1. Ensure your contents are properly insured. We believe at Sharrocks that contents insurance should be one of the most accessible, versatile and affordable policies available to consumers. We regularly offer contents insurance policies for £50.00 for the year (less than £5.00 a month) covering possessions in the home from a variety of incidents, including fire, theft, storm and flood damage.
2. You are more likely to have an escape of water claim than any other type of loss so if you are leaving your property turn off your hot water and find out where your stopcock is. If you need more information regarding this check here:
3. Shop around for your insurances, use compare websites and ensure you are getting the most for your money. This is the number one way to save on insurance. Savings of hundreds of pounds can be found if you shop around when you renew your cover. Be careful though. When shopping around for insurance, it’s important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don’t have the same level of cover when you have to make a claim. Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes.
4. Keep fire and heat sources away from things in the home.
5. Check your wedding is properly insured. At Sharrock’s we suggest if you are getting ready to tie the knot that you take out comprehensive wedding insurance to protect you on or before the ceremony.
6. Check if you need Business insurance – The risks for any company not having the insurance cover in place are large and put both the livelihood of their employees and their own families at jeopardy. For any business insurance advice contact one of our friendly team on 01795 580800 or via email firstname.lastname@example.org
7. Build your no-claims discount: If you don’t claim for a few years you might get a discount, but not all companies offer this, so check before you buy.
8. Cut out the frills: Check what extras you’re paying for, and whether you need them. You could reduce the cost by going for a basic policy and cutting out, for example, accidental damage cover. This can save as much as 20% on the cost of your insurance.
9. Fit smoke alarms: Faulty electrics cause around 7,000 house fires across the country every year, so make sure you have smoke alarms throughout your property. Remember to check them regularly to make sure they’re working properly.
10. Make friends with the neighbours: Ask them to check for deliveries while you’re away, open and close the curtains, and turn your lights on and off. Avoid giving the impression that you’re away for any length of time.