clean your guttering

Posted on 29th June 2016

Why it is important to clean your guttering regularly
 
Even though they’re “out of sight and out of mind” for the majority of the time, your gutters actually play a huge role in the structural integrity of your house, and keeping them clean is a great way to avoid the potentially costly expense of gutter repairs.
Gutters have one job: to guide rainwater off your roof and straight down the drain. Despite their importance, though, it can be all too easy to forget about them until something […]

Get rid of mould – for good

Posted on 29th June 2016

How to get rid of mould… For good!
How to get rid of mould... For good!

Mould and mildew are a nightmare for any homeowner. They’re an eye-sore, a health hazard, and can spread like wildfire.
Whether you’ve spotted a small patch of mildew in the bathroom or a larger chunk on an external wall, getting rid of it should be your first priority. The next step is to find out what’s causing it, so you stop it from happening again.
Mould is often a sign of a […]

Home Security – The season of goodwill not quite the case for all

Posted on 29th June 2016

Home security is of the utmost importance, especially over the festive period – Homeowners across the UK are given warning today that their property could easily be one of the 70,000 houses that are broken into by criminals over the festive season.
Insurance companies well versed in handing out Christmas claim forms for household insurance owners say that without doubt December is the worst month for burglaries everywhere in Britain. New research suggests that the early hours of Christmas Day is a hot spot for break-ins […]

Families missing out as homes remain empty

Posted on 29th June 2016

Families missing out as homes remain empty
Local councils and housing associations in the Black Country are missing out on huge amounts of rent because of void properties. This is despite a waiting list that totals thousands of people.
A void property is one that has recently become empty and is waiting to be re-let. Insurance companies are also missing out as these empty properties mean families will not take out cheap home insurance until they move into the house.
Dudley Council could have had an extra £352,000 […]

A mantel makes a fire light up

Posted on 29th June 2016

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 […]

Try a Green Barbecue

Posted on 29th June 2016

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 […]

Uninsurable Home Areas In The UK

Posted on 29th June 2016

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 […]

86% Of British Homes are under insured

Posted on 28th April 2016

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 […]

Blackspots VS Safespots for Burglary In The UK.

Posted on 28th April 2016

Introduction
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.

London

Hackney
Clapham
Hornsey
Croydon

Nottingham

Arnold
West Bridgeford

Leicester
Leeds

Roundhay

Bristol
Cheshire

UK Burglary Safespots
The area’s that are the least burgled in the UK are:

County Durham

Teesdale

Manchester

Broadland in Norfolk

Sheffield

Economic […]

Controversial drilling procedure may affect home insurance premiums

Posted on 3rd November 2011

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 process which involves the injection of water and chemicals […]