Call Our Experts Today: 0800 48 44 33
Home About Us Contact Us Affiliates Terms &
Conditions
 
This text is replaced by the Flash movie.
Blog Home Page | About Blog

Archive for the ‘Saving Money’ Category

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | 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 »

Beware the rogue builder

Monday, July 19th, 2010

Finding out that a rogue builder has been hired for a job in the home is a terrible feeling. Months of planning and putting away hard earned cash in readiness for the realisation of a dream, decimated by the actions of a conman.

Thousands of people fall victim to rogue builders every year, they are not just the scourge of households but of the construction industry as well. It is true that they only make up a small minority of those working in the building trade, but that is of no comfort to anyone who falls victim to them. Television shows abound with stories of rogue builders, and not just in the United Kingdom, television shows made in the USA and Canada show the problem is worldwide.

Whatever the job it pays to know how to spot and avoid the nightmare a bad tradesman can bring about. Large building alterations usually mean a large investment, and the dream of a brand new extension or a loft conversion can very quickly turn into a bad dream if a quality contractor to carry out the work is not chosen. Remember this as well, no job is too small for the rogue builder! Even removing a radiator can cause massive problems and if everything that could go wrong, does go wrong, the heating could be down for days, not to mention flooding, which could lead to a claim on the household insurance.

What is the best answer to the question how can I avoid employing poor tradesmen? Spend as much time and energy on finding a tradesman as you can and do not just plump for the first one.  Make sure you get at least three quotes, if there is a big discrepancy in them then ask yourself why before you commit to anything.

The house is probably the most expensive item a person will own and so a trustworthy builder should be top of the list when looking for home improvements. Every builder will tell you the best way to get work is through “word of mouth”. This can also apply to the customer and in this era of information at the click of a mouse there are quite a few websites that list both the builder and a rating from the householder.

A good builder will not knock on the front door and say they are working in the area and have a lorry load of tarmac. If they do, be polite and thank them and ask for a business card with contact details. Good trade’s people are always busy so if a builder says he can start tomorrow the chances are that he has got no other work to do.

A rogue builder will probably only have a mobile phone to be contacted on, and no land line number could be the first sign to set alarm bells ringing. Good tradesmen may work from home but they will not be scared to give their number and address out to potential customers. Rogue builders may suggest that paying them in cash will cut the bill. Yes it will, but it also means that there is no proof that they ever did the job. Always insist on a receipt issued on company headed paper.

Tags: Home Insurance, household insurance, Rogue builders, Saving Money
Posted in DIY, Home Insurance, Saving Money | No Comments »

Top Tips to Save Money on Your Home Insurance

Tuesday, April 21st, 2009

piggy-banks

Ultimately, when purchasing home insurance, the price you pay will depend on your circumstances (i.e. where your property is situated, your claims history) and the amount of cover you need. It’s also really important that you do not compromise on your home insurance cover just to get a cheaper premium - if the worst happens, you don’t want to find that you’re not covered.

That said, there are a number of ways to save money on your home insurance premium, and within this post we’ll take a look at some of these:

All home insurers provide quotes based on the ‘risk’. Essentially this means they evaluate the likelihood of you making a claim. You can therefore reduce your home insurance premiums by presenting yourself to the insurer as lower risk - examples of how to do this are detailed below:

  1. Reduce the risk of burglary - increased security measures reduce your risk of burglary, and insurers will respond by reducing the cost of your premium, examples include: fitting a burglar alarm, installing high security locks, lighting and so on.
  2. Reduce the risk of fire - fit and maintain smoke alarms.
  3. Increase your policy excess - your excess is the amount that you are willing pay in the event of a claim. If you increase your excess your home insurance premium will be reduced accordingly.
  4. Don’t claim unless you really have to -  as with car insurance, many home insurance providers are now also offering no claims discounts for ‘careful’ policy holders (i.e. those who do not make claims). Now clearly there are circumstances under which you may have no choice other than to claim, however we would recommend that you consider the potential increase in premiums prior to claiming; and weigh up the pros and cons. Ultimately, you may find that it’s cheaper to pay for small repairs yourself, rather than claiming on your insurance.

Pay only for the Insurance Cover you need…

This may sounds obvious, but make sure that you are only paying for the cover you need. For example, if your are renting a property, you will only need to pay for contents insurance, as your landlord will be responsible for ensuring that the building is covered.

Similarly, if you live in a block of flats or other dwelling where you do not own the entire building, again you may find that the buildings insurance is covered within any service charges which you pay.

Finally, even if you do own the whole building, your buildings insurance policy should only cover you for the potential re-build cost; not the total market value of your property.

 

Shop around for the best deal…

Make sure you shop around. Many people make the mistake of simply renewing their home insurance with their existing provider without checking out the other deals which are available on the market.

It’s really important to shop around to make sure you get the very best deal on your home insurance. Ideally, you should get a variety of quotes. HomeQuoteDirect is an independent broker, and as such will search their panel of insurers in order to get the very best deal for you. Click here to get a great deal on your home insurance.

 

Image credit voobie

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

  • Pages

    • About
  • Recent Posts

    • A cast iron certainty to improve a bathroom
    • Protect the PC the way you would a house
    • A tasty way to start saving the planet
    • Beware the rogue builder
    • Make room for DVD’s
  • Categories

    • Advice for Tenants
    • books and reading
    • Contents Insurance
    • DIY
    • Garden
    • gold jewellery
    • Home Insurance
    • Home Security
    • Possessions Insurance
    • Saving Money
    • Student Insurance
    • Uncategorized
    • working from home
  • Archives

    • July 2010
    • June 2010
    • May 2010
    • April 2010
    • June 2009
    • May 2009
    • April 2009
  • Meta

    • Log in
    • Entries RSS
    • Comments RSS
    • WordPress.org
  • Blogroll

    • Development Blog
    • Documentation
    • Plugins
    • Suggest Ideas
    • Support Forum
    • Themes
    • WordPress Planet
  • HomeQuoteDirect Products

    • Home insurance
    • Students insurance

Home Quote Direct - Home Insurance Blog is Designed and Hosted by Gravytrain Limited