06 Dec
Posted by David Cambridge as Insurance Tips
Under a standard residential or commercial building insurance policy, you will have certain covers. One of these will be in respect of your liability to third parties, whether this is physical property or people.
Cold snap seems such a lightweight phrase, given we are now sitting at -15 in Scotland and most of the UK is likely to spend the next day or so at sub zero temperatures. But, whatever we call it, is dangerous out there. As buildings start to heat up, this causes the snow to melt on roofs (only slightly) and as the water follows it’s gravitational force downwards, icicles are forming everywhere.
But what do you do if an icicle falls, without damaging your building, and damages someone’s property (ie a car) or worse still, hits someone? Fall
Home and contents insurer Hiscox is advising home owners to be on the look out for burst pipes.
When the snow and ice begin to thaw leaks caused by burst pipes may become more noticeable, as water leaks into the property.
Hiscox home insurance expert Austyn Tusler explained that the unusually early onset of freezing conditions may have caught homeowners off-guard, and warned that there was still a long winter ahead of the UK.
If left, a leak can cause damage to a home’s structure, electrical wiring and belongings and catching them early saves not just money but also reduces the damage incurred.
Leaks can be identified by damp spots on ceilings and walls and if a tap is turned on and no water comes out (in which case the water supply should be turned off and a plumber called immediately).
Homeowners should also check exposed pipes and isolated areas such as lofts.
Earlier this week the Association of British Insurers (ABI) warned that frozen and burst pipes could cost as much as £650m, and urged homeowners to either keep their heating on or (if they are away for a porlonged period) draining the cold water system.
02 Dec
Posted by Holly Cadman as Insurance News
While shopping around for automobile insurance quotes, most times people end up doing an online search. However, there might be others who have their standard insurance agents who has been doing the job for them for many years. If one has to switch over from one insurance provider to another, then online searches is the way to go. They do help in saving time, but one must be absolutely sure that the information they receive from the website is correct and not misleading. If there are any doubts at all, it is wise to make a personal visit and receive clarifications before choosing the insurance plan.
With all the technological advances, it is wise to use them to shop around for the right insurance provider and get the right automobile insurance quotes. However, sometimes people are skeptical about applying online and the prime reason for that is the fact that they have to reveal a lot of personal details and that could be available to fraudsters who may misuse the information. However, these fears can be eliminated, as most of the reputed insurance companies will never let go of the trust of their customers. They will ensure the information provided by the applicant is strictly confidential and do this by offering a 128-bit encryption technology in order to prevent the information from being hacked into. Extra precautions are taken to get the personal details of the applicant.
Internet has grown beyond imagination, and companies as well as agents process applications online, as it is faster as well as convenient. Since these websites are both safe and secure, this process saves time and money for both the applicants and the providers. The whole procedure of obtaining a quote typically takes no longer than 15 minutes. There is a lot of time saved due to this, as one does not have to wait in endless queues to meet the concerned officials to obtain a quote, nor does one have to deal with annoying agents trying to sell their products.
To get the quotes online it is advisable to apply only at the websites of well-known auto insurance companies. This way, only a single quote can be obtained from a particular company only. Applying through a referral based agent (insurance), will provide you with multiple quotes. It is possible to receive up to 5 quotes through a single application.
2011 marks the beginning of big changes for Medicare recipients according to the article “Medicare Changes Set for 2011? by The Times-Standard. There are four major changes affecting beneficiaries which include:
The National Council on Aging says these are just some of the changes Medicare will face in 2011 and each beneficiary may be affected differently. It’s so important for beneficiaries to understand how their plans will be affected. They may Full Article…
Following the early incidence of winter weather, and with a prolonged cold snap forecast, independent broker Perkins Slade has offered homeowners tips on how best to safeguard their homes from the wintry weather.
Homeowners should check their central heating and ensure the thermostat is working properly, and those with older boilers should consider installing frost thermostats.
In addition, heating should be kept on constantly, including overnight, to prevent pipes freezing and then bursting.
Perkins Slade also advocates lagging exposed pipes and making sure that the means of turning off the main water supply is known.
Should the home be vacant for a period of time the central heating system should be drained and the main water supply turned off, or the heating should be kept on at 10C.
According to BBC weather forecasts the cold weather, including the earliest snowfall for over a decade, could last two weeks.