Travel insurance- just give us a call!

Travel insurance, we just can't wait...

We have been working on a new Travel product for a while now, its ready and waiting in the wings we just need to get it online, it should go live in the next month. We like to get these things right before we put them live on the web. 

Don't delay, get a travel quote over the phone!

This does mean however that we can take as many enquiries as our UK call centre can manage, plus you'll benefit from two other products that we wont be putting online yet. So we just had to let you know!

You can reach us on 0845 355 1150,  Mon- Fri 9-5! 

In these recessionary times, a bit of 'old school' personal service can be so very refreshing- you know, speaking to a friendly person that is there to help and can give you a choice. We just want to find a good travel insurance deal for you. 

Let us email you a quote?

Call our UK support staff and request a travel quote now, you could have some different options emailed to you rapidly, without the hassle of loading up lots of other websites and keying in the same details. 

We'll run a quick "fact find" to ensure we know exactly what you need for your trip and get cracking on finding you the best policy. Its like comparing the market, except its done by a real person that you had a chance to chat to first!

So, for your Single Trip or Annual Travel insurance policy, why not join us for better choice and personal service this year? 

Everyone loves a bit of personal service, for those webbies out there; I promise it will be online before you know it!

p.s. Don't forget to "always read the wording", its pretty much the number one rule of insurance and i can't get enough of harping on about it!

James*

Branding & Marketing

The reason you turn that deadlock.

Having had the recent  misfortune of having a Sat Nav item stolen from my car, i was then more than fortunate to get a call from the local Metropolitan police. They had recovered it, almost instantaneously and it is now in my possession "safely" once more. 

It was a typical case of passenger side door on my car not being shut properly. This meant that the car i thought was locked, sat for 4 days, fully open to opportunists!

However, this time, it wasn't to be and the thin blue line held firm. I have nothing but praise for our police in London, each time i require their assistance or protection, they deliver the goods. 

A very friendly DC brought my property around to my house and we had a ten minute chat whilst i completed the statement form. 

The officer in question was immensely insightful, he reminded me that most crimes are committed by the same few individuals, which is comforting because it means that they are concentrating their resources on preventing those perpetrators from repeat offending. 

Most enlightening however was the little gems of information he passed on about burglary practice and the use of a deadlock. It just naturally came up in conversation whilst we chatted about crime in the area and his daily tribulations. 

Criminals can open doors with a piece of card!

Apparently, if you do not put your deadlock on, a relatively seasoned criminal is able to slip your Yale/Chubb lock with nothing more than a piece of broken plastic bottle or thick card! Swishing the lock open to enter and if it is the only line of defense, leaving your property exposed to theft. Alarming to say the least (he showed me the technique and it was ridiculously simple). 

He continued to tell me that criminals look for the simplest option, they wont waste time on a harder target, so if your deadlock is on, there is a strong chance that route of entry will never be employed. One less thing to worry about. 

Why is this relevant to you and your home insurance?

You may wonder why insurers often ask for assurances and warranties that you have more than one lock and that they are both used. This story explains the reason why. It isn't awkwardness, it is stark reality and expert knowledge. 

This knowledge should be passed on, its useful and it arms us against those that would seek to take our possessions. Except on this occasion it wasn't for the benefit of an insurance contract, this was advice, straight from the front line on the street. Practical, forthright and obviously correct. 

We all forget or have mishaps sometimes, but I will with 100% certainty put my deadlock on each time i leave my flat, because after all, it is for my benefit and its the clever option. 

Hope this helps a little and brings a little more positive vibes the way of the boys in blue, they really are doing a great job. 

James* 

Branding & Marketing 

Make cancelling your home insurance the last resort

Today, we see news from the Association of British Insurers that throughout the UK, up to 1 in 4 - yes 25% - of people are cancelling their home insurance. Well, we would like to help insurance shoppers see that this may not be the right answer.

Money is tight, but perils aren’t affected by the news.

In reality, accidents, floods, burglaries and fires are things we can mitigate but not completely prevent. Unless you have undertaken a risk management programme at home, has the situation changed? Indeed statistics show that in a time of recession, burglaries increase for obvious reasons.

None of these causes for a potential claim give one jot about the recession. They are not reduced because our bank balances are being squeezed, so it might be wise to consider whether you could afford any one of them occurring without any insurance cover.

Cover should be right, not absent

Perhaps you felt you were paying too much for your policy? If this is the case, there are lots of things you can do to reduce the cover but ensure you are insured for the “worst case scenario”. That would be the equivalent of a home fire or a flood causing catastrophic damage to your house and contents.  Likewise the average claim following a burst pipe is £25,000.

Here are a few options that might help your premium down:

•    Do you really need to cover accidental damage?
  
•    Increasing your excess, reduces your premium
  
•   Check to see if you have garden coverage, only include this if its absolutely  necessary
  
•  Make sure you have insured the correct value of your contents 

    

Naturally, you don’t over-insure (you will only get what an item is worth in the event of a claim) but likewise, make sure the cover is sufficient for all your contents (under-insuring is a false economy as it will result in any claim being reduced)

What we do:

All of these tips can help save you money, as part of our product set, we built a value home insurance product for exactly this eventuality- why not take a look? Get an immediate quote online at www.insurance4everyone.co.uk.

In addition we offer a price beater pledge and a price freeze guarantee at next renewal (* terms and conditions apply – see our web site for details).

Consider increasing your cover

You purchased home insurance for a reason, perhaps re visit that reasoning. Make sure you are investing in the right cover.

Consider the following points:

• Do you feel appreciated by your insurer?
  
• Have the claims or customer service experiences matched your   expectation?
  
• Did you have the right cover in the first place?
  
• How flexible was your insurer able to be?
  
• Stick with insurers who promise not to raise their premiums next year (like us!)
  

 

Insurance is a hedge and an investment, its peace of mind

Make no mistake, insurance is not as tangible as the food we need or the clothes we buy for the kids, but it provides an invaluable peace of mind. It is a hedge you place to protect you against the unknown and the financial downside of life.

In uncertain economic times, insurance gives you one less thing to worry about. Look after your worst case scenarios and treat the purchase of Home insurance as a long term investment, not an unnecessary cost.

If you don’t claim from it, you should consider yourself fortunate as this means you have avoided some headaches and heartaches. Now is the time to be shrewd and think laterally.

Be careful if you have a mortgage, the mortgage lender normally stipulates buildings insurance is required, you wouldn’t want to inadvertently cause more problems by trying to save a couple of hundred pounds. After all, if mortgage lenders ask for a form of Home insurance, there must be a reason?

We know times are tough, but hang in there insurance shoppers, Home insurance is your ally and there to protect you from uncertainty.

Make sure you ask questions of your insurer, feel free to pick up the phone to us and ask our staff for a few options. Cancelling should really be the last thing you consider doing.

 

Thanks,

James*

Marketing & Branding Team