Useful Information

Here to help YOU...
You don't buy a new Jaguar for the price of a Skoda do you?
Insurance is like most things - you get what you pay for, so always check your cover!!

There are however ways to keep your premiums down and here are some tips for your convenience:

Motor Insurance:

Second car discounts
If the main vehicle in your household has maximum no claims discount, you could receive up to 60% discount off the second vehicle in your household - provided of course, that this vehicle has not had any claims and does not have a young driver named on it.

Company car bonus
Were you aware that if you have been driving a company car, you can transfer your claim free years of driving on to a personal policy.

Pass Plus
If you are a new driver, you can earn up to the equivalent of one years no claims bonus by taking a 'Pass Plus' certificate.

Garaged
Vehicles which are garaged over night receive a discount as they are less of a theft risk.

Mileage
Standard mileage is around 12,000 per year. If you do less than this, tell us and you will, with most policies, receive a discount.

Voluntary Excess
Most policies will have a standard excess in place. This is the amount you pay towards a claim and is usually between £50 and £150. You can however increase your excess for a discount. Be careful though, to check what excess is already on your policy.

Named Drivers
If you have an 'Any Driver' policy which, as the name suggests, insures anyone to drive your vehicle, you could save money by putting an age limit in there or restricting it only to named drivers.

Home Insurance:

Rebuilding cost not purchase price
You should insure your house for the rebuilding cost, not the purchase price. Purchase prices are often much higher than the rebuild cost.

Security
Discounts are available for window locks, certain types of door locks and alarms. If you have any security measure in place at your home, tell us and we'll tell you if you're eligible to a discount.

Smoke alarms
A discount is available for houses protected by smoke alarms

Neighbourhood watch areas
Neighbourhood watch areas are proven to be less risky areas for insurers. If you live in one, tell us.

Buildings & Contents under one 'roof'
If you insure your buildings and contents with one insurer, you get what is known as a combined discount. As well as this, if there is a claim which affects both policies, if you are insured with just one insurer you only have to pay one excess.

Mortgage Lenders can take a lend!
If you currently insure your Buildings with your mortgage lender, it is more than likely you are paying too much! If you are worried about the penalty clauses some of these establishments charge, don't be, most insurers will pay this for you!

Travel Insurance:

Travel Agents
Never accept the price from your travel agent for insurance until you have checked other sources. Many Travel Agents substantially load their premiums.

Delete baggage etc
If your personal possessions are insured through your household policy for All Risks Worldwide, you don't need to insure them under your holiday insurance policy. Most insurers will give you a discount to remove the Personal Possessions if they are already insured elsewhere.

Annual multi trip
If you are going on holiday and taking out insurance, 2, 3 or more times a year, you could find it cheaper with an Annual Multi Trip Policy.

Group policy
If there is a group of you going on holiday. Insure yourselves as such and you will receive a group discount.