Insurance and Moving Home

What’s the first comment most people make when they hear you’re moving home? That’s right, “it’s one of the most stressful things you can do”. Less than helpful isn’t it! However it is true and anything you can do, no matter if it’s your first or 100th move is to make sure you reduce the amount of stress you have to go through. But how I hear you cry! Well, apart from reaching for a large glass of wine (or something stronger) when you’re faced with a mountain of packing, it’s wise to ensure you don’t have to worry about your belongings when they’re not with you.

Home Insurance

Of course, you will already have home insurance and if you haven’t perhaps you should read some of the information we have on our website. It’s not there just because we like to teach people to “suck eggs”, it’s there to protect you from any of those precious items being damaged or stolen.

If you have home insurance it’s unlikely your policy will cover you when you’re moving home. Part of the reason for this is if companies did there would be no need for the guys (or gals) who offer goods in transit insurance (more on that below). Another reason is when you move, your belongings are neither here nor there until they meet their intended destination i.e. not at home!

So, the moral of this little section of our blog is DON’T think that just because your items are covered when indoors, they’ll be covered when they take a short (or long) trip! That said, it’s always worth talking to your chosen firm because they might just be able to handle what you’re looking for and potentially far cheaper than anyone else (add it to your to do list).

Goods in Transit

Most of us will need to use a removal company when we’re on the move with our belongings and its imperative (that’s REALLY IMPORTANT) that you check they’re insured. Even your average man with a van should be able to show the relevant documents required so if they do happen to smash Grandma’s Ming vase you will at least be able to recover the cost.

Do remember at this point that you can’t put a price on sentimental items that could end up with a crack or two. If you have to entrust these to a removal company, make sure you explain how important (and valuable) certain belongings are.

One other piece of advice is to trust your gut! If you have the slightest doubt the company you’re talking to won’t do “what is says on the tin (on wheels)” forget them and move on to the next. Likewise, it’s also worth talking to other people who have used them.

Don’t Go Cheap

If a removal company tell you they’ll beat any price, and they can do any date you like there might be a reason for this….they’re either dodgy or don’t have a lot of business on their hands! Instead, get two or three quotes you can compare and go with the one that makes you feel most comfortable. After all, these are your precious things and need to be protected. If you follow some, (hopefully all) of the tips above you can at least strike one stress of your list when moving home.

 

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!

 

 

Home Insurance Review

Home insurance is possibly one of the most important insurance policies you will take out. As they say “a man’s home is his castle”. If you are not insured when it comes to your home, this can potentially be a complete disaster for you and in some extreme cases can even bankrupt you! You don’t need to end up in a situation like this, just make sure that you get a decent home insurance policy that will protect you, your family, your belongings and your house from anything that might go wrong.

How to Start Looking for a Home Insurance Policy

One way in which you can start looking for a home insurance policy is when you either take out a mortgage or buy a property outright; take the advice of the mortgage lender or the estate agent you have made your purchase with. These companies often have systems in place that mean that they receive a commission for inviting you to take a home insurance policy with certain companies. Of course, with mortgage lenders, it is in their interest to make sure that you have the correct home insurance policy in place, remember, they have a vested interest in your home too.

The other way you can set about looking for a home insurance policy is to turn to the internet, there are many price comparison websites you can use to get the best price possible for your home insurance policy, you will also find that on some of these websites you can enter any special requirements you might have when it comes to insuring your home. Do however, make sure that you don’t stop there with your research, there are a lot of companies that do not use price comparison websites and you might be able to better the price you have already found.

Some of the Best Companies that Offer Home Insurance

Direct Line – This Company will not be found on price comparison websites and they are proud of that fact. They have a wide range of home insurance policies that will suit just about everyone. As standard, Direct Line offers the following with their home insurance policies:

  • Contents cover up to £50,000.
  • Personal possessions insurance up to £50,000.

Direct line offer 2 types of home insurance plans, home insurance and home insurance plus. Between them Direct Line offers the following:

  • Buildings cover.
  • Alternative accommodation.
  • Accidental Damage.
  • Family Legal Protection.
  • Home Emergency cover.
  • Cycle Cover.
  • Online and identity fraud (this is really useful to have these days, we all use the internet for shopping or online banking to a certain degree and theft of your identity is big business).

All in all, the home insurance you will get with this company will cover just about anything you need.

More Than – This company has some really comprehensive home insurance policies available and at great rates. They promise to beat any quote that you may have when it is time for you to renew your home insurance policy, however, do not compromise on service. One of the first things you are faced with when looking at their website is the fact that they will offer you a saving of around £130 on your contents insurance. There are many benefits that come with More Than and their home insurance policies, here are some of them:

  • They pay for replacement keys and locks on your home if they are lost or stolen.
  • Garden cover (I think this a great idea), this is available as standard and will cover your plants and trees to the value of £2,000. You will also benefit from cover on your garden furniture, kids toys and your barbeque.
  • Have you ever tried calling up an insurance company either to make a claim or find our more about the service they offer? If the answer is yes then, like me, you are more than likely fed up with not getting the same person twice. More Than will allocate a dedicated manager to your account, another great idea. At last, a company that recognises the fact us, the public and their customers need some continuity when dealing with them.

You should also know that his company has been awarded the best online contents and home insurance award for the last 2 years on the trot. Another plus when you are looking for a home insurance company you can trust.

You may not know but many banks have now started to offer home insurance in the UK, so whoever you bank with, it might be worth asking the question.

Above are just a couple of examples that I thought you should know about when it comes to home insurance, in my opinion the 2 that I have mentioned are the best on the market at the moment.

What Do I Do if I have a Specialist Item in my Home that needs to be insured?

That’s an easy one, tonnes of home insurance companies recognise that you may have belongings that are very dear to you but are not the run of the mill objects. Maybe you have a Grand Piano that has been passed down through the generations or you might have a grandfather clock that dates back to the 1700’s. All you have to do is make sure that the home insurance policy that you take out will cover these items. In some cases (depending on the value of the item in question) you may be asked to take out a separate policy for this item on it’s own as it will be treated differently to anything else you have covered on your standard home insurance policy.

What do I do if I live in a Flood Alert Area?

This is a question that sits on many peoples lips these days. In recent years the UK has suffered some of the worst flooding in decades. Initially, home insurance companies reacted with panic as they suddenly had hundreds more people claiming for water damage in their homes. Things, thankfully, have now settled down a little bit and the powers that be within home insurance companies have had time to re-evaluate how they treat this sort of problem. In the beginning it was very difficult to get home insurance (if you could even get insured at all) however, there are now policies available that will protect your home and it’s belongings from water damage. Make sure that whoever you decide to take your home insurance policy out with does in fact cover water damage or flooding.

A Couple of Pitfalls to Look Out For

One potential pitfall you can come across when taking out a new home insurance policy are clauses that are included in the contract that may not be clear to you. For instance, there have been many times when people have put in a claim because that 100 year old oak tree came crashing through the roof of their house due to an unexpected storm. When making the claim, they are told that “sorry, we cannot pay out as this was an act of God”. Not very fair is it, how are you supposed to know what is considered to be a “hand of God” and what isn’t. After all, that’s what Maradona refers to his hand as and I bet he hasn’t had any trouble getting insurance!

Make sure that you check with your chosen home insurance company what they consider to be this type of incident and what they will not cover. It’s just as important to know what the insurance company will NOT pay for as it is to know what they will pay for.

In Conclusion

Finding home insurance does not have to be a major headache, as mentioned there a loads of home insurance companies to choose from but as I have already said, price comparison websites can help take some of the hassle out of finding the right company. Also, try talking to your friends or even ask at work which company the business you work for has their insurance with. The chances are that whoever they use will offer home insurance as well.

Above all, make sure you have ALL of the cover you need when it comes to home insurance, it’s relatively cheap to obtain a decent policy these days. Home insurance is a very competitive market place and that can only be good for us consumers. In my opinion, take more cover than you are ever likely to need, that way you are covered for just about any eventuality.

If you have read this far and still think that home insurance is bottom of the list when ensuring that you are protected from any accidents that may occur in the home, think again. Even something as small as a leaking pipe can cause and inordinate amount of damage in the home and the last thing you need is to have to pay for your own repairs.

NatWest Car Insurance Review

If you are looking for car insurance and happen to bank with NatWest, you’re in luck. Many banks have recognised that they can offer other services than just keeping you money safe and, in today’s economic climate they have had to look for other ways in which they can make a bit of cash for themselves. NatWest is now possibly one of the oldest banks in the UK and the fact that they have managed to pretty much stay out of the news when the media decide to start to pick on the banking world is testament to the fact that they know what they’re doing.
You may, at this point be thinking that “putting all of your eggs in one basket” is not such a good thing at the moment, however, if you are currently a customer with NatWest then it’s worth looking at the benefits they can offer you with car insurance. After all, a bank account and a car insurance policy is hardly keeping everything in one place now is it? By the way, if you’re not currently a customer with NatWest you’re not excluded, you can take out a car insurance policy with them and reap the benefits because you are a new customer. The aim of the game for this bank is to have as many customers as possible in order for them to be able to continue to give the excellent service they have been offering for many years now.
So, what do you get with a NatWest car insurance policy; the answer? Plenty, in fact more than enough to ensure that you will be well looked after if you run into any trouble when you are on the road and, at competitive prices too. Here are some of the benefits you can expect to receive when you take out a car insurance policy with NatWest:
• Recovery for uninsured drivers – This is a massive problem in the UK, largely due to the fact that there are many people that use the roads but don’t understand that they need to be insured as a legal requirement. That said there are also plenty of undesirables that think that they can just get away without paying for insurance.

 

Companies such as NatWest have recognised that this is an issue and now offer, as standard, protection from these people. If you are hit or are in an accident with someone who is not insured, a NatWest car insurance policy will make sure that you do not lose your no claims discount. It doesn’t stop there; they will also make sure that you are covered for up to £100,000 should you need to make a claim for personal injury (that’s an article for another day)! Do bear in mind however; that you need to be under a fully comprehensive insurance policy and that the accident is not your fault. After all, how could NatWest make any money from their car insurance policies if everyone goes on the rampage and decides to seek out those that are not insured and start to ram them off the road!
• You and your partner or spouse can expect to receive up to £5,000 of personal cover if you are involved in a traffic accident. This is an amount that will cover pretty much most expenses when or if you have an accident and the fact that your partner is covered is an added bonus. For all those ladies out there that have “boy racers” in their lives; this part of the NatWest car insurance policy should make you feel a bit better about life when they zip out of the driveway in the mornings.
• If your car needs to go in for repairs due to and accident then if you use a repairer that has been approved by NatWest, you will receive a replacement vehicle for the duration of the repairs; not only that but you can expect to have your car collected from where ever it landed up and delivered back to your home address. Plus, those dear old mechanics will clean your car inside and out for you….no oily finger prints or stains on the carpets when you get your car back!
• If your windscreen or any of the windows on your car need replacing, this will be covered by a NatWest car insurance policy. However, this is only available if you have a fully comprehensive policy and you will still be liable for the excess.
• For those of you out there that like to drive so that you can blast out the latest tunes through your audio equipment and give the odd pensioner a near heart attack you will get cover for your audio equipment of up to £1,000 with a NatWest car insurance policy.
• If you need assistance at the roadside, NatWest can help with the car insurance policy that they offer. This part of their policy is completely optional and you will be looked after by Green Flag. Not only that, you’ll receive “mates rates” when it comes to using them.
• Should you need to make a claim then your NatWest car insurance policy will give you the ability to do this 365 days per year 24 hours per day.

 

So, if you happen to be in an accident on New Years Eve, you will still be able to start your claim with one simple phone call to their helpline.
For those of you that Already Bank with the NatWest
The information I have provided so far in this article has been for everyone, whether you bank with NatWest or not. However, if you’re already a customer then there are some extra benefits available if you take out a car insurance policy with them. Nothing like making you feel a bit special now is there? Listed below are some of the benefits that NatWest offers its existing customers:
• Currently, if you go to NatWest’s official website and apply online for a car insurance policy, you will receive a discount of 15% on your 1st year. Do be aware though that you have to enter a promotional code which the IT guys at NatWest have kindly put in bold on the website so that you don’t miss it.
• If you’re currently a customer with NatWest, you will know that they have different types of bank accounts; these are Silver, gold and black advantage accounts or, advantage private accounts. If you are lucky enough to be one those people that have this type of account then you can get an additional 10% off the 1st year when you take out a car insurance policy; this means that you can make a saving of up to 25%. Not many other car insurance companies can boast this and I’ll bet you would be hard pressed to find another bank that can!
• Perhaps you have home insurance with NatWest; you guys have not been left out either. If you take out a car insurance policy with them, they will give you a 10% discount on your 1st year.
• When it comes to no claims discounts you can expect to get up to 65% and if your are over the age of 50 this will rise to 70%….simply because those of you that are older are considered to be safer drivers.
These are just some of the benefits that you can expect to achieve when you take out a NatWest car insurance policy. If you thought that banks were not the way to go when taking out a car insurance policy then think again. NatWest have been offering these sorts of policies for sometime now and I don’t know of anyone that is not happy when it comes to the service that they offer. Ok, so if you have a bank account or home insurance policy then the benefits you receive out way those than if you don’t but that’s only fair isn’t it? At the end of the day, if you are current NatWest customer you wouldn’t be too happy if “newbie’s” where receiving the same sort of attention as you.
NatWest have also made it very easy for anyone to apply for a car insurance policy, you can get a quote online from their official website, or you can find them on many price comparison websites. If you prefer the personal touch then why not go to your local branch. For those of you that have little spare time to visit a branch then you can call them up; you will find their staff friendly and knowledgeable.
NatWest are not just helpful when it comes to banking, they are also helpful when it comes to a new car insurance policy. Why not give them a call today and see if they can beat your latest renewal quote? Whether you are a new customer or an existing customer NatWest will do what they can to make sure you get the right policy.

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