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How will ‘while you’re out’ deliveries affect home insurance?
How will ‘while you’re out’ deliveries affect home insurance?
At a glance
A number of retailers now offer ‘in-home’ delivery services – shopping is delivered to the customer’s property and packed away while they’re outThe service is made possible by smart lock technology, which gives delivery drivers a temporary access code to enter the propertyWe discuss the potential risk implications of in-home deliveries
Online shopping...

Garden Theft Is on the Rise: Use This Guidance to Keep Your Lawn Safe
Garden Theft Is on the Rise: Use This Guidance to Keep Your Lawn Safe
While summer can be a season filled with fresh blooms and the addition of colourful fauna throughout your garden, it’s also a time that carries an elevated risk of theft. And this concern isn’t to be confused with a few missing or munched-on leaves as a result of a small creature’s empty stomach—recent statistics revealed that the theft of valuable garden items (e.g. pots, tools,...

Be Cautious of Caller ID: Top Tips to  Prevent This New Form of Fraud
Be Cautious of Caller ID: Top Tips to Prevent This New Form of Fraud
In the era of evolving technology, fraudsters have also unfortunately joined in the race to ‘go digital’ by updating their devious methods for theft. More specifically, a new form of fraud allows scammers to fool mobile phone users into thinking an incoming call is coming from their bank via a false caller ID. When mobile phone users answer the call, they are tricked into thinking they...

Home Insurance - The dangers of underinsurance?
Home Insurance - The dangers of underinsurance?

Over the years there have been numerous surveys to gauge the level of underinsurance in the UK. Recent data suggests that 70% of homes are either over or underinsured. This means that your household property may not be covered for the right amount. The implications of this can be extremely costly, sometimes so costly you could lose your home.
Why may I be underinsured?
Usually it is not deliberate,...

Don’t Let Frozen Temperatures Destroy Your Home: How to Handle Burst Pipes
Don’t Let Frozen Temperatures Destroy Your Home: How to Handle Burst Pipes
In the midst of winter, it’s difficult enough to keep warm between frigid temperatures, ice and snow—the last thing you want to deal with is burst or frozen pipes. Nevertheless, this concern takes the title as the top home insurance claim during the chilly season, according to industry experts. And while prevention methods are the best way to avoid suffering from pipe problems, it’s...

How A ‘No-deal’ Brexit Will Change Driving in the EU
How A ‘No-deal’ Brexit Will Change Driving in the EU
Whether you plan to take your family on a continental road trip in the coming months or work for a transport organisation that frequently enters the EU, the results of Brexit may alter your current travelling agenda.

In the event of a no-deal, several UK driving laws will change—for both UK citizens and commercial drivers. All drivers are being urged to contact their insurer to arrange...

Ensure Burglars Don’t Enjoy Your Summer  Holiday as Much as You Do
Ensure Burglars Don’t Enjoy Your Summer Holiday as Much as You Do
Excited about your summer holiday? So are your neighbourhood burglars. In fact, the number of burglaries has risen by 9 per cent over the previous year, according to the latest figures from the Office for National Statistics.

Whether you will be away for a few days or several weeks, don’t forget to ensure that your home is safe and secure. Follow these six pieces of guidance to help you...

Revealing Reasons for Home Insurance Claims
Revealing Reasons for Home Insurance Claims
The need for home repairs and fixes after damage occurs is often unpredictable. However, home insurance policies offer comfort and peace of mind in the event that the worst happens. Have a look at the following most common reasons for home insurance claims and how you can take steps to lower your risk: 

Accidental damage— Accidents happen. In fact, they are the most common reason...

You Won’t Regret it: Keep Your Insurer Updated
You Won’t Regret it: Keep Your Insurer Updated
When you experience a significant life change, the last person you probably think about telling is your broker. However, some life changes alter your level of risk. Inform your broker of the following life changes: 

A new job— Your career has a significant impact on your risk. After all, while some jobs require a lot of time on the road, others offer remote options.A new address— Depending...

Don’t Hit the Slopes Without the Right Cover
Don’t Hit the Slopes Without the Right Cover
An estimated 1.75 million Britons will go on a ski holiday this winter, according to the UK association for tour operators and travel agents, Abita. However, 33 per cent of Britons admit to not checking to see if their travel insurance covers winter sports. This is especially troubling, as from 2012-16, there were 58 deaths, 118 hospitalisations, and thousands of injuries from skiing and snowboarding...

Protect Your Vehicle as Theft Rates  Soar
Protect Your Vehicle as Theft Rates Soar
Even though car manufacturers have included sophisticated anti-theft devices in their vehicles, such as engine immobilisers and keyless ignitions, thieves have discovered ways to sidestep them. Unfortunately, there has been a 30 per cent increase in the number of vehicles stolen over the past three years, according to government data. What’s more, the number of insurance claims for stolen vehicles...

Follow These Recommendations to Keep Your Pipes From Freezing
Follow These Recommendations to Keep Your Pipes From Freezing
The average claim for burst pipe damage is £7,500, according to the Association of British Insurers. Generally, pipes that are exposed to outdoor temperatures and pipes that run along exterior walls with minimal insulation tend to freeze more easily. To ensure that your pipes stay warm all winter, follow these nine recommendations:

1. Set your thermostat to at least 12C and keep the heat...