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Insurance since 1919

Concrete or timber floors

Usually when you are looking for flats and maisonettes insurance you will be asked whether the dwelling has concrete or timber floors. The answer may have an effect on the premium, but generally not the terms. Blocks of flats and maisonettes with timber floors can be higher rated. As wooden floors don’t retain water as […]

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Personal money and cards

Most owner occupied home contents insurances come with personal money and cards cover. Split into two parts. Insurance within the home, with a limit of usually £500. Cover away from home, an optional chargeable extension. Included within the policy wording will be a definition of personal money and cards, which could be similar to the […]

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Ember JD expand product range

We are very pleased to announce that from May 2013 Ember JD expand product range for home insurance, offering more choice and flexibility at great prices. Our arrangement with quality UK insurers not only provides quotes for harder to place risks, we also offer competitive premiums for standard risks. If you are looking for a […]

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Insurance policy definitions

Home policy wordings include a definitions section, where the meaning of important listed words or phrases used throughout the document is contained. These selected words or phrases would be in bold font, so easy to identify.For example, the definition of the key word ‘land’ and one example of its use within the wording is detailed […]

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BIBA and Unitas members

BIBA The British Insurance Brokers’ Association (BIBA) is the trade organisation for UK general insurance brokers, looking after the interests of its members and in turn their clients. Today BIBA has just under 2,000 regulated members, since the merger with the Institute of Insurance Brokers (IIB) in November 2011. The general insurance broking sector is […]

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Claims settlement

This post looks into how insurers might deal with a buildings and contents claim. The general purpose of a home insurance is to put the claimant back to the same positive they were in immediately before the loss or damage, provided that the sum insured is not less than the current replacement cost of the […]

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Reasonable care condition

Home insurance policies include a reasonable care condition usually split into two parts. Firstly all reasonable steps must be taken to avoid or reduce the effects of accidents, loss or damage. When a mishap occurs the insured must ensure that losses are, where possible, restricted. For example, in the event of escape of water from […]

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Policy documents

Home insurance like other classes of insurance, comes with numerous supporting documents. All essential reading to understand the scope of the cover provided. This post looks at the main documents issued by providers, which should be set out in plain English so easy for a layperson to understand. When you take out cover or change […]

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Definition of valuables

Under home contents insurances valuables are usually defined as jewellery, watches, gold, silver, precious metals, gemstones, furs, pictures, curios and other works of art, stamp, coin and medal collections, televisions, radios, home computers, audio and home computer equipment. The reason for the definition is that valuables are more high risk than other general household goods […]

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