Customers must reassess home and contents insurance needs
September 28, 2007
Consumers in the UK are constantly being urged to bear in mind the importance of having adequate home and contents insurance cover in place, and many – particularly after the recent flooding seen in the UK – have taken the time to ensure that their valuables and their home is covered against malicious or accidental damage, theft, loss, and other possibilities. However, many are failing to reassess their insurance needs after having work carried out or after buying valuable items, which could prove to be a real downfall if anything happens state experts.
Officials from Direct Line Insurance are urging consumers that have purchased new belongings such as expensive jewellery or equipment for the home to reassess their insurance needs and to make sure that they contact their insurance provider and amend their policies accordingly. The same goes for when any works are carried out in the home, such as extensions and conservatories. Even additional expensive in the garden such as furniture and equipment should involve reassessment.
There are particular times at which a reassessment on home insurance needs may be required, such as at Christmas when there may be more expensive items and gifts in the home, or if you have recently got married and may have expensive gifts added to the home.
One official from Direct Line explained the importance of updating insurance cover. She stated: “If we go to make a claim, we may find that the items we have purchased are not actually covered under the contents insurance we currently have in place. Certain security arrangements would need to be in place before the cover could be provided, for example, expensive jewellery would require a safe, etc.”
Alan Wright
28th September 2007
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