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Protect the PC the way you would a house

Thursday, July 22nd, 2010

Not so long ago, access to the internet was via dial-up connection and kettles across the country were switched on as people waited for the screen to display the World Wide Web, it was that bad! In just a few years broadband has arrived making things much faster. Wireless broadband has been another improvement and with it came the wireless router.

Today, a broadband connection is not just limited to serving one computer. A wireless router will make it easy to connect every computer in the home, but if the homeowner is not careful the wireless router can give access to more than just the people it was intended for. No one wants to make a claim on the household insurance because a door or window has been left open. Making sure all the computers are safe, especially the WiFi connection is just as important as locking doors and windows. Wireless sharing is a good way to make the most of a broadband internet connection, it can also raise some security issues, but a properly configured wireless network could actually make all the computers safer, this is due to the router’s built in firewall. Not only can every computer gain access to the internet at the same time, but when a wireless router is set up correctly other devices like printers, PDAs, cameras and internet telephone handsets can also take advantage of the wireless capabilities.

Using a wireless router is definitely the most convenient way of getting the best from broadband. A wired router leaves a trail of chunky Ethernet cables all over the home. It is possible to do without a router and instead use Windows Internet Connection Sharing which can turn one of the computers into an internet gateway. However, by doing this the other computers in the home will only have a constant internet access if the gateway machine is constantly switched on, which to be fair is an expensive waste of electricity and will make a carbon footprint a few sizes bigger. However by installing a WiFi router it would solve all of these problems, and it is very easy to do.

A wireless router creates a network that all of the homes computers can use to access one broadband connection. It may sound complicated, but in reality it is very straightforward. The Wireless routers job is to act as a junction box that will join the network of the home together. The wireless router will connect to the broadband line through a modem, then each of the computers in the home will connect to the router either wirelessly or, maybe if it is in the same place as the router, it will be through one of its wired ports.

For a wired connection, the computer must have an Ethernet adaptor (which most recently released systems will have), built into the motherboard. To connect wirelessly, a computer must have a wireless network adaptor.  If it is a laptop chances are it will have one built in already, if it is an older desktop that is being used they are very easy to add on. The kind of router needed depends on what the broadband connection is and also the existing hardware. If it is a cable modem with an Ethernet port, than this be can used with a new router. If however it is any kind of ADSL modem it is recommended that a router with an ADSL modem built in is used, because it is a lot easier to set up and does not cost much more.

If a wireless network is left unsecured, it will mean that anyone who is within range and who has a WiFi equipped computer would be able to use the broadband line, and have access to the computer and all the files connected to it.  It may seem somewhat unlikely that a hacker will do this, but just bear in mind that ‘bandwidth stealing’ is becoming all too common.

Tags: household insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Home Security | No Comments »

A tasty way to start saving the planet

Wednesday, July 21st, 2010

Growing your own food is one of the easiest ways of reducing a carbon footprint. There are not many better feelings than snapping off some leeks, pulling a handful of new potatoes or harvesting green beans from the garden. With money still tight for most people, home gardening is a great way to eat affordable and healthy food, as well as connect with nature and have the joy of watching them grow. Leeks are a very easy vegetable to grow and also one of the mildest tasting vegetables in the onion family. Leeks are known for their long stems and are great when used in soups, stews and casseroles, while lettuce is another easy vegetable to grow, and is very popular with gardeners old and new because within 6 weeks of planting, they can be harvested.

Not since The Good Life was on television has the United Kingdom been planting, sowing and harvesting in such numbers. Many people are very worried about food miles while others want to eat more wholesome organic produce, whatever the reason more and more are choosing to grow their own.  It is not surprising then, that sales of vegetable seeds have now overtaken sales of flowers. An important job of being in the garden more is making sure the home is secure; make sure all doors and windows are secure in case any opportunist thieves are in the area. Also if you bring anything valuable out into the garden with you while working, contact your household insurance company to check theft from the garden is covered on the policy.

The good news is that anyone can grow vegetables. It does not matter how big or small the plot size; it can be a window sill or a massive garden. Many are doing organic gardening as a hobby that helps them relax. The organic garden has increased in popularity over the last few years, and even though organic food is very easy to get at all supermarkets, gardeners would rather do it themselves. Organic gardening is very satisfying and is done with the use of no chemical fertilizers no pesticides and no artificial supplements during the growing process. Making the compost is so much more fulfilling than grabbing a bag of chemical fertilizer. It is simply using up garden and kitchen waste material.  Use potato and other vegetable peelings; add some rose cuttings which will help with the texture.

Organic gardening can give a good sense of pride even if the only space available is a small patch of land. It is even possible to get the children involved in organic gardening, by encouraging them to have an interest in how the food is made. They are sure to have some fun helping with the making of the compost, planting seeds and trying to think up ideas on how to remove any bugs. But most of all, they will love eating all the delicious food that has come from the organic garden. “

Tags: Garden, Garden Insurance, Growing vegetables, Home Insurance, Home Security, household insurance, Saving Money
Posted in Advice for Tenants, Contents Insurance, Garden, Home Insurance, Home Security, Possessions Insurance, Saving Money | No Comments »

Make room for DVD’s

Thursday, July 8th, 2010

The dawn of the digital era has seen most households acquire more luxury items, thus making cheap household insurance an essential to a great many families. It was not always like that, many years ago the state of the art piece of technology in most homes was the video player. And for those of a certain age, somewhere in the house there will be some big bags or even boxes containing dozens of video tapes.  Some of these tapes will be important and have footage of a wedding or birthday party, while others will perhaps have episodes of Quincy or Magnum PI. Whatever the reason the tape was kept for posterity, it is very unlikely it will be on its own. People have hoarded millions.

When the video came out, it was as if the future had arrived. We could record a television programme and watch it at a later date. Everyone thought it could not get any better. Well everyone was wrong, VHS cassettes have gone the same way of the dodo, and they degrade over time due to repeated playing, they are just too big and unwieldy for the digital age. A video is now very tedious to have to use, endless rewinding and fast forwarding, trying to find the exact point on the tape can be exasperating. However, don’t throw away those old cassettes just yet, because we are now in the digital age and it is possible to transfer the entire contents of the tape onto a recordable DVD, which will allow the viewing of VHS movies and old television programmes. A video player is now very hard to get hold of, and the time will come when they will be gone. It is not a difficult job to transfer VHS to DVD, the easiest way is to use a recordable DVD player.

Before starting the journey on this transfer delight, remember these two points. Firstly, shop bought video cassettes of films that have a built-in copyright protection and cannot normally be copied be to a DVD disc. This should not really be a problem as any film that is likely to be on a VHS tape will be available on DVD for a very small sum of money. Secondly, when copying from tape to DVD, the resulting disc will not look as crisp as a newly bought DVDs as the image quality will be slightly compressed

By far the simplest  and most efficient way to record a VHS tape over to DVD is to use a combo player with a recordable DVD built in, which will carry equipment for both formats in a single (if rather large) unit. Place the VHS tape in the unit (and set the television to show the VHS option), then press record on the DVD side of the combo just before playing the tape. Then simply let the VHS tape run from the start to the finish and do not  stop the tape; if the tape is paused or fast forward put in motion, it will show up on the DVD. When the tape has run through to the end, press stop and check the DVD to see if the transfer was completed successfully.

It is also possible to buy a VHS-DVD burner, which is designed solely to transfer tapes to DVD. These are very easy to connect to a VCR and will convert the tapes much quicker than the combo unit does. If there are a large number of tapes to transfer it is worth thinking about.

Tags: DVD, household insurance
Posted in Contents Insurance, Home Insurance, Possessions Insurance | No Comments »

Television no longer a box in the corner

Wednesday, July 7th, 2010

With so many HD Television channels starting to appear, getting a new HDTV is becoming more popular. Wanting tobuy a new HDTV is easy; knowing which one to get can be the hardest part. Is it Plasma or a LCD HDTV?  Firstly decide how much money is available to spend on a new television, and when a new expensive television is bought, make sure it is covered on the household insurance policy. Bear in mind that a LCD TV will only use about a third to half the electricity that is needed to power a Plasma screen television of the same size, so take into consideration the amount of money that will be saved over the lifetime of the television by going with an LCD television.

The lighting of the room needs to be considered. In a very bright room, a LCD television will have better pictures as they are not as reflective as Plasmas. While in a dark room the plasma television will give the better picture. This is simply because a Plasma television will display black much better than a LCD television can do. Decide whether the viewing angle is an important feature. A LCD television is best viewed at a straight on angle because the bigger the angle a LCD is looked at, the more the picture will darken slightly. A Plasma television has better viewing angles.

Another consideration is the type of films that will be watched and whether the television will be used playing lots of video games. On a LCD television, motion blur can be noticeable with fast images. With a plasma television it will be barely noticeable. If a lot of sport will be watched on the television, then the only one to choose is a Plasma TV. It has got an amazing viewing angle, which basically means that watching a game will have the same perfect picture from anywhere in the room.A Plasma television will provide the best colour, the best contrast ratios and the best motion in the HDTV department. This is because each individual pixel controls both the brightness and colour which gives the plasma televisions much more shadow detail, as well as better depth of field.

Finally a Plasma television will last just as long as a LCD TVs. Most plasma manufacturers give a life span of around 100,000 hours. This is a huge number, even if watching a television for 18 hours a day. If picture quality is at the top of the list then a plasma television is the only way to go. Soon there will be another television to choose from, the LED television is the new kid on the block, and it is making giant steps in the television market. The developers of LED televisions say thy will be so thin that they can be attached to the wall as if it was wallpaper. LED Televisions do cost a fortune, but they do offer a much better picture quality and resolution when they are compared to both Plasma televisions and LCD televisions.

Tags: Contents Insurance, Home Insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance | No Comments »

Prepare a wall surface to hang wallpaper

Tuesday, July 6th, 2010

When a decision has been made to re-wallpaper the walls in a home, the old wallpaper will need removing first. It is best not to paint over old wallpaper, which over time, can buckle if coat after coat is applied. As with paint, any new wallpaper will not stick as easy to old wallpaper as it would to a well prepared wall. Luckily, wallpaper that has been applied with paste and water is, as a rule, not very difficult to remove, as long as the right materials and a decent amount of time have been given up for the job. Clear any furniture from the room, if that is not feasible just move it to the centre of the room and then cover with sheets for protection. Be careful when moving furniture and check if any accidental damage will be covered on your household insurance. Place sheets over the entire floor as this can be a messy job.

Look for a seam in the wallpaper and using a knife, lift up as much of the wallpaper from the seams as is possible. Slowly remove the wallpaper while trying to avoid tearing; this is because the more wallpaper that is removed with just the knife, the less mess will be created. The wallpaper that remains should be scored using a knife or wallpaper scoring tool. Be careful using a knife as the wall may be marked or scratched; a wallpaper scoring tool will not do this because of the design. Soak a sponge or even a paint roller in some warm water and apply to any stubborn sections of the wallpaper that remains. The idea is to get the areas of wallpaper left wet enough to loosen the wallpaper glue, be careful not to soak them. Remove the wet sections of wallpaper with a paper scraper; some stubborn areas may need to be wetted a few times before they will loosen enough to be removed

The old wallpaper has been removed but there will still be paste on the walls, and by removing this before starting with the new wallpaper, the room will appreciate the extra care and attention. Removing the old paste is both easy and messy so keep a few towels nearby to help clean up at the finish. Fill a bucket with water that is hot but not boiling and add a small amount of washing up liquid. The soap that this will create will be a great help. Using a sponge, simply wash the walls making sure the water remains fairly hot. For best results, when the water goes cooler, replace with hot water and continue to wash the walls with the soapy water.

After washing the wall, empty the bucket of soapy water and then refill it with some fresh, clean water. Using a clean sponge wash the walls again, this time the job is much easier as it is only soapy water that is being removed. Use some dry cloths to dry the wall and all the old wallpaper paste will have been removed, leaving the walls perfect for the new wallpaper.

Tags: DIY, household insurance, wallpaper
Posted in Contents Insurance, DIY, Home Insurance | No Comments »

NHBC warranty a must for new builds

Thursday, July 1st, 2010

The decision to move house can be for a multitude of reasons. The starting of a family perhaps being one of the key reasons, but there are many other factors that make moving home desirable. A change in income be it positive or negative, the changing of a career, maybe a more local move to heighten the chances of getting offspring into a particular school. Trouble with neighbours or even parking problems, all contribute to the many thousands of UK residents who change their domicile each year.

Once the decision to move is taken the next vital step is where to move to and what sort of accommodation should be purchased. The choices are endless once the budget has been decided on. Cottage, apartment, semi, detached, terrace or the modern day equivalent town house. For some the matter of where to live is a decision between new and old. Choosing between a lived in home in an established area or purchasing a shiny new build where there is the chance to put one’s own “stamp” on the property from the outset.

For those plumping for the new build option it is more than a good idea to ensure that the home comes with a National House Building Council (NHBC) warranty and insurance. The NHBC has been around for over 70 years now and its work is to ensure that the purchasers of new and newly established properties are guaranteed a certain amount of protection and insurance on the construction of the new build. The NHBC’s Buildmark Warranty cover is in operation on over 1.5 million homes in the UK today.

How does it work? Well builders are encouraged to register with the NHBC (currently over 20,000 have done) and then agree to build new properties that comply with the standards and rules of the organisation. The NHBC then carry out inspections at various stages of the build to ensure the new property is compliant in all aspects of the construction.  If the property passes all the necessary inspections the builder can then apply for the Buildmark Warranty from the NHBC and present it to the new owner on purchase. The Buildmark Warranty gives the new owner protection for the first 10 years of the properties life on the specified risks covered by the warranty.

The insurance offered by the warranty is not to be confused with general household insurance so the purchaser should still look around for cheap home insurance where possible. It is also worth noting that the warranty still remains in place if the house is sold on in the ten year period.

Tags: household insurance, new builds, NHBC
Posted in Contents Insurance, Home Insurance | No Comments »

Know the value of Gold

Tuesday, June 8th, 2010

You can not have failed to notice all of the “cash for gold” adverts that have been appearing in increasing numbers over the last year. Shops of the same ilk have been opening on high streets up and down the country. Even cold callers have been knocking on doors asking to buy any old gold that you have. You can get rid of almost any gold items which you no longer want. It could be jewellery (bracelets, rings earrings and chains), watches, coins and bullion. To sell your items is very easy. First- find a gold buyer online; second - find out how much they offer. And third - when you have found one which gives you the best deal, simply request a special insured pack to send them your items. It is also worth noting that the offer made may well be nowhere near the true value of your possessions, a recent TV programme highlighted vast discrepancies on the amounts of cash offered by these companies on identical pieces of jewellery. Most people will have some sort of smelting company close by who may well offer much more if the item to be disposed of is pure gold.

These companies have not done found anything amazing like James Marshall did in January 1848 when he spotted something shining in the river which then started the California gold rush. It is no secret that gold has increased in value to record levels this last 12 months but what may come as a surprise is that many of us who do not want to “cash our gold” may be out of pocket. Almost all  insurance companies will require your valuable items over a certain amount to be re-valued every two years or three at the most and with the price of gold rising at an incredible rate in the last year, the insurance industry, is warning homeowners to review their existing household insurance policy to ensure any jewellery and other gold items are sufficiently covered. Your gold items will have increased in value but it is almost certain that the policy will not pay out to its potential value should you ever be the victim of theft, unless the prized items have been revalue over the last 6 months. Experts are also predicting a potential rise in the price of platinum and silver, with both metals fast becoming safer investments than currencies. Cheap home insurance policy holders need to contact their insurance company to ensure they are fully aware of the item increasing in value, and if necessary have the items issued with valuation certificates, which will also give them proof of ownership.

Tags: gold, Home Insurance, jewellery
Posted in Contents Insurance, gold jewellery | No Comments »

Protect Your Home From Harm – Some Simple Tips

Tuesday, April 6th, 2010

Household Insurance protects against unfortunate occurrences within the home.  It is always advisable to take out insurance as a safeguard should the worst happen.  However, even when your home is well insured, avoiding problems in the first place must always be preferable.

In fact, the majority of accidents which occur at home are entirely avoidable.  Although good insurance will be able to compensate you for damages, taking care to avoid careless actions which cause accidents is the only sure way to protect against disturbance and stress.

There are some very basic home safety tips that, if followed closely, should significantly reduce the chance of an accident occurring in your home.

House fires are one of the most common accidents in the home.  Causes range from gas being left on to leaving candles burning overnight and even to overheating hairdryers.  Care and diligence is required when using any item which could ignite a fire within your home.  House fires occur most often when homeowners have gone out or when they are asleep, having forgotten to turn off or extinguish dangerous sources of fire.  If you are concerned, there are often replacement items available which are less dangerous, for example convection stoves or safety candles.

Smoke alarms are also an excellent safeguard against house fire.  As long as they are well placed and frequently tested they can alert you to sources of fire before they cause larger problems.

Further protection against damage can be attained by preparing for fire outbreaks.  Readiness to respond to emergency can be the difference between minor problems and major damage to your home.  In practical terms, that means having a telephone available at all times, ideally a landline as well as a mobile.  Emergency services are well trained to deal with all kinds of fire, but can only help if you have the means to contact them immediately.

Primary response protection can help minimise damage as a precursor to the arrival of emergency services.  Stocking your home with adequate first aid kits, fire extinguishers and fire blankets can stop fire from spreading while the emergency services travel to your location.

Another type of accident within the home often reported are trips and falls.  Staircases are the major offender in this case.  Particular danger is caused by cluttered staircases, and those which are badly lit.  Handrails and good lighting both provide safeguards for you, your children, and any visitors.

Flooding caused by leaks or overspills represents a significant proportion of home damage.  Water sometimes seems an unlikely foe, but flooded rooms can damage carpets, flooring, electrics, furniture and more.  To protect against overflowing baths and sinks, automatic tap controls can be fitted which turn off water flow as soon as they fill up.  Even if your bath or sink has an overflow outlet, these can become overloaded.

To prevent against unseen flood sources, such as internal plumbing, always use a reputable tradesperson when building or changing piping.  If you notice anything unusual, such as changes in water pressure or unexplained noises, these should be reported quickly to avoid damage.

Damage to your home can cause annoyance, upset and at worst the loss of irreplaceable property.  Insurance will be able to offer compensation for many home accidents, but preventing damage in the first place should always be the first priority.

Posted in Advice for Tenants, Contents Insurance, Home Insurance | No Comments »

Caution For Homeowners As Garden Thefts Expected To Rise This Summer.

Tuesday, June 16th, 2009

rainvtHomeQuoteDirect would like to caution homeowners about the growing threat that they face this summer with garden theft. HomeQuoteDirect would like to ask that homeowners be vigilant this summer with securing their shed and garden items.

Garden theft is a growing problem in the UK. The threat of garden theft is highest between March and August. This summer, it is expected that 3 million Britons will fall victim to garden theft. Unfortunately, many Britons purchase tools and other garden items of value and do nothing to protect their goods from being vulnerable to garden theft.

A common misconception amongst Britons is that they don’t expect to be a victim of theft, as well as being prone to other damage such as vandalism or weathering damage. Some of the most notorious areas for garden theft in the UK are in the north of the UK.

Not all household policies cover garden loss, damage or theft. It is up to the individual to check with their broker to ensure that you have adequate cover for your garden tools, equipment and stored items. HomeQuoteDirect also provides household insurance policies that adequately cover your garden against loss, theft or damage.

Some types of theft and damage that is common include:

•    Garden stripping – whereby people (particularly rogue landscapers) steal and resell plundered assets to unsuspecting clients. Cases can be so extreme that people have returned home to find their entire garden and furnishings removed.
•    Garden property vandalism – People damaging the contents within your garden.
•    Shed contents theft – Whereby people break-in to steal valuable items. (Usually bikes or power tools.)

Common items that are targeted include:

•    Barbecues
•    Bicycles
•    Power tools
•    Garden ornaments (such as garden gnomes)
•    Lawn
•    Furniture

Some precautionary measures that homeowners can take during this summer include:
•    Installing security lighting in your garden to deter thieves.
•    Installing a sensor alarm to alert neighbours or authorities against trespassers.
•    Use a pen or engrave identification onto your valuable goods in case of theft.
•    Improve the secure latching on your shed or valuable items.

It would be ideal to take out a policy on your garden contents. Typically, garden policies will cover:
•    Theft
•    Fire
•    Storm/flood damage
•    Malicious damage
•    Accidental damage
•    Damage by wild animals
•    Branches

You can get with a from HomeQuoteDirect’s household insurance policy will usually provide you with basic garden cover, however you may need to adjust your cover to specific items that is in your garden. The basic garden policy can cover you for up to 15% of your value. Click here to get a quote on household insurance from HomeQuoteDirect.

Image credit : rainvt

Tags: Advice for Tenants, Contents Insurance, Garden, Garden Insurance, Home Insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Possessions Insurance, Student Insurance | No Comments »

Top Tips for Home Insurance

Thursday, May 28th, 2009

mkosut

Do you need to reduce your home insurance premium? Take a peek at our top tips below!

  • Shop around
    • Make sure you get a number of quotes to make sure you’re not paying more than you should be.
    • Don’t accept the first quote you get; and don’t think you have to get your home insurance from your mortgage lender – you’re not obliged to!
    • Using a site like HomeQuoteDirect enables you to shop around quickly and easily, as you get a number of quotes from different insurers and there’s only one form to fill in!
  • Only Pay for the Cover You Need
    • For buildings insurance you only need to insure your property for the cost to rebuild – not the market value. There can be a vast difference!
    • Similarly for contents insurance – only insure up to the value of your possessions and be as accurate as you can be.
  • Limit the Risk
    • If insurers perceive your home to be less of a risk, then the cost of your home insurance is likely to reduce –
      • Consider installing smoke alarms and fire extinguishers to reduce the risk of fire damage
      • Make sure your home is as secure as possible – consider by installing a NACOSS or SSAIB approved alarm system; fit deadlocks to doors etc
  • Don’t Make Unnecessary Claims
    • Think before you claim – many companies now incorporate no claims bonuses into their home insurance (just like they do for car insurance). You may find that it’s works out cheaper to pay for any repairs yourself than suffer a rise in your home insurance premium

Image credit: mkosut

Tags: Advice, Contents Insurance, Home Insurance, Insurance for Renters, Saving Money, Tips
Posted in Contents Insurance, Home Insurance | No Comments »

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