How To Reduce Your Insurance Premiums
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How To Reduce Your Insurance Premiums?
You may have noticed that one of the standard questions that you are asked when you apply for household insurance is whether you have made a claim within the last three years. You will also be asked whether you have invested in suitable security features such as an alarm, window locks, mortise deadlocks or even a smoke detector. None of these security devices are particularly expensive but will help to reduce the cost of insuring your property and perhaps more importantly reduce the chances of your being burgled in the first place. In 2000, there were over one million actual or attempted burglaries. Many burglars are opportunistic and are attracted to houses that appear empty or vulnerable because they have no visible security devices. If you are leaving your home for any period of time there are some common sense measures you can take to prevent your home becoming a target for thieves. Cancel any milk or newspapers deliveries for the time you are away. Ask a neighbour to keep an eye on your property – if they have two cars let them park one of them on your drive. Use timer switches (available from all good DIY stores) to turn lights off and on during the evening. Don’t leave a spare key concealed near your front or back door- burglars know all the usual hiding places. Make sure that valuables – keys, credit cards and cash – cannot be easily seen. Lock all doors and windows and if you have an alarm make sure it is set. Surveys have shown that 30% of homeowners improve their window and door security after they have been burgled. Don’t leave it too late – take action now! In addition, if you are planning to leave your home empty for more than 30 days you should also notify us by calling 0845 458 3068 as well as your insurers. This will ensure that your policy remains valid in the event that you need to make a claim if something happens while you are away.
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