EmberJD

Solar Panels Insurance

emberjd@tldallas.com — Wed, 18 Jan 2012 16:43:49 +0000

The Installation of solar panels, as a environmently friendly way to generate power for the home and save money on energy bills is steadily on the increase. Despite the rise of homes with solar panels there still seems to be a bit of confusion as to whether solar panels are included under buildings insurance. Generally there’s no mention of solar panels under insurers’ policy wordings, leading to doubt. Ember JD, a specialist home insurance broker since 1970, now offers cover from 1 February 2012 with solar panels included within the definition of buildings, so the cover applying to the buildings also applies to solar panels. If damage or loss occurs, such as fire, storm, lightning and even theft, then the solar panels will be included. Good news, as solar panels are fixed externally to the home, so are exposed to the elements.

If you are looking for a quality home buildings insurance, which definitely includes solar panels within the cover, we would be pleased to hear from you. Please use our website to request a quote, or call Steve Hayton or david Nash on 020 8941 2204 during office hours.

House contents calculator

emberjd@tldallas.com — Wed, 12 Oct 2011 09:36:01 +0000

Working out how much to insure your home contents for doesn’t have to be a daunting task. With a little assistance from our House Contents Calculator, the job can be done in the matter of minutes. It is important to make sure you are adequately insured – too little and you could be under-insured, too much and you end up paying more than you need to. Policies giving a flat sum insured of £35,000 or £50,000 aren’t always the answer, as if you have a modest amount of contents this option could be expensive. At the other end of the scale, the sum insured limit might not be enough. You should also check the total valuables limit and the single article limit, found in the small print, so see if the policy is suitable. When it comes to making decisions on the purchase of a policy, guidance from an Insurance Broker, who can recommend the policy suitable for you, is the best option.

Nearly all contents insurances give a ‘New for Old’ claims settlement, so to make the arrangement a fair one you should insure for new current replacement value. The only exceptions are clothing and linen, which generally have a short life span, so you should make a deduction for wear and tear and depreciation.

Please feel free to use our Home Contents Calculator, by clicking on the link below. We would be pleased to hear from you, as we can give competitive quotes for standard and non-standard home insurances.

House Contents Calculator

Reducing the cost of home insurance

emberjd@tldallas.com — Tue, 04 Oct 2011 11:12:38 +0000

Whenever possible we all like to reduce costs and make savings, so here’s a few handy tips to potentially save money on the cost of Home Insurance.

Think about including a voluntary excess, which comes with a discount. Take into consideration that the voluntary excess will be in addition to the compulsory excess, so be aware of the total excess.

Ensure that your sums insured are adequate for current full reinstatement on Buildings and the cost of new replacement on Contents, but don’t over insure, as most insurers charge a rate per thousand or part.

Consider installing an insurance approved alarm, which to qualify for a discount is likely to be an installed and maintained alarm by a National Security Inspectorate (NSI) member. Before proceeding you should weigh up the cost of installation and maintenance, against the potential insurance discount.

Check to see if your home is within an active Neighbourhood Watch area. Insurers often give a discount, especially off Contents Insurance premiums.

Pay in full, rather than opting for instalments, as there is usually a charge for monthly payments.

Try not to make any unnecessary claims, in particular when the settlement is on the low side. In addition to an excess being deducted, the premium is likely to rise at the next renewal date as a result of the claim. Home insurances usually have a no claims discount, or a loading is applied when a claim is made.

Last but most certainly not least contact an Insurance Broker, preferably us, for a competitive quote. We deal with quality insurers who only deal with select supporting brokers, so you won’t be able to obtain the same quote direct or via a price comparison site.

Contents insurance for homes with past subsidence

emberjd@tldallas.com — Wed, 21 Sep 2011 11:38:51 +0000

Obtaining cover for Contents Insurance for homes with past subsidence history can be difficult, despite claims for subsidence damage being a matter for the buildings insurers. Try using an insurers’ website or a price comparison site and it is likely you will get nowhere once you disclose the past subsidence. Call centres are no better, so where do you go for common sense thinking and a decent price? As a specialist Insurance Broker we use our expertise to find a solution, at of course the right premium. If you live in a flat or in a situation where it is best to keep the buildings with the current insurer, but wish to compare the price of having separate contents insurance, we are here to help.

Our Contents Insurance policy comes with a wide range of cover as standard, including spoilt freezer contents, loss of home keys and family legal expenses. Other optional covers can be added for extra premium, such as full accidental damage, cover for personal possessions away from home for jewellery, laptops, mobile phones, personal money and cycles. You can choose the cover that suits your requirements.

To obtain a competitive quote please click on the QUOTE LINK, submit your details and we will come back to you, or call Steve Hayton or David Nash on 020 8941 2204 during office hours.

Introductory discounts

emberjd@tldallas.com — Sat, 17 Sep 2011 12:03:18 +0000

Some insurance providers seem fixated on promoting new business introductory discounts and offers, exclusively for new customers. Fine, as each business needs a constant flow of new customers to stand still, let alone grow, but what happens at renewal when the premium increases substantially? Presumably a fair number of those new customers they’ve worked so hard to attract and no doubt spent a fair bit of money on advertising too, go elsewhere. A significant rise in costs is no incentive to stay with the same provider.

We at Ember JD Insurance Brokers feel that one off introductory discounts are short sighted, as we wish to keep our clients for the long term, by giving competitive premiums each and every year. For both valued new and existing clients. We also feel that constantly plugging short term offers solely for new customers is in some ways disrespectful to the loyal clients who already support us with their business.

Rest assured that we will work hard to find the right policy at a good price at new business and ensure that the premium we offer at renewal is equally competitive. No quick fix here, seeing clients come and go.

We specialise in non-standard Home Insurance and are able to offer quality cover at low prices for hard to place risks, as well as standard household insurance. For details of the types of insurances we offer please visit our What We Insure page, or call Steve Hayton or David Nash during office hours, 9pm to 5pm Monday to Friday.

Finally we also add that we don’t offer cuddly toys with a new insurance policy, just competitive premiums at new business and renewal.

Let Insurance

admin — Wed, 27 Apr 2011 11:16:47 +0000

Fill in the form below for a quotation

Please click on each tab below and carefully answer all the questions in each section before submitting

General
Proposer
Joint Proposer
Contact
The Property
Buildings
Contents
Security
Final Details
Submit for quote

General details

Renewal date / Cover date?	* A value is required.Looks too short for a date – e.g. 30/01/2009Looks too long for a date e.g. 30/01/2009
Renewal premium?
Where did you hear about us?	* We need to know this.We need a little bit more than that”That’s slightly too much text

Questions marked with a * are mandatory

Please enter details about the main proposer

Title?
‘Other’ my title is?
First name?	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Surname?	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Date of Birth?
Occupation?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Nature of employers business?

Questions marked with a * are mandatory

Please enter details about the joint proposer (if applicable)

Title?
‘Other’ my title is?
First name?
Surname?
Date of Birth?
Occupation?
Nature of employers business?

Please indicate how we may contact you

Preferred method of contact?
Contact telephone number?	*A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Email address?	*A value is required.Invalid format.

Questions marked with a * are mandatory

Please enter details about the property to be insured

Type of tenants?
House name / number?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Postcode?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Approxinmate year property built?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Year property was purchased?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Construction of the property?		*
Is the roof tiled or flat (the roof can be a mixture tiled and flat)?
If any of the roof is flat please advise us of the approximate percentage?
Is the property?
What type of property?
If the property is a flat or maisonette, what floor is it on?
How many bedrooms?	*A value is required.

Questions marked with a * are mandatory

Only answer the following questions if buildings cover is required

Rebuild value of the property?
Do you require accidental damage cover for buildings?

Questions marked with a * are mandatory

Only answer the following questions if contents cover is required

Contents sum insured?
Do you require accidental damage cover for contents?

Questions marked with a * are mandatory

Please answer the questions regarding security at the property

Are all external doors fitted with five lever mortice deadlocks or UPVC / aluminium doors fitted with a multi point locking system?		*
Are all accessible windows fitted with key locks?		*
Is there an alarm fitted to the property?
If yes, please state what type, eg audible, central station, Redcare

Questions marked with a * are mandatory

Has the proposer(s):

Any unspent criminal conviction(s) or pending prosecution(s)?		*
Ever been declared bankrupt/insolvent or the subject of bankruptcy proceedings?		*
Ever had a proposal declined, had a policy cancelled by an insurer, renewal refused or had special terms imposed?		*
Is the property located within 400 metres of a watercourse or previously been flooded?		*
Is the property currently undergoing structural renovation or is any structural work (excluding interior decorating) planned during the policy term?		*
Has the property ever been damaged by subsidence or ground heave, monitored for subsidence, showing any visable signs of cracking or been underpinned?		*
Are there any trees over 10 metres tall within 10 metres of your property?		*
Have you made any claims against a buildings or contents insurance policy for this or any other property or has there been any incidents of damage or loss, within the past 5 years?		*
If you have answered ‘Yes’ to any of these questions, please give details, including dates, circumstances and if claim(s) the settlement amount(s).

Questions marked with a * are mandatory

Please check your form over and submit it to us

Please check all of the details. Once you are happy with the information provided, please click the submit button.

We will be in contact as soon as we have obtained a quotation. Thank you.

If you remain on this page, after pressing submit, please re-check the form for missing details (it will be highlighted)

Flats Insurance

admin — Wed, 11 Nov 2009 20:25:16 +0000

Fill in the form below for a quotation

Please click on each tab below and carefully answer all the questions in each section before submitting.

General
Proposer
Contact
The Property
Cover
Final Details
Submit for Quote

General details

Renewal date / Cover date?	* A value is required.Looks too short for a date – e.g. 30/01/2009Looks too long for a date e.g. 30/01/2009
Renewal premium?
Where did you hear about us?	* We need to know this.We need a little bit more than that”That’s slightly too much text

Questions marked with a * are mandatory

Please enter details about the main proposer

Title?
‘Other’ my title is?
First name?	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Surname?	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Date of Birth?
Occupation?	* A value is required.Minimum number of characters not met.*Exceeded maximum number of characters.
Is the proposer?	Please select a valid item.	*
If the policy is to be in the name of a company/residents association, please state the name of the company/residents association:

Questions marked with a * are mandatory

Please indicate how we may contact you

Preferred method of contact?
Contact telephone number?	A value is required.Minimum number of characters not met.Exceeded maximum number of characters.*
Email address?	A value is required.Invalid format.*

Questions marked with a * are mandatory

Please enter details all about the property to be insured

Are the flats or maisonettes?
Property name / number?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Postcode?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Year of conversion (if applicable)?
Approximate year property built?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Year property was purchased?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Construction of the property?		*
Number of flats or maisonettes?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Number of storeys?	* A value is required.
Is the floor?
Are the stairs?
Is the roof tiled or flat? (the roof can be a mixture of tiled and flat)
If any of the roof is flat please advise us of the approximate percentage?
Is the property?
If any of the flats or maisonettes are unoccupied, please state how many?
Are the flats or maisonettes?
If any of the flats or maisonettes are let, how many are currently let out:
If any of the flats or maisonettes are let, please state the type of tenants occupying the flat(s), ie working professionals/retired, DSS claimants, students or asylum seekers:

Questions marked with a * are mandatory

Please enter details about buildings cover

Rebuild value of the property?	A value is required.* Minimum number of characters not met.Exceeded maximum number of characters.
Do you require accidental damage cover for the buildings?	Please select a valid item.	*

Questions marked with a * are mandatory

Has the proposer, or anybody living at the insured address:

Any convictions or criminal offences or pending prosecutions?		*
Ever been declared bankrupt/insolvent or the subject of bankruptcy proceedings?		*
Ever had a proposal declined, had a policy cancelled by an insurer, renewal refused or had special terms imposed?		*
Is the property located within 400 metres of any watercourse or previously been flooded?		*
Is the property currently undergoing structural renovation or is any structural work (excluding interior decorating) planned during the policy term?		*
Has the property ever been damaged by subsidence or ground heave, monitored for subsidence, showing any visible signs of cracking or been underpinned?		*
Have you made any claims against the buildings or contents insurance for this or any other property or has there been any incidents of damage or loss, within the past five years?		*
If you have answered ‘Yes’ to any of these questions, please give details, including dates, circumstances and if a claim(s), the settlement amount(s).

Questions marked with a * are mandatory

Please check your form over and submit it to us

Please check all of the details. Once you are happy with the information provided, please click the submit button.

We will be in contact as soon as we have obtained a quotation. Thank you.

If you remain on this page, after pressing submit, please re-check the form for missing details (it will be highlighted)

Insurance products

admin — Wed, 11 Nov 2009 17:44:23 +0000

Flats insurance

Purpose built and conversion properties
Leaseholder occupied and tenanted

Liability insurance

Employer’s Liability
Public Liability
Building and allied trades, and small businesses

Landlords insurance

Buildings
Contents
Liabilities
Landlord’s Legal Expenses
Let to working tenants, DSS claimants and students
Multi property policies available

Shareholders insurance

Group policy covering all the sharers or individual policies if required

Buildings and contents insurance

All types of risks catered for from standard policies to high sums insured, holiday homes, Bed and Breakfast, and unusual requirements. Policies tailor-made to suit your requirements.

Commercial insurances

Shops, offices, commercial properties and tailor-made combined policies. Please call us for a competitive computerised quotation.

Unoccupied buildings insurance

Policies specifically designed to cover empty properties, even if vacant long term.

Specialist non-standard household insurance

Previous criminal convictions
Foster Carers
Flood risk areas
Unusual Home Insurance requirements

Specialist Home Insurance

admin — Mon, 09 Nov 2009 18:10:59 +0000

Fill in the form below for a quotation

Please click on each tab below and carefully answer all the questions in each section before submitting

General
Proposer
Joint Proposer
Contact
The Property
Buildings
Contents
Security
Final Details
Submit for Quote

General details

Renewal date / Cover date?	* A value is required.Looks too short for a date - e.g. 30/01/2009Looks too long for a date e.g. 30/01/2009
Renewal premium?
Where did you hear about us?	* We need to know this.We need a little bit more than that"That's slightly too much text

Questions marked with a * are mandatory

Please enter details about the main proposer

Title?
'Other' my title is?
First name?	* We need to know this detail.Your name is longer than this!That's too long for a name!
Surname?	* We need to know this detail.Your name is longer than this!That's too long for a name!
Date of Birth?
Occupation? (please give more details than self-employed, manager or director)	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Nature of your employer's business?

Questions marked with a * are mandatory

Please enter details about the joint proposer (if applicable)

Title?
'Other' my title is?
First name?
Surname?
Date of Birth?
Occupation? (please give more details than self-employed, manager or director)
Nature of your employer's business?

Please indicate how we may contact you

Preferred method of contact?
Contact telephone number?	*A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Email address?	*A value is required.Invalid format.

Questions marked with a * are mandatory

Please enter details about the property to be insured

House name / number?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Postcode?	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Approximate year property built?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Year property was purchased?	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Construction of the property?		*
Construction of the roof?
If any of the roof is flat please advise us of the approximate percentage?
Is the property?
What type of property?
If the property is a flat or maisonette, what floor is it on?
How many bedrooms?	*A value is required.
Is the property a listed building?
Do you share your home with lodgers?

Questions marked with a * are mandatory

Only answer the following questions if buildings cover is required

Rebuild value of the property?
Do you require accidental damage cover for buildings?

Questions marked with a * are mandatory

Only answer the following questions if contents cover is required

Contents sum insured?
Do you require accidental damage cover for contents?
If you have any valuables inside your home, such as pictures, works of art, televisions or computers worth individually over £1,500, please list with sums insured here:
Do you require 'Personal Possessions' cover for items taken away from the home?
If yes, please specify the amount of 'Unspecified Personal Possessions' taken away from the home:
If you require cover for any individual specified item(s) taken away from the home, including pedal cycles or money, please list with sums insured here:

Questions marked with a * are mandatory

Please answer the questions regarding security at the property

Are all external doors fitted with five lever mortice deadlocks or UPVC / aluminium doors fitted with a multi point locking system?		*
Are all accessible windows fitted with key locks?		*
Is there a burglar alarm fitted at the property?
If yes, please state what type, eg audible, central station, Redcare:

Questions marked with a * are mandatory

Has the proposer(s), or anyone living at the insured address:

Any unspent criminal conviction(s) or pending prosecution(s)?		*
Ever been declared bankrupt/insolvent or the subject of bankruptcy proceedings?		*
Ever had an insurance proposal declined, had a policy cancelled by an insurer, renewal refused or had special terms imposed?		*
Is the property located within 400 metres of a watercourse or previously been flooded?		*
Is the property currently undergoing structural renovation or is any structural work (excluding interior decorating) planned during the policy term?		*
Has the property ever been damaged by subsidence or ground heave, monitored for subsidence, showing any visible signs of cracking or been underpinned?		*
Are there any trees over 10 metres tall within 10 metres of the property?		*
Have you made any claims against a home insurance policy for this or any other property or has there been any incidents of damage or loss, within the past 5 years?		*
If you have answered 'Yes' to any of these questions, please give details, including dates, circumstances and if claim(s) the settlement amount(s).

Questions marked with a * are mandatory

Please check your form over and submit it to us

Please check all of the details. Once you are happy with the information provided, please click the submit button.

We will be in contact as soon as we have obtained a quotation. Thank you.

If you remain on this page, after pressing submit, please re-check the form for missing details (it will be highlighted)

Home insurance for ex-offenders

admin — Mon, 09 Nov 2009 12:14:40 +0000

Fill in the form below for a quotation

Please click on each tab below and carefully answer all the questions in each section before submitting.

General
Proposer
Joint Proposer
Contact
The Property
Buildings
Contents
Security
Final Details
Submit for quote

General details

Renewal date / Cover date:	* A value is required.Looks too short for a date – e.g. 30/01/2009Looks too long for a date e.g. 30/01/2009
Renewal premium:
Where did you hear about us?	* We need to know this.We need a little bit more than that”That’s slightly too much text

Questions marked with a * are mandatory.

Please enter details about the main proposer

Title:
‘Other’ my title is:
First name:	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Surname:	* We need to know this detail.Your name is longer than this!That’s too long for a name!
Date of Birth:
Occupation:	*A value is required.Minimum number of characters not met.Exceeded maximum number of characters.

Questions marked with a * are mandatory.

Please enter details about the joint proposer (if applicable)

Title:
‘Other’ my title is:
First name:
Surname:
Date of Birth:
Occupation:

Questions marked with a * are mandatory.

Please indicate how we may contact you

Preferred method of contact:
Contact telephone number:	A value is required.Minimum number of characters not met.Exceeded maximum number of characters.*
Email address:	A value is required.Invalid format.*

Questions marked with a * are mandatory.

Please enter details all about the property to be insured

House name / Number:	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Postcode	* A value is required.Minimum number of characters not met.Exceeded maximum number of characters.
Year property built (approximately)	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Year property was purchased:	* A value is required.Invalid format.Minimum number of characters not met.Exceeded maximum number of characters.
Construction of the property:		*
Is the roof tiled or flat (the roof can be a mixture tiled and flat)
What percentage of the roof is flat:
What type of property:
If the property is a flat or maisonette, what floor is it on?:
If property is let, please state the type of tenants occupying the property, ie working professionals/retired, DSS claimants, students or asylum seekers
How many bedrooms:	* A value is required.
Is the property		*

Questions marked with a * are mandatory.

Only answer the following questions if buildings cover is required

Rebuild value of the property:

Questions marked with a * are mandatory.

(Only answer the following questions if contents cover is required)

Contents sum insured:
If you have any valuables or single items worth over £500, please list with sums insure here:
Do you require ‘Personal Possessions’ cover for items taken away from the home:
If yes, please specify the amount of unspecified personal possessions taken away from the home:
If you have any specified items taken away from the home valued over £500, or require cover for any pedal cycles, money or mobile phones, please list with sums insured here:

Questions marked with a * are mandatory.

Please answer the questions regarding security at the property

Are all external doors fitted with five lever mortice deadlocks:		*
Are all accessible windows fitted with key locks:		*
Is there an alarm fitted to the property:
If yes, please state what type, eg bells only, Redcare

Questions marked with a * are mandatory.

Has the proposer(s), or anyone living at the insured address:

Please give details of any unspent or pending criminal conviction(s) relating to anyone living in the property. Please give the date of the conviction(s), nature of offence(s) and the penalty/sentence imposed	A value is required.Minimum number of characters not met.Exceeded maximum number of characters.	*
Ever been declared bankrupt/insolvent or the subject of bankruptcy proceedings:		*
Ever had a proposal refused or declined or had an insurance cancelled, renewal refused or had special terms imposed:		*
Is the property located within 400 metres of a watercourse or has the property ever flooded:		*
Is the property currently undergoing structural renovation, or is any structural work (excluding interior decorating) planned during the policy term?:		*
Has the property ever suffered any obvious damage from subsidence or show any visible signs of cracking, or has the property ever been underpinned:		*
Have you made any claims against the buildings or contents insurance for this, or any other property, within the past five years:		*
If you have answered yes to any of these questions, please give details below, detailing dates, circumstances and if a claim, the settlement amount.

Questions marked with a * are mandatory.

Please check your form over and submit it to us

Please check all of the details. Once you are happy with the information provided, please click the submit button.

We will be in contact as soon as we have obtained a quotation. Thank you.

If you remain on this page, after pressing submit, please re-check the form for missing details
(it will be highlighted)