Protect yourself against floods


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How To Pay Less On Home And Contents Insurance

Buildings Insurance went up again last year,insurance industry where it hurts - their
costing homeowners another 1% a year, takingpocket.
the average to just over £205 for a year's
insurance. Contents insurance also went up,- Burglars pick posh neighbourhoods to ensure
this time by 2% - now it costs the averagethey get away with the best items - with
homeowner £151 a year. However, someexpensive items like jewellery for the
lenders are hiking prices even higher thantaking, the value of these kind of claims is
that - Norwich Union for example, raised itsincreasing.
prices  by  a  whopping  6%  last  year.
Insurance companies use statistics relating
The question is - why? There's so muchto a postcode area to calculate premiums for
competition out there, you'd expect prices toeveryone in that area. If your neighbours
be falling, not increasing - but there arehave suffered subsidence, or your area is
other forces at work, as we go on to discuss.near a river which has been known to flood -
you will have to pay higher premiums.
No 1 - the cost of having a house repaired orSimilarly, if people in your area have been
rebuiltbroken into, then it will be assumed that you
are at a higher risk of making a burglary
Labour and building materials are gettingclaim  too.
more costly, so when the insurance company
calculates how much it would cost to rebuildHaving a no-claims discount is a help when it
your house, prices are higher. This is due tocomes to offsetting the annual rise in
inflation, and the same thing affects thepremiums, but insurance companies cap these
insurance company and its own operatingdiscounts once you have 5 years no claims, so
costs. Wages, bills, office rental - allyou  will  not  get  any  further  discounts.
these costs are increasing year on year - so
of  course  insurers have to factor these in.So is there any way to avoid the rising cost
of  home  and  contents  insurance?
No  2  -  the  weather
The first thing you can do is look around for
The British weather is getting more and morethe best deal. Try the Internet for the best
tempestuous, whether it's due to globaldeals, because most insurance companies offer
warming we are not qualified to say, but it'sa discount, often 10%, for customers that buy
a fact that we have been experiencing a lotonline. You will also save if you pay by
of extreme weather in the past few years. Thedirect debit. It's tempting to accept your
1987 hurricane was a freak occurrence, butcurrent insurer's renewal quote but don't be
flash floods such as the incident infooled - the small amount of effort it will
Boscastle, Cornwall, Helmsley in Northtake to shop around will pay good dividends.
Yorkshire, and Carlisle are making theOne of the reasons for this is because
headlines on a regular basis. The Associationinsurers always offer their best deals to new
of British Insurers has stated that thecustomers, existing customers are virtually
average insurance claim due to flood damagepenalised  for  showing  loyalty!
could be anything from £15,000 to
£30,000, making huge dents into theImproving your home security is another good
insurance industry's profits. In fact, floodsway to reduce premiums - while giving you
cost insurance companies millions every year.essential peace of mind. Neighbourhood watch
schemes, external security lighting, a
No  3  -  Burglaryburglar alarm, security locks on windows, and
industry-recognised locks on external doors
Claims due to burglary have been going up,will make a difference. Obviously these
now average at around £1,400. The 2 mainthings cost money to install, but they pay
causes  are:for  themselves  in  the  long  run.
- From digital cameras to laptops, gamePlay the insurance company game and you will
consoles to ipods - our houses are full ofalways win - shop around, be prepared to move
electronic gadgets with a high value boughtinsurance company every year, and don't
new, and a high value resold. Burglars areaccept any high prices. There's always a
after these items and it's hitting thebetter deal out there!



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