As a child I remember the family huddled around the fireplace on a cold night, and if it got really cold, my father would even light the fire. For thousands of years the fireplace has been an important part of the house. Early versions of a fireplace would see it located in the centre of a room, but as time moved on, so did the fireplace, to where we find it today, up against a wall. With central heating now warming homes, the fireplace is […]
We have just had the hottest weekend of the year and up and down the country barbecues will have been taken from sheds and garages, dusted down and prepared for cooking all kinds of meat. Barbecues have moved on in recent years and you can pay a lot of money for a top of the range one. With this in mind, ensure your household insurance covers theft from the garden, as you are outside more at this time of year. It is also easy to […]
How do you know if you are uninsurable?
uninsurable risk – noun
a situation that you cannot protect yourself against by buying insurance because it is impossible to calculate how likely it is to happen, or how much damage it will cause:
In many cases catastrophes, such as earthquakes, have become uninsurable risks.
a situation for which an insurance company will not provide insurance, because, for example, it is certain to happen:
A person suffering from a terminal illness is considered to be an uninsurable risk.
Generally, you are able to get […]
A leading insurance provider has revealed that the vast majority of British home owners are running the risk of their property being under insured. They should choose a policy provides cover for the full reinstatement value, said the insurer.
It is argued that property owners should obtain a professional valuation for insurance purposes. Any valuation provided by a bank or estate agency is unlikely to give a fair reflection of the cost of rebuilding a home.
Mike Colmans, a leading insurance expert, said, ‘having accurate sums insured […]
In the UK, there are some blackspots that are notorious for thefts and break in’s.
As a rule of thumb, you will often find that the crime rate depends on the density of the area. You will find that in rural areas, the crime rate is typically lower than you will find in higher density city areas.
UK’s Burglary Blackspots
Below are the most notorious areas for household theft and burglary.
UK Burglary Safespots
The area’s that are the least burgled in the UK are:
Broadland in Norfolk
Homeowners in the North West of England may find themselves paying higher home insurance premiums in the future as scientists working for a drilling company admitted that that their gas exploration activities probably caused the two minor earthquakes that hit the region earlier this year.
Geological risks associated with fracking
Workers for the Cuadrilla Resources Company have stopped their controversial method of extracting resources from the ground, known as fracking, until more tests have been carried out. The […]
In what should prove to be great news for homeowners across the UK, British Telecom (BT) has announced that it plans to bring forward the date when the majority of homes in the country have access to super fast broadband.
Online shopping experience will improve
The plan to bring forward access to fast broadband will help households across the country in many ways, not least for those looking to save money and time. Super fast broadband […]
With the cost of solar panels dropping by almost 60% in the last three years, sustainable energy in the guise of solar photovoltaic panels are now becoming an affordable option for homeowners and householders in the UK.
Buying an option for the comfortably well off
There are two distinct ways properties can benefit from solar heating. The first option is to pay for the system yourself and benefit from the Feed in Tariff (FIT) set by […]
The value of a good home insurance policy has once again been demonstrated over the last 24 hours as flash flooding and torrential rain have blighted many areas of the UK and Ireland.
More to come
Homeowners have found that their household premiums of just a few pounds a week will have saved them thousands of pounds after floodwaters entered their homes. It would seem that others in the east of the country, who don’t have […]
As the UK prepares for winter, experts are warning that extreme cold spells will push up the already worrying numbers of Britons dying from the cold weather.
With the nation in the grip of economic downturn the last thing the country needs is a bad winter to rival the last two. Homeowners are already struggling to pay for items such as household insurance, luxury food items and non essential motoring. If heating requirements shoot up […]