Life Insurance, Home Insurance, Car Insurance, Insurance and Finance

Car Insurance

End of the road for the whiplash fraudsters?

January 16, 2012 By Riley Jenkins

I’m sure we all know people who have made claims for whiplash injuries following motor accidents when their car has been hit from behind. I was once hit from behind gently. My Honda suffered no damage, nor did I, but I was “surprised” by my passenger’s whiplash injury! The whiplash injury has become the shame [...]

Britain’s drivers getting greener

January 9, 2012 By Riley Jenkins

The number of people buying environmentally friendly cars in the UK is on the rise. While the number of hybrids and eco cars UK consumers are buying is miniscule compared to conventional cars, nonetheless it is gradually growing. In November 2011, 1.6% of the new cars sold in the UK were neither petrol nor diesel [...]

Finding the best insurance cover

December 14, 2011 By Riley Jenkins

Car insurance is one of those things that we all have to have – even if our car just sits on the driveway. Since June 2011 it has become a legal requirement to have insurance for every vehicle registered under your name, unless you have filled in a SORN application to declare it as legally [...]

How to make a car insurance claim

November 24, 2011 By Riley Jenkins

If you’ve had a bump or worse in your car, not only can it be shocking and upsetting; it can also add a big pile of stress and hassle to your day. Whatever car you’re driving, whether it’s a Honda, a Ford, or a Jaguar, brand new or ancient, if it wasn’t your fault, sorting [...]

Home Insurance

Don’t forget your contents insurance!

November 30, 2011 By Riley Jenkins

When thinking about insurance policies, people tend to think about the legal obligations first and foremost. You have to insure your car in order to drive it, in fact you have to insure it even if you never drive it. And in order to secure a mortgage on your home, you need buildings insurance, too.

Home contents insurance, however, is still optional in the UK, and many people decide not to bother with it, and ‘save’ the money. This is all very well if your house is 100% safe from burglars, fire, flood and other acts of God, but how do you know that’s the case?

Apparently, one in three households is likely to be burgled at some stage, but only three-quarters of us have adequate home insurance policies.

So, what will home contents insurance cover?

Broadly speaking, standard contents insurance will cover items that you would take with you if you were to move house. These include things like electrical items, white goods, money, clothes and furniture like your sofas and chairs, beds, wardrobes and tables. The insurance covers the value of these items against loss or damage caused by theft or break-in, fire, lightning, explosion or earthquake. It also covers water damage through flood, burst pipes or storms.

The type of policy you choose can vary. The main choice is whether you have a policy that covers your contents ‘as new’ or ‘new for old’ or whether you go for an indemnity policy.

‘As new’ means that the insurance pays out the full cost for repair or replacement of something that has been damaged, or pays to cover the cost of replacing stolen belongings. If you have this kind of policy and a flood destroys your sofa, for example, then your insurance cover will allow you to go to a sofas sale and buy a new replacement.

Indemnity policies cost you less in premiums as they pay out less in case of a claim. The insurance payout amount is reduced to include depreciation in value or wear and tear on goods. As an example, if your six-year old TV is damaged in an electrical storm, then the payout will reflect its current value rather than its as new price.

If the worst happens and your home is damaged in some way, you’ll be grateful that you’ve made the relatively small financial commitment to have contents insurance, even if you’re not obliged to.

Home Insurance Premiums Continue To Rise

October 19, 2011 By Riley Jenkins

The AA has warned that home insurance premiums are continuing to rise at a time when very few homeowners are well-placed to cope with the soaring cost of bills.

The AA have revealed that over the past year, combined buildings and contents insurance premiums have risen sharply, and the bad news is that the trend is only set to continue during the closing months of 2011, and maybe even beyond.

Buildings insurance is now costing the average homeowner around £152, according to the AA, while contents insurance is weighing in at a slightly more conservative figure of £77. It is thought that claims relating to bad weather over the past 12 months have resulted in the increase in premiums for buildings household insurance. Wind damage, damage from lightning strikes (and even tornadoes!), and the traditional damage resulting from broken or frozen pipes and roof tanks are thought to have been the biggest offenders in this respect.

With news of a harsh winter on its way for Brits still coping with the short-lived summer, insurance companies have also been urging homeowners to carry out pre-winter checks on their homes in order to safeguard against having to make a claim around the festive season. The usual advice applies, so make sure you check your pipes, climb onto the roof to check for any loose tiles or fixtures around the chimney, and put that emergency kit into the cupboard under the stairs just in case!

One ray of light in the insurance news for consumers did come in the form of car insurance premiums remaining fairly steady, but this won’t come as music to the ears of young motorists who have already been hit hard by the biggest-ever rises in premiums over the past two years or so.

Life Insurance

Invest in property – are you mad!?

December 15, 2011 By Riley Jenkins

The words investing and property have become rather sullied in recent years and I’m not for one moment going to suggest that you should take a contrarian approach and try and buck the trend in the UK at today’s prices. The fact is that house prices in particular, still make little or no sense in [...]

The Low Down On Life Insurance

April 15, 2011 By

Life Insurance is a kind of insurance that pays financial proceeds on the demise of the insured covered in the policy. Basically , a life assurance policy is a contract made between the named insured and the insurance firm whereby the insurance firm consents to pay a fixed upon amount of cash to the insured’s [...]

Personal Finances

High yielders do the business

January 13, 2012 By Riley Jenkins

If you’re a saver, it can hardly have escaped your notice that there’s barely any point bothering in these days of 0.5% interest rates – with no reversal in sight, for the time being at least. But if your rely on your savings and investments to provide you with at least some if your living [...]

The all-new Civic is here

January 4, 2012 By Riley Jenkins

The all-new Civic is here and it’s better than ever. The Civic is surely the car to which Honda owes its reputation for innovation more than any other. And the new honda civic 2012 certainly continues that proud tradition. The new model’s petrol engines have Honda’s latest i-VTEC system, as well as a completely redesigned [...]

www.activelifequotes.co.uk

Car Insurance

End of the road for the whiplash fraudsters?

Britain’s drivers getting greener

Finding the best insurance cover

How to make a car insurance claim

Home Insurance

Don’t forget your contents insurance!

Home Insurance Premiums Continue To Rise

Life Insurance

Invest in property – are you mad!?

The Low Down On Life Insurance

Personal Finances

High yielders do the business

The all-new Civic is here

Travel Insurance

Why Do You Need Travel Insurance

activelifequotes.co.uk

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