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Cheaper contents insurance
Arranging a swap with another council or housing association tenant can be a quick and convenient way of conducting an essential move. However, once you've arranged your new residence and got your plans in order, it's highly recommended you compare home insurance quotes to amply protect your belongings. As a tenant, buildings insurance isn't your responsibility. However, to make sure that your possessions are adequately covered, a good home contents policy is the order of the day. Moving home is actually a good time to take stock for your contents insurance as it will offer you an opportunity to calculate the value of your property as you pack up, so you can provide an accurate figure to your potential insurers. It's always important to provide a figure which adequately reflects the value of your property, as insurance companies will not retrospectively take into account items you've missed out. If you already have a valid insurance policy, then it's vital that you notify your insurance company of the change in your circumstances, or risk completely invalidating it. You should also take account of what the exclusions of your policy are. These are the circumstances in which you will not be able to make a claim. Every insurance company will have a different set of exclusions, but a common situation that will make your claim invalid is if items have been stolen from your home without forced entry. If you have declared fitting a burglar alarm but don't use it, it might also make your claim void. Similarly, in case of damage caused by fire, disabled smoke alarms will not help in the claim. So, how can you reduce the price you pay for your insurance premium? There are a number of methods you can employ which will stand you in good stead for a cheaper insurance policy. The following tips may be of help: Become a member of a neighbourhood watch Joining one of these schemes could put you in line for a discount on your insurance, and will also present a great opportunity to meet the neighbours, too. Prevent fires Installing at least one smoke alarm will mean that your house is at a less risk from fire, and this will be reflected in your premium. Make sure, however, that it is an approved model. It should also be regularly maintained and kept operational, as your insurance may be invalidated otherwise. Choose options wisely Insurers usually offer a series of add-ons to your policy, and trimming away options which you feel you can easily do without is a great way to cut the price of your insurance. Pay annually If you're able to do so, make your insurance payment annually rather than in instalments as you will not incur any further charges. Agree to a higher excess Fixing the contribution that you pay towards a claim at a higher level will mean that your premium will cost less. But make sure that the sum you agree to pay is at a level that you can easily afford should you have to make a claim. Shop around online Price comparison websites have made it very easy to browse contents insurance quotes from lots of companies by just entering a few details, so you have a better idea of where the best deals are to be had. But always be sure to compare the cover that each quote offers to see it offers the cover that you need, so check the maximum pay-out and the excess levels. Buying through the internet might also yield cheaper results due to the lower overheads associated with online business. |
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