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Archive for the ‘Possessions Insurance’ Category

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 »

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 »

Home Contents And Personal Possessions Insurance.

Friday, May 8th, 2009

room Students that find themselves living away from home during their times of studies often find      themselves living in student residences. These are often in student halls of residence or shared   accommodation off campus.

Living in these student dwellings usually open the first time student to the responsibilities of being independent and accepting the rewards and risks that come with being away from the family home. Unfortunately, some of those risks involve further risks against your own belongings.

Students should consider purchasing student insurance if they decide to live in a residence away from home to study. Student insurance is a type of insurance policy that will cover the cost of the goods that is owned by the student within their studying residence.

The student home contents and personal possessions insurance policy can cover the contents for a student living away from home either on or off campus. The student is responsible for their own personal belongings and to insure their items are adequately covered against theft, accidental damage and break-ins.

Insuring your belongings whilst you are away from your home can prove invaluable in the case that damage, theft or break-in occurs. Furthermore, policies may also protect the person over a short period of time whilst they are away from their student residence. (Typically over holiday season.)

The following items should be considered for protection when taking out student insurance.

1.    Consumer electronics
2.    Money
3.    Jewelery
4.    Personal Documents

The common items tht are often of high value and should be considered for taking out a policy include:

Electronic goods
– these usually hold a high value, making them an ideal theft target. By insuring the electronic goods, you will have a degree of protection for replacing those goods if they are subject to theft, damage or break-ins.

Desktops and Laptop computers
Computers are a popular target for thieves. Laptops are a high value target for theft in a university residence, as they are often valuable and the replacement cost is usually expensive.

Mobile Phones
Mobile phones are also another popular item that is subject to theft in student residences due to their value.
MP3/4 players
Portable players are also another popular item which is usually subject to theft or loss.

Money
If there is money that is within the residence, most policies will cover this up to a certain amount.

Jewelery
Jewelery is typically a popular theft item due to its high value. You should insure valuable items and specify them in your policy.

Personal documents.
Loss of documents such as passports and bank statements can prove costly if lost or stolen. Identity theft is on the increase and the insurance policy can also cover you against this type of theft.

Students can take advantage of the student insurance provided by HomeQuoteDirect to start protecting their belongings when living away from home. Click student insurance to find a policy the right policy for your student residential needs.

Image credit ndawg

Tags: Contents Insurance, Home Insurance, Insurance for Renters, Possessions Insurance, students insurance
Posted in Contents Insurance, Home Insurance, Possessions Insurance, Student Insurance | No Comments »

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