Protection
for every eventuality
When looking at the wealth of
buildings and contents insurance quotes online two things become
immediately apparent: that insurance providers will try to alarm you by warning
you of myriad impending catastrophes, and will also try to reassure you that
they alone hold the key to your peace of mind. You should be aware when taking
out a policy that even if a provider claims to provide cover against any
eventuality, it is rare for even the most comprehensive cover to include quite
literally any set of circumstances imaginable within the small print.
Common exceptions
Common exceptions include such
scenarios as a millennium bug style computer meltdown, leaking radioactive
matter, a terrorist attack or full-scale warfare. (Fortunately these scenarios
are only common in the sense that they are often omitted from home insurance!)
A couple of much more likely reasons for a company to refuse payout are:
-
Alterations
to a property: If you have had work done on your home since taking out your
policy, you will find that any damage to that part of the building will be
exempt from your buildings cover. Therefore if you are considering an
extension, loft conversion or even a new shed you would be wise to seek a new house
insurance quote
to include the additional material and make sure you don't get caught out.
-
Improper
locking of doors or windows: Insurance companies are exposed to fraudulent
claims all the time, and will know by liaising with police officers whether or
not your property shows any sign of forced entry after a burglary. Always
remember to properly secure any potential entrance point to your property before
leaving the house – especially for an extended period of time. Also crucial is
to make sure that you have the appropriate types of locks fitted in your home.
A final exit main door should have the British Standard recognised five lever
mortice design, with the BS seal visible on the front. If you are having new
locks fitted, remember to specifically request this level of security or
higher, and if you are living in rented accommodation it would be well worth
asking your landlord if you are at all unsure.
As long as you take care to read
through your policy and understand the terms fully, there is no reason why you
cannot enjoy significantly increased peace of mind by taking out fully
comprehensive home insurance cover. Make sure that you don't feel pressured
into taking the first option available to you, and remember that there are
organisations like the ABI (Association of British Insurers) and Financial
Ombudsman Service that can offer expert advice.
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