Citizens Advice have recently highlighted concerns that certain groups of people in the market are particularly susceptible to the “loyalty penalty” for their home insurance. They identified that “people in vulnerable states” are particularly likely to be penalised. Who’s most affected? Citizens Advice reported that 32% of those paying the loyalty penalty are over 65,
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With lots of people heading away to see family and friends over the Christmas period, and houses left unoccupied and full of presents, the festive season is a time to be extra careful about home safety. Burglaries rise by 53% over Christmas, and house fires are a risk due to all the twinkling lights decorating
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An indemnity period is the time frame in which insurance companies will look to contribute towards a business interruption claim for loss of earnings. The indemnity period starts from the time of the initial loss and will operate while the rectification work is being carried out and will also continue once the business re-opens until
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If hosting Christmas seems too much like hard work when you’re meant to be relaxing on a much-needed break, why not let someone else take the strain? Staying in a hotel over Christmas is a great way to enjoy the fun of the festive season without all the stresses associated with having people to stay
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This time of year, it gets dark around 4pm in the UK and the sun doesn’t come up again till nearly 8am! This pretty much guarantees that if you are driving to and from work, you are going to be spending much of your journey in the dark. Driving in the dark can bring its
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No-one wants to be a health and safety bore or a party-pooper at Christmas but the last thing you need is something going wrong in your business at this time of year! There are a few added risks you’ll need to be aware of to make sure accidents and misconduct don’t ruin the fun. From decorations blocking
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Starting your own business is a bold and exciting move, and for many, it’s a way of achieving freedom from working for someone else. However, many small businesses fall at the first hurdle, often by making the same common mistakes during their first year. Here are some of the pitfalls to watch out for and
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As winter approaches and the mercury plummets, you might be starting to think about what happens when the inevitable winter storms hit and the country experiences weather-related disruption. Last year the UK had more snow than it’s had for years, and if this year pans out the same, we may be in for a fair
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With the first of the winter storms already behind us, do you have a plan in place for what to do if you’re affected by a weather-related flood? If you live in one of the estimated one in six homes prone to flooding in the UK, it’s wise to know what to do should the
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During the transition from summer to winter, it is important to carry out safety checks on your home, to help prevent the worst from happening! Pipes – Frozen pipes are the biggest reason for escape of water claims in the winter. According to the Association of British Insurers (ABI), the insurance industry pays out £2.5m every day to customers for escape
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