Learn Some Essential Insurance Tips UK to Save You Money

Anything you can do to save money on your insurance has to be worth trying, doesn’t it? Here are some great tips that could help to get that quote down lower than you thought possible. This applies to home insurance as well as other forms of insurance.

Whenever you need home insurance you probably go down the same path most other people do. You get several quotes and automatically choose the cheapest one. This might seem like a great idea but if you don’t put much effort into it you could end up paying more than you have to.

So how can you get the best deals you could ever want?

Well, one of the best insurance tips UK to use is this – make sure you know exactly which type of insurance you need. For example, don’t just look for home insurance if you know the property is unusual in some way. If it has suffered from subsidence in the past, make sure you look for subsidence insurance instead. The same applies in other more unusual circumstances too. For subsidence insurance substitute flood insurance or something similar.

These hard to insure quotes are easier to get than you might think, providing you are looking for the right thing. Some mainstream companies will reject anyone whose property is different in this way. However there are other companies who take on the properties and owners that are rejected elsewhere. In short, if you are looking for hard to insure quotes look in the right place.

Another tip is to compare the small print on every quote you get. They may not all be the same. Some might be a lot better and more advantageous for you to consider than others. It makes sense to get the best value for money you can.

(Image Courtesy : Hardtoinsure.co.uk)

JCT insurance will protect you if you accidentally damage your neighbour’s property

When having work done on your home there is always the chance that it could damage the neighbouring properties, and this could be as a result of subsidence, lowering of ground water or vibration, amongst other things. These are all issues that are not your fault or the contractor's fault, and you will need a special policy to cover yourself if this occurs.

If you are having your home extended, refurbished or you're making any other significant changes then it is hugely important to make sure that you have the right level of cover to protect yourself if anything goes wrong. This is true not only for your own property, but also any property surrounding you such as your neighbour’s home or any other buildings, as the work being done could also have an impact on them. This is particularly true if work is being done on the foundations, as the landscape and geology of the local area is something that is out of your control.

You will require a Joint Contracts Tribunal Clause insurance policy, and this will protect you from any damages that will occur to the surrounding properties that are not your fault or the fault of the contractor. In specific terms, it will generally cover you for damage done to neighbouring properties by collapse, subsidence, weakening of support, removal of support, lowering of ground water and vibrations. As these are all impossible to predict it is very important to consider signing up for JCT insurance if you are planning on having any work done at all on your home. If damage does occur then it could cost you a lot to repair the damage done to your neighbour's home as well as legal costs to defend yourself – perhaps most importantly, it will also put back your plans on the work done to your own home.

Underpinned insurance: for properties that have had work done on the foundations

An underpinned property is one that has had work done on the foundations to stop subsidence, which can make it unlikely that a regular home insurance policy will cover it. There are specialist policies, however, that cover underpinned homes so if you live in one of these properties then be sure to get in touch with a company that offers them.

All around the country there are thousands of homes that have suffered from subsidence, which is a huge concern for all home owners. Subsidence is when your home sinks into the ground, which is generally due to the foundations that it is built on shrinking because of dry spells or trees and plants taking away all the moisture in the earth. When subsidence occurs it is important that action is taken because it can cause all kinds of damage to the home, particularly to the foundations. This action that is taken is called underpinning, which involves the property having work done below the foundations to help support the building and stop it from shrinking further into the ground.

Of course an underpinned property will still be seen as a substantial risk by insurance companies, so you may struggle to find insurance if your home has been underpinned. You can, however, take advantage of specialist policies called underpinned insurance, which are designed to cover you. Whilst the premiums may be slightly more expensive than usual, it 's better to be safe than sorry when it comes to home insurance. An underpinned property is perfectly safe to live in and the work done should stop subsidence from happening again, but it is more than likely that you will need a specialist policy to protect yourself. Get in touch with one of these companies today to find out more about insuring an underpinned property.

23% of Car Insurance Companies do not cover Misfuelling

As per a study conducted on 288 motor insurance companies, 23% of insurers do not provide coverage for misfuelling. The study was conducted by financial research firm; Defaqto.

Misfuelling is a common mistake that many motorists do. In UK alone there were 10,00,000 incidents of it in 2009. Misfuelling is on a rise not because drivers forget which fuel does their cars run on but due to the switching of fuel on which the car runs. Due to the rising fuel rates motorists make their diesel running cars into petrol ones and vise versa. They feel by doing so they will be able to save the cost of fuel but in reality, they are inviting more trouble. This can lead to severe damage to the vehicle and may cost up to £7,000 for fixing the problem. But the problem is this is not covered by many motor insurance providers and hence will cost the motorists big time.

Most of the insurance companies do not even provide coverage for towing the cars to the garage. This means when a car breaks down due to misfuelling or any other reason its owner has to bear the burnt.

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Many times motor insurance holders think they are insured for every damage that is caused to their cars. This is because they do not check the fine print details with their insurance company and this is the reason they end up paying huge amounts even after having an insurance. Misfuelling is one of the most common reason which makes car owners spend high amounts and is not insured by many insurance providers. Hence it is necessary that the car owners cautiously choose their insurance company after knowing all the facts.

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