I don’t mind. I think this company is a really fabulous option for car insurance and it makes me, as a woman feel much appreciated when it comes to being rewarded for being a far safer option for car insurance.

Sheilas’ Wheels Home Insurance Review

Sheilas’ Wheels Home Insurance

Sheilas’ Wheels we hear you say? Home insurance we hear you say? Well, you’ll be glad to know (or at least we hope you will) that this fab company do in fact offer insurance for your home, and it’s not just limited to what’s inside! We all know that finding any type of insurance is a right pain in the proverbial these days simply because it’s such a competitive market. However, this company make it dead easy.

Before letting you know what sort of deal you can get on your home insurance with Sheilas’ Wheels, you should know their website has a really comprehensive set of easy to understand information before getting a quote. On the very rare occasion (and it is rare), they may not be able to insure you but you can find that out before going through all the hassle of filling out forms.

You can take a look at their FAQ section, find out what optional extras there are (more on that in a moment) and you can even just leave a renewal date for your current policy and they’ll contact you when it’s convenient – easy!

So, what do you get from a home insurance policy with Sheilas’ Wheels? Let’s see!

Buildings Insurance

 

What you see below is buildings insurance that will suit ANYONE.

Your home will be covered along with fixtures and fittings, sheds, garages, greenhouses (you know kids and their footballs), summerhouses (if you’re lucky enough to have one). Oh, and get this! They also cover patios, footpaths, walls, hedges, gates, fences and believe it or not swimming pools and tennis courts (again, if you’re lucky enough to have one). The list is quite endless really. If you have driveways or hot tubs, they can be insured as well.

What does all this mean at a glance? Let’s take a look.

  • If needed, rent or alternative accommodation up to £75,000
  • Unlimited sum amount on buildings
  • Locks and keys (where an earth do those keys always disappear to) will be covered up to £1,000
  • Liability cover for home owners up to £2,000,000
  • Accidental damage can also be covered however do remember this is an optional extra so it will cost a bit more.

Contents Insurance

 

Get this! When you go with home insurance from Sheilas’ Wheels they allow you to gradually build up a no claims bonus. This is done on a year by year basis and can reach up to 45% which proves they not only want to keep your business, but appreciate it as well.

Here’s what you get:

 

 

  • New for old. We can feel the eyebrows rising at this one, but Sheilas’ Wheels will provide you with new for old items in your home if they’re stolen (God forbid) or damaged.
  • Personal money is covered up to £750.
  • Contents in your garden are covered up to £2,000 so if that precious gnome mysteriously disappears overnight, you can get a new one.

The Optional Extras

 

We know family is important to everyone, and this is why we like the legal protection Sheilas’ Wheels offers as an optional extra. With this, you and family who live with you will receive up to £50,000 worth of legal advice should you need it. This can include battling with a travel agent when they’ve told you the hotel you’re going to stay in on holiday is the “best thing ever” turned out to be something not unlike a holiday nightmare. Or any of the following:

  • Goods or services you’ve purchased that aren’t up to scratch.
  • Would you believe it? Employment contracts.
  • Oh, and the one we all dread and that’s disputes with a neighbour (or two).

And those are just some of what Sheilas’ Wheels offer. Think of it like having a solicitor on hand whenever you need it, and this company means WHENEVER!

Home Emergency

 

If your boiler breaks down, you come home from work and find your drains have been “misbehaving” or any other domestic emergency Sheilas’ Wheels will sort it out for you. Do remember though that they will only give you up to £500. That said you get this with your home insurance policy for FREE in the first year.

Pests!

 

We think this is especially useful for those of you who live out in the sticks. Imagine finding a wasp’s nest, an infestation of mice or worse, rats in your home! They will cover you for £150 to call out a contractor and, get this, a further £200 to sort the problem out. The only thing to remember is they can only offer 3 treatments each time you claim. However, there is no set limit on how many times you can claim for this.

Annual Travel

 

We see the ads everywhere these days telling us we should take out travel insurance and rightly so. However, this insurance company will let you add the following to your home insurance:

  • Medical emergencies.
  • Lost documents or passports.
  • Missed or delayed departures.
  • Disruption with travel.
  • Curtailment and cancellations.
  • Personal belongings
  • Delayed baggage (everyone’s pet hate)!

What we should also mention is this covers travel worldwide, and will include everyone who lives at the policy holder’s address (including foster children). Do remember however, it will only last for 30 days at a time, so if you’re lucky enough to take a holiday for that long we think its well worth thinking about.

 

If You Like Winter Sports

Yep! You get a “bonzer” deal on this as well. This optional extra covers skiing, sledging and snowboarding. Your ski hire, equipment, pass and tuition fees are included. You also get accident cover and avalanche or piste closure.

All in All

 

As with any home insurance policy there are limits but we think Sheilas’ Wheels home insurance has some of the best options on the market at the moment and for a price as low as £148! Plus, you’ll be going with a company that’s rated 5 Star Defaqto 2016!

We recommend you at least get a quote – after all it won’t cost you anything.

Wedding Insurance Review

Are You Getting Married? Don’t Forget Wedding Insurance!

Getting married is one of the most exciting (and frightening) times of your life. It’s exciting because you’re about to celebrate the love you have for someone you’re going to spend the rest of your life with. It’s frightening because there is so much to organise and pulling it all together can leave you reaching for the headache pills (or that bottle of Vodka, whichever helps most)!

Some people opt for a low key affair while others want to let the whole world know they’re getting married to their true love. It doesn’t matter what type of wedding you want, where it is or what time of year, the stress levels are the same.

Of course, there is the cost to think about as well. In fact, these days the average cost of a wedding is a whopping £20,000 (sorry Father of the Bride)! When you start to look at your to do list, it’s easy to understand how you can easily spend this much. There are flowers, cake, catering, the venue and we can’t forget the dress! The list goes on (sorry again, Father of the Bride)!

If you are in the process of organising your wedding it might all sound like a nightmare instead of a dream however, it can be a lot of fun especially if you know you’re well protected should anything go wrong.

What I’m talking about here is insurance and there are many companies on the market that will insure your wedding, but they offer other services as well. Wedding Plan however is different. They only deal with weddings which mean you can be rest assured they really know what they’re doing.

They have over 20 years of experience in the field of wedding insurance, and the plans they have to offer will suit all budgets. The best thing of all is they have no less than 9 plans to choose from. The cheapest will cost you £18.49 and the most expensive will cost you £199.99 so Dad won’t be too displeased to see that invoice plus, it means he won’t have to worry about losing money if the person videoing your wedding gets drunk and produces something that looks like a dizzy child recorded it!

All sorts of things can go wrong and having some wedding insurance behind you will help to ease the pain, and I think that Wedding Plan has thought about everything. Take a look below at the benefits you can expect to receive:

  • Cancellations are covered.
  • If you have to re-arrange something due to an illness or other “mishap” Wedding Plan will cover you.
  • Wedding clothing is covered (especially the dress).
  • God Forbid that something should happen to your cake, gifts or flowers, so they’re all covered.
  • Cars and other transportation.
  • Photographs and videos.
  • Essential documentation is covered, which is especially useful if you’re getting married abroad.
  • Personal accidents.
  • Of course, the rings are also covered so if your best man loses them, they can be replaced.

The best thing of all is that it doesn’t matter what level of cover you choose, all of the above will be included in your policy. However, you do have to think about how much you’ll receive should anything go wrong. It’s also worth noting you will have to pay an excess but this is a mere £25 on all policies except for Platinum Plus, Premier and Premier Plus which is still pretty cheap at £50.

On A More Serious Note

We can all joke about various problems that can occur when a wedding is being arranged, or even when it’s in full swing. After all, you’re letting a whole bunch of people loose on free food and drink! But, and this is especially important if you’re going abroad, Wedding Plan has thought about the more serious issues that can happen.

If you want, you can have optional extras that will cover you for the following:

  • If you’re having a Marquee, Wedding Plan will give you up to £20,000 if something should go wrong and all your guests end up on the floor fighting with the roof!
  • Public Liability is also available although it is included on some of the more expensive plans.
  • Unusually (and I’ve not seen another company offer this), if you have ceremonial swords at your wedding they will cover these for up to £20,000
  • Now, this one is very serious but it has to be thought about. If a death occurs, someone loses a limb or the sight in one or both eyes you can opt to have the expenses covered as part of your policy.

Overall

If you’re in the early stages of planning a wedding, I feel your pain (and your excitement). Even if you’re part way through your wedding plans, and have realised the thought of something going wrong is just all too much for you, it’s still not too late to organise an insurance policy.

As you can see from the information above, this company has just about thought of everything, if not EVERYTHING. Even if you have a slightly different requirement and don’t see what you need here, don’t be afraid to ask them. After all, it’s your big day and the people behind Wedding Plan insurance realise this.

In fact, they often conduct surveys with people who have AND haven’t used them so they’re constantly abreast of current trends and needs. After all, they haven’t been in business and successfully for 20 years for nothing!

So, there you have it, wedding insurance from Wedding Plan. The main thing is that you make sure you’re properly covered so you can get on with enjoying your big day, and I think this company really has it “covered”. You only have to read some of the many case studies on their website to know there are plenty of very happy customers whose weddings went off without a hitch even if something did go wrong!

John Lewis Pet Insurance Review

John Lewis Pet Insurance

If you’re not an animal lover (that is to say cats and dogs), you’re on the wrong page! If you are an animal lover – welcome! You’re just about to find out all about John Lewis pet insurance and how it can make sure your furry friend or friends are well looked after should they become ill or suffer and accident.

It doesn’t matter if you have a one eared “moggy” or a pure bred pet that cost you a small fortune to buy; this company has an insurance policy to help. OK, so you might know John Lewis better for the marvellous department store that it is. However, they’re already proving to be a reliable source for all types of insurance.

OK, less waffle and more information on what a John Lewis pet insurance policy can do to make sure little Tiddles the Persian or Rex the Labrador get the care they need, when they need it!

The first thing I’d like to mention is the fact that John Lewis offer something called long-term cover for pets which isn’t that common. Other companies will either limit you to the amount of time you can claim for a health condition or, how much you can claim.

No! This company has thought long and hard about what pet owners want from their insurance and they’ve done away with these restrictions. So, if your cat gets stung by a bee, or you have a dog that’s developed an illness that needs long-term care they will cover them.

The other option John Lewis pet insurance offers that I have rarely seen anywhere-else is the level of cover you can choose. In fact, they have three separate options: Essential, Plus and Premier. Of course, the higher the level of cover, the more it will cost but this does help if you have a breed of cat or dog that can develop complicated health issues.

So, let’s take a look at each one in turn.

Essential Pet Insurance

Being an animal lover myself, I certainly think pet insurance is “essential” so I think this level of cover has been very aptly named! This is what you get:

  • Vet fees and dental care treatment is paid up to £3,000.
  • For accidental damage (to other people’s property not your pet) is limited to £250.
  • You get complimentary treatment up to £500.
  • You’re provided with what John Lewis pet insurance call their free “vetfone” helpline which is at your disposal 24 hours a day. After all, your four legged friend doesn’t make an appointment to get ill!
  • Stolen or lost pets, death from illness or from an accident is all covered to the tune of £500.
  • If you need special food for treatment, you get up to £250.
  • For dogs only (and it’s kind of obvious why), you get up to £1 million third party liability. If you’re not sure what this means let me tell you. If your dog is involved in an altercation that causes injury or (in the worst case scenario), death to another person you’ll be covered for legal and damage costs.
  • The last one on this policy covers you if (God forbid) your pets goes missing. John Lewis will pay up to £500 for advertising and/or the offer of a reward.

Plus Pet Insurance

This is the middle of the range on the pet insurance policies John Lewis offer, and you get everything mentioned above “plus”:

  • Holiday cancellation up to the value of £3,000.

Of course, the amounts you’re covered for each point above also go up!

Premier Pet Insurance

This policy comes with the highest price tag, so it all depends on how much it’s likely to cost you for things like vet fees, dental care any of the other “essentials” mentioned. For example, both vet fees and dental care shoot up to £12,000 and third party liability for your dog is a whopping £3 million!

Restrictions

You may think the John Lewis pet insurance policy is too good to be true, and whilst they offer many benefits lots of the other companies don’t there are still certain restrictions to think about. For instance, if you have a dog that’s registered under the dangerous dogs act they can’t offer you a policy. This comes into force even if your dog is a mix or cross breed.

If you’ve been shopping around for pet insurance, you might well be aware there can be age restrictions. John Lewis will only cover your cat or dog from the age of eight weeks. Surprisingly, there isn’t an upper age limit however, if your pet is older than nine the death from illness cover isn’t available.

Other Considerations

If your pet has a pre-existing health condition, don’t expect to get cover for it. Even if your pet’s illness is hereditary or congenital John Lewis still won’t cover you. You can still get a policy with them, it just means care for the condition they already have will come out of your own pocket.

If your pet has reached the age where he or she needs to be neutered, this also isn’t covered. In fact, any routine exams or “elective” treatments will have to be paid for by you and this includes dental as well as general health.

Don’t Be Put Off

Some of you may think the last two paragraphs make the John Lewis pet insurance policy a little shall we say, stingy! However, these are standard and you’ll find them with pretty much all other companies on the market.

In fact I think they’ve more than made up for it by offering three different levels of cover as well as long-term insurance. Plus, you’re dealing with a company that’s underwritten by Royal Sun Alliance and you can’t get much more respected than that!

Just as a final thought (and I’m sure this may have crossed your mind), if you have more than one pet and insure them all with John Lewis you will receive a 5% discount. Perhaps that’s enough not to put you off!

 

 

 

AA Motorcycle Insurance Review

AA Motorcycle Insurance

It’s a minefield out there isn’t it? And I’m not just talking about finding the right motorcycle insurance policy! I’m talking about how dangerous it can be if this is your chosen form of transport. Of course, many motorcyclists are highly responsible when they take to the roads; it’s the “others” you have to watch!

All sorts of things can go wrong when you drive on two wheels instead of four! Other motorists don’t see you because they’re not paying attention. You’re out in the open rather than being housed in a tin can, and I’m not even going to start on driving in heavy traffic!

This is why it’s imperative you have the right motorbike insurance policy, and the AA is (in my humble opinion) one of the best out there! Not only has this company been around for what seems like forever, they’re not likely to disappear from the insurance market in a hurry either. This means you’re dealing with a company that has a plethora of experience, and you can rely on them as well.

So, why would you take up an AA motorcycle insurance policy ahead of anyone-else? You’re about to find out!

What You Get as Standard

Before I dive in and tell you what you get for your money without adding any extras, it’s worth noting what type of motorbikes AA will insure, and the range is pretty extensive. If you own a moped, tourer, scooter or (for those die hards among you) a super bike there’s a bike policy for you!

Right, so first off if this isn’t your first insurance policy, and you intend to move away from the company you’re currently using (and why wouldn’t you), the AA will allow you to transfer what no-claims bonus you already have. So, before you’ve even signed on the dotted line you can save some money.

No two motorcyclists are the same as I’m sure you’ll agree and this extends to the type of insurance policy you need. With this in mind, you can pick and choose what benefits you would like. In fact, if you don’t see something you’d like to have covered just ask! If you have more than one motorcycle, and I know from experience this isn’t uncommon there are multi-bike policies available.

New for Old Anyone

I like this idea because it’s more common for a motorbike to be written off than say, a car or van. For this reason, it’s not that easy to get an insurance policy that offers new for old. However, that’s not the case with the AA.

If your bike is “totalled” this company will replace it for you. Although, don’t think you can finally buy the motorbike of your dreams because there are certain restrictions. I think the fact AA offer this type of insurance for a motorbike is generous enough, don’t you?

Oh, and your precious two-wheeler doesn’t have to be crushed in order for this part of the policy to kick-in. They’ll also replace it if it’s lost or stolen (although how anyone loses a motorbike, I don’t know)!

The Optional Extras

There are some extras worth considering that cover you for more serious issues, but let’s deal with what’s probably most important to you first…..

Helmet and Leathers!

I think this extra is cleverly put together as well. Just like your motorbike, the safety gear you wear is going to be a personal choice and not everyone’s outfit costs the same. So, for that reason you can choose how much you’d like to pay:

  • For an additional £25 a year the AA will cover you for up to £500.
  • Another £5 on top of that, making it £30 and you’ll be covered up to £750
  • If you’re someone who has spared no expense with your helmet and leathers, you can decide to pay an additional £40 per year which covers you up to £1,000.

If You Have to Go Legal

One of the most common phrases used when talking about any type of vehicle insurance is “accidents happen”, and never was a truer word spoken. Sure, we all think it will never happen to us, but (and it’s a big but) if it does, there might be a situation where you need to claim costs back. This part of AA’s motorbike insurance policy will cover up to £100,000 if it all goes a bit “Pete Tong” when you’ve had an accident.

Let’s be honest, most people that don’t ride a motorbike will think it’s your fault you ended up on the bonnet of their car! So, this added extra could come in really handy, and it only costs £26 per year. Plus, your no-claims bonus is protected which is something that’s pretty unheard of in the motorcycle insurance world.

Something to Seriously Consider

As mentioned at the beginning of this review, you are at more risk of suffering a personal injury when you ride a motorbike. It doesn’t matter how safe your clothing is, you’re still in the open air so I think tagging personal injury onto your policy is well worth some thought.

If you do decide to opt for this, it will cost a measly £25 per year, and you get all of the following:

£25,000 for:

  • Loss of sight whether it’s in one or two eyes.
  • Loss of both or one of your limbs.
  • You’re permanently disabled (excluding the injuries above).
  • Accidental death. OK, this won’t benefit you but it will help those you leave behind.

Road rage is an issue these days, and as a motorcyclist you’re likely to come across this more. It’s a sad fact but you don’t have a great reputation out there guys and gals! The AA has thought about this so you also get:

  • £100 for a stay in hospital (up to 30 days).
  • £250 for emergency dental treatment.

There you have it! The AA motorcycle insurance policy, all that remains to be said is be safe out there!

AA Van Insurance Review

AA Van Insurance

OK, so I know those of you who drive vans don’t have the best reputation among other road users. Phrases like “white van man” and “road hog” are just a couple of favourites used my motorists. It does seem a little unfair considering we wouldn’t be able to receive things like the weekly supermarket shop or those “must have” shoes that were spotted on a recent internet surf if wasn’t for people who drive vans!

You may be forgiven for thinking that because you use a van for business (or personal use), you’ll be punished by insurance companies due to the reputation you have. However, that isn’t the case. Well, it isn’t where AA van insurance is concerned anyway.

AA insurance has been around for a long-time, generations in fact, so you might also be thinking they’re a little too big for their boots and don’t have to offer great deals on van insurance simply because it’s such a stable company. But this isn’t the case either. In fact, they know how competitive this marketplace is and they have a wealth of experience in making sure they gain new customers and hang on to them!

So, now I’ve “bigged” them up, you’ll probably want to know what all the fuss is about. That is if you’ve read this far! Below are as many of the benefits on AA van insurance I could squeeze into the space I have here, and there are many!

The Basics

Unlike a lot of insurance companies that deal with vehicles, you can get all levels of cover with the AA. They offer comprehensive (always a good idea in my opinion, given the amount of time you spend on the road)! Third party, fire and theft or just third party if you fancy running the gauntlet with all those other so called “motorists” on the road.

The company cover a wide range of vehicles under their van insurance from small vans to tippers, and you even get European cover if you’re planning a day trip (wink, wink)! Other benefits you can expect with a basic van insurance policy include up to 60% no-claims discount, and that won’t be affected if you need to have a repair done to your windscreen or windows (pesky stones)!

If you happen to lose your keys or someone decides they would like to lay “claim” to them, the AA will give you up to £250 to sort the problem out. Oh, and I can’t forget the 5% discount you get if you already have personal breakdown cover with them although there are restrictions with this so make sure you check.

The Extras

Van Rescue

You might think that just because you have a brand spanking new van it won’t let you down when you’re on the road right? Wrong! All sorts of things can occur, and if you use your van for business, time is money!

The AA proudly boasts they have more patrols out on the roads than any other insurer so if you do need roadside assistance, they’ll have you back on your way before you know it. For a mere £65 you’ll get a mechanic if you break down, but bear in mind you must be more than ¼ mile from your home or office address. You’ll also get something called “home start” if your van decides not to budge an inch if you’re within a ¼ mile from your home or office.

If that wasn’t enough, you also get something called relay which means you and up to 7 passengers will be transported by a friendly AA expert to a destination (UK mainland only) if your van is stubborn enough not to start.

Van Hire

I happen to think this added extra is definitely worth having especially if you use your vehicle for business. For an additional £30 the AA will give you a replacement van if your own vehicle ends up in the garage for repair. This little benefit also kicks in if your van is declared a complete loss or, (and hopefully this will never happen), is stolen.

A hire vehicle is on offer up to 21 days consecutively but only if you have a fully comprehensive van insurance policy, and 14 days for any other policy except third party only.

Legal Expenses

Again, I think this is well worth considering since you never know what’s “around the corner” when you’re on the road. Accidents do happen, and they’re not always your fault. So, if you want to make sure you’re properly protected, taking out the legal expense option will cover you for up to £100,000. This helps if you want to claim back any excess or other costs associated with an accident. Plus, the AA will kindly make sure your no-claims bonus isn’t affected, and you get all this for no less than £26 per year!

Personal Accident Cover

I actually can’t think of any reason why someone wouldn’t take this cover out. Even if you never end up with a personal injury (and let’s hope you don’t), it’s still nice to know you have the back-up should you need it. For just £27.50 per year you get up to £25,000 to help if you suffer the following:

  • Total loss of sight in one or both of your eyes.
  • If you lose one or two limbs, you’ll be covered.
  • If you end up disabled (other than the two injuries mentioned above), you’ll get assistance.
  • Accidental death is also covered.

If you suffer an injury due to road rage, and let’s face it there’s a lot of it about these days! AA will cover you for the following:

  • If you stay in hospital, the AA will give you £100 per day but this is limited to 30 days.
  • If you’ve had your teeth “bashed” in, the AA will give you £250 for emergency dental treatment.

Overall

Personally, I can’t think of a better company than AA van insurance, and given the information above it’s not surprising they’re still one of the most respected companies out there!

John Lewis Home Insurance Review

John Lewis Home Insurance

One of the biggest purchases anyone is likely to make in their lives is a home. It may surprise you but there are people out there that feel home insurance is a big scam and after all, “it will never happen to me”. How wrong they are!

The fact is Murphy’s Law has a way of teaching you a lesson, and if you don’t insure your home the chances are you’ll suffer the worst storms you’ve seen in years. Plus, to top it all yours is the only house in the street that ends up with an ancient oak tree through the roof!

OK, so lectures on why you should get home insurance aside, which company do you choose? This can be a bit of a minefield because there are so many insurance companies on the market, and it’s a highly competitive industry so it’s easy to have your head turned by cheap, cheap prices.

As you’ve probably gathered from the title to this article, I intend to tell you all about John Lewis Home insurance. At this point you might be thinking they’ll be out of your price range because, after all, they’re John Lewis darling! Not so. This company takes pride in the products and services it offers which is why they have become such a household name over the years.

They also recognise that price as well as service is important, especially in the home insurance industry but what about products?

Buildings Insurance

If you’re new to the whole home insurance situation, you might not be aware that policies like this come two fold. One part covers your buildings and the other covers your contents (more on that further down). For this section, I’m covering buildings insurance (just in case you didn’t read the sub-heading)!

John Lewis home insurance policies cover all of your outbuildings, sheds, garage, fences, gates, walls, drives and of course, the overall structure of your home. Do remember however, to be part of the buildings insurance, fixtures have to be permanent.

One of the most popular questions these days is “will I be covered for floods”? The answer in this case is yes, but do make sure you question an agent thoroughly so you understand exactly what’s involved. You will also be covered for fire damage and subsidence.

I’ve chosen the Premier level of home insurance with John Lewis just to give you an idea of some of the benefits they offer.

  • Home Emergency Cover 24 Hours a Day – Imagine this. You’re sat at home one evening enjoying an episode of Coronation Street when suddenly, there is a huge crash and water starts gushing down the stairs! Panic may well ensue as you try to remember how to switch the water off! However, if you have home insurance with John Lewis, they will give you an emergency number to call. On top of that, they’ll find the right tradesman for you AND pay up £1,500 towards the cost!
  • Alternative Accommodation – This all depends on what exactly has happened in your home, so make sure you ask about this section of the insurance policy. Basically, if you can’t live in your home due to say, a flood, John Lewis will pay for you to stay elsewhere until the damage has been repaired.
  • Unlimited Buildings Cover – Wow! I thought when I saw this little snippet of information. John Lewis have made it possible for you to stop worrying about finding out how much it will cost to rebuild your home should the worst happen. There are stipulations, especially when it comes to the contents but I’ve yet to see this offered by an alternative insurance firm!

Contents Insurance

I know this section will interest people simply because we relate to our personal items much better than the four walls around us. Don’t ask me why, it’s just one of those things I guess! Again, I’m going to choose the Premier home insurance policy because, well, it gives you the most benefits (even if it might be their top option).

The contents insurance from John Lewis is there to protect the items you have inside your home (sorry to state the obvious)! This means if you suffer loss or damage due to fire, water, storms or even theft you’ll be covered. This could be smashed glass, audio equipment, furniture and much more. What I will say is you should triple check what is actually covered before you sign on the dotted line especially if you have high value items.

Very briefly, below are some of the benefits with this level of home insurance from John Lewis:

  • Accidental Damage – Or as John Lewis term it “full accidental damage”. This means if, for instance, a glass of red wine is spilled onto your brand new cream carpet you can make a claim.
  • Personal Possession Cover – Now this might not be something everyone needs with a home insurance policy, but we are talking premier cover here! If you take items away with you (and this can be anywhere in the world), John Lewis will cover them for up to £25,000. So, if your precious camera goes missing or you can’t find your mobile phone, they will be replaced.
  • Cover for Bicycles – All pedal type bicycles are covered including any accessories regardless of whether they’re at your home or in Europe. Although you will only be covered for up to 60 days while in Europe.
  • The Student Option – Ah, parents, I feel your pain! And that’s why I think this is a great idea. If you have children at college or university, contents they take with them from the home will be insured, so there’s no need to worry about the proverbial glass of “cordial” spilt over a computer keyboard!

Overall

I have covered the top end of the John Lewis home insurance buildings and contents insurance policy however, for those of you who have a budget to worry about, you can choose to take out their Essential or Plus cover instead which also have some great benefits!

John Lewis Car Insurance Review

John Lewis Car Insurance

Some of your reading this who are of a “certain” age may well be surprised to learn that John Lewis offer car insurance policies these days. After all, this company has always been considered as one of the more up market department stores in the UK, (visits reserved for most of us at Christmas or when shopping for a special birthday present)!

They have long been synonymous with all types of products that include clothing, home-ware and electricals to name but a few. But John Lewis car insurance who would have thought it! Now, some of you may be thinking that companies should stick to what they know best. However, John Lewis has an awful lot of “clout” when it comes to expertise so they can afford to employ the best in their field! That’s why I think they’re definitely worthy of a look if you’re want to start a new car insurance policy or need to renew and would prefer a different company.

Types of Car Insurance Policies Available

First of all, it’s important to remember that not all companies will offer you “pure” third party only cover anymore however, John Lewis are different. With them, you can opt to have this one, Third Party Fire and Theft or Fully Comprehensive.

Of course, it goes without saying that in this day and age you should, where possible always opt for a fully comprehensive policy. These days, taking to the road can be a little, shall we say, “Dicey”. For the most part, many of us won’t experience a major accident, but little problems can occur and that’s where a fully comprehensive car insurance policy comes in VERY handy!

So let’s start with those of you who are looking at the more basic car insurance available:

Third Party Only

Below is what you get for this bargain policy:

  • Liabilities to Third Parties – Confused what this means? Let me explain. Basically, if you’re unfortunate enough to be liable for the injury or, (let’s hope not) the death of a person, you’ll be covered. This also extends to any damage caused. Do remember though, because you’re paying for third party only there will be restrictions so make sure you get the amount you can claim in writing before your policy starts.

     

  • Using Your Car Overseas – Legal liability to others you may have a problem with on the road will be covered under this level of car insurance with John Lewis. However, don’t think you can meander your way down to the Sahara desert to take in the scenery! You will only be covered for up to 90 days in European countries (or Non-European as pre-agreed).

     

  • No Claims Discount and Protection – Ah Ha! The wonderful no claims discount! John Lewis are not about punishing you because you can only afford to pay for a bargain car insurance policy, so they will give you no claims discount and protection with this one.

     

Third Party Fire and Theft

It goes without saying that whatever you get with Third Party Only car insurance policies John Lewis has to offer, you will also get with other levels. So, if you’ve skipped straight to this section it might be worth having a look above or you could miss some of the benefits!

So, what else do you get with this level? Let’s see.

  • Fire and Theft – It would be pretty silly not to include this since that’s what this car policy is based on! As with any car insurance company, there are some things not covered. So, if you think you might get a new CD player when there wasn’t one there before, think again!

 

The Comprehensive Car Insurance Policy

As we all know, any company that insures cars will advise it’s best to take out a fully comprehensive policy, and with good reason! There are so many benefits included in the policy available from John Lewis; it’s easier to give you a quick bullet list instead!

  • All of the above (of course).
  • Car Damage
  • Broken windows or your windscreen
  • Medical and personal accident expenses
  • Personal belongings
  • Personal accident costs
  • Replacement locks

The Little Extras

It doesn’t stop there with a John Lewis car insurance policy! If you prove you can be a careful driver, they will reward you with a no claims discount of up to 75%, and in some cases you’ll even get to protect it. Courtesy cars are provided should you need one, and if you need to be somewhere fast after an accident, the company will kindly pay your taxi fare!

Other optional extras include breakdown cover for your car which includes both roadside and home rescue assistance, and excess protection.

The Best until Last!

There was no point in starting this article with the offer John Lewis currently has. After all, the purpose here is to give you some information on what you can expect from a practical point of view. However, I couldn’t finish without mentioning the fact you could win a 5 door Golf Match 1.4 and get this! You also get a choice of metallic paint! Before you get too excited, this is a competition and you’ll be entered into the prize draw if you decide to take a policy before 31st October 2014. Oh, and if you are lucky enough to win you won’t have to worry about insuring the car because John Lewis will give you it free for the first year!

Overall

John Lewis may not be the obvious choice for a lot of people looking for a car insurance policy, but as with everything-else this company does – they’re doing it well! In my humble opinion, I think this company is well worth a look before you decide which car insurance policy will work best for you.

You can also get a number of additional discounts for things like applying online or adding a new customer to your existing policy. Plus, their customer service division gets some pretty great feedback too!

 

 

Visit John Lewis For a Free Quote

 

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