Appliance Cover: The Finer Details

We often take our appliances for granted, until — once we’ve been dropped back into 19th century, forced to scrub clothing by hand we can’t get our white goods repaired fast enough.

A standard home contents insurance policy will cover your appliances if they are damaged or destroyed in a fire, storm, flood, other natural disaster or if they’re stolen. But it won’t cover these kitchen essentials if they break down due to age, wear and tear or are accidentally damaged.

Appliance insurance policies can cover these eventualities, compensating you for the repair or replacement of appliances, including ovens, hobs, refrigerators, freezers, washing machines, and more.

All insurance policies have exclusions or events they just will not cover. Typical exclusions on appliance insurance policies include: Continue reading “Appliance Cover: The Finer Details”

Installing your new boiler; Some extras to consider

When you talk to the heating engineer about your hot water needs from a new boiler, we think a good installer will mention some or all of the following for you to consider. If they don’t come up in conversation, ask about them.  A good installer will be able to give you a full understanding of the benefits of each extra and advise whether they are needed.

Gas pipe

The gas pipe runs from the meter to the boiler and should be checked to ensure it is large enough in diameter to deliver sufficient gas to your new boiler. If a new gas pipe is required, it should be clean and free of any debris so as to ensure nothing untoward enters the boiler. Continue reading “Installing your new boiler; Some extras to consider”

Boiler Manufacturers; Who are some the best?

Boiler Manufacturers: Who are some the best in 2020…?

Is the world of boiler comparison too noisy? This guide will reveal some of the best boiler manufacturers you could buy — learn more about the best brands and see a side-by-side price comparison below.

As you’re probably aware, installing a new boiler is not cheap. A typical combi could cost £2,000-£3,000 including labour. Oil boilers, while more seldom used, tend to be much more expensive.

Data on the radiator & boiler market share in the UK exists but is restricted. Figures are complicated, too, because the UK has an open market where boilers, for example, can be imported and sold without the need to publish information publicly. Continue reading “Boiler Manufacturers; Who are some the best?”

How do I know what boiler to buy? How do I cover it?

To help you decide what new boiler you need, it can sometimes be worthwhile to have a surveyor come to your property. They can advise you on which new boiler might suit your needs best.

Don’t worry if you don’t know your combi from your cylinder; Alternatively, you can start an instant chat with one of our team.

New Boilers vary based on what type, brand and size you want. Below we’ll explain what some of the most common varieties are, and how they are suitable for certain sizes of property and demand.

There are three main types of boiler: combi, heat only (regular) and system.

Continue reading “How do I know what boiler to buy? How do I cover it?”

Protecting Your Smart TV

Are you looking to buy a smart TV? Perhaps you own one and want to know how you can use it as safely as possible. Whilst, first and foremost, we buy these exciting pieces of technology to enrich our lives with entertainment, we often overlook potential areas of concern. Smart TVs are expensive and consumers often save up for a long time to buy one, so why would we not want to ensure that our investment is kept in the best condition possible? With physical damage and virus attacks being a just couple of the problems smart TV owners can face, we want to make sure that both you and your television are as safe as they can be.

In this guide, we’ll take you through four important aspects of protecting your smart TV:

Continue reading “Protecting Your Smart TV”

Insurers, Rising to the Twenty-First Century Challenge

The climate crisis, vast amounts of data, and expanding digital opportunities are creating high-stakes environments, raising new threats for insurance companies. How they respond will establish precedents for their long-term resilience, or otherwise.

Let us explore how three macro trends will have a major impact on the world and insurance, as well as how successful insurers are connecting, predicting, adapting, and using digital technologies to become constant protectors in their customers’ lives.

According to Swiss Re’s 2018 report, global insurance premiums exceeded the $5 trillion mark (£4 trillion) for the first time. While industry’s health seems constant from afar, Continue reading “Insurers, Rising to the Twenty-First Century Challenge”

Boiler Cover for All Budgets

A boiler and central heating system in working order are essential in keeping your home warm and comfortable.

If your heating system fails, you want to be sure that you can get it fixed as quickly as possible, and in a cost-effective way. You can avoid an unexpected bill and gain peace of mind with boiler and central heating insurance or care.

For the ordinary domestic home, there are virtually three groups of options whether you are someone looking cheap boiler insurance or want a full cover with no excess — a range of options exist for all budgets.

Cover Type What you’re covered for
Boiler cover Covers your boiler and its controls. 24/7 call centre so you can immediately arrange a call-out for a boiler breakdown. Optional annual service and maintenance check
Boiler & central heating cover All the benefits of boiler cover as well as radiators, pumps and flue.
Home Emergency cover All the benefits of the boiler and central heating cover. Choose whether you would like your plumbing and drains, electrical wiring or both included.

Continue reading “Boiler Cover for All Budgets”

Home Insurance for All Budgets

 

There’s no legal requirement to have Home insurance but having means there will no large bills if you need to repair your home or replace your belongings after they have been stolen, damaged or destroyed. As home security systems have improved, and as the result of other contributing factors, between 2002/03 and 2018/19, there has been a clear trend of declining burglary offences in England and Wales. You may not feel like this is the case in your area.

Home Insurance comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

As the name suggests, buildings insurance applies to the physical integrity and good maintenance of your home, like the walls and the roof. In select cases, permanent fixtures and fittings, like your bathtub and kitchen cupboards, may also be covered by buildings insurance. Continue reading “Home Insurance for All Budgets”

Could Renting Home Appliances be for you?

In April 2019, AO World announced it would be beginning a trial of an appliance rental service in England and Scotland, offering the rental of white goods starting from £8 a month, seems to be prefiguring wider changes where consumer behaviour seems to be less enthralled by the prospect of appliance ownership.

Within that affordable sum are insurance, repairs and the recycling of any old appliances. After five years, customers will be able to replace an appliance with a new one and have the old one sent for refurbishment or recycling.

Like other subscription models, AO’s shares in the fact that customers can cancel at any Continue reading “Could Renting Home Appliances be for you?”

Consumer Decision-Making with Home Appliance Insurance, including future trends

Recent research on consumers’ decision making in insurance services, especially regarding Home Appliance Insurance is not as frequent as it should be. The London School of Economics, Ipsos and VVA Europe, prepared in May 2017 a study for the European Commission on consumers’ decision making in insurance services from a behavioural economics perspective. It makes for some interesting, if slightly unsurprising, reading.

For example, most people surveyed did not consider it worthwhile to purchase add-on insurance for a new kitchen, especially if it would only cover furniture, as the risks associated with this type of product were perceived as not being too high. A minority responded that this type of insurance could be potentially worthwhile if it covered appliances or special appliance. On the other hand, even if this were the case, its necessity was questioned. Some of the participants in Sweden argued Continue reading “Consumer Decision-Making with Home Appliance Insurance, including future trends”