COLIN BAILEY
ARTIST & PRINTMAKER
Etchings and Giclee prints
of Rye, Hastings and the
East Sussex Coast
of Rye, Hastings and the
East Sussex Coast
Artist suppliers: paint, brushes, canvas, stretchers, paper and printmaking materials
ETCHINGS:
GICLEE:
GICLEE:
Don’t get burned by cheap home insurance
For a long time the insurance business relied heavily on cold calling, with armies of salesmen travelling the country, knocking on doors, and using hackneyed sales techniques straight out of a self-
Nowadays you can get hundreds of quotes based on just one of your applications at the click of a button, cunningly laid out in price order for you by an insurance price comparison website. This has had the effect of triggering a price war between rival insurers, and in order to lower prices on their standard insurance plans, corners have had to be cut with regard to the eventualities that a standard home insurance plan will now cover you for. What this means for you is that if you happen to damage or lose an asset in a way that is not covered by your insurance policy, you could end up without much less compensation than you had anticipated, or worse, none at all, and still have to foot the bill for the insurance.
Most reputable firms (Kwik Fit Insurance, for instance – see their site for a quote on home insurance), will replace items on a new for old basis as standard on their home insurance policies, replacing anything that has been burned, flooded, or stolen with a brand new item of equivalent status and specification. However, many of the cheapest insurance policies available are only willing to refund items at their resale value, with new for old as a cost option, so it pays to read the fine print before clicking ‘confirm’.
Most reputable firms (Kwik Fit Insurance, for instance – see their site for a quote on home insurance), will replace items on a new for old basis as standard on their home insurance policies, replacing anything that has been burned, flooded, or stolen with a brand new item of equivalent status and specification. However, many of the cheapest insurance policies available are only willing to refund items at their resale value, with new for old as a cost option, so it pays to read the fine print before clicking ‘confirm’.
However many things which people might think would come as standard with a home insurance policy are, in fact, cost options on most standard policies. For instance many people believe that their possessions are automatically insured when they are out of the house, but this is in fact very rarely the case. Accidental damage is also almost always a cost option, so again, make sure that you are aware of the terms of any particular policy before you commit.
FEATURED ARTICLE
Don’t get burned by cheap home insurance
Don’t get burned by cheap home insurance
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