10 Tips To Get Cheaper Home Insurance
By Nigel .
It is always nice when you are able to pay less for house and get the same cover or more. Below are ten handy tips that you can carry out to get cheaper house premiums.
1. Increase your voluntary excess
Your excess is the amount of money you agree to pay towards a claim before the insurer pays the rest. For example, if you had a 200 pound excess and a 500 pound claim you would pay 200 pounds and the company would pay £300. If you choose to pay a higher excess, you will pay a lower premium. You can make serious savings by doing this. When you are comparing policies, try changing the excess amount to see how much you can save.
2. Fit smoke alarms
Fire alarms are quite cheap, especially when compared to the cost of a home or the loss of a life. A large number of home fires are caused by cooking or smoking. Don’t leave matches or lighters laying around, never leave your cooking unattended and don't smoke in bed. Be aware if you have young children that they love to play with all things exciting and new. They may turn on the cooker, light paper or cover lamps. All of these things can cause a fire in your home.
3. Install new locks
If you have just moved into a new home, you do not know who may still have a key. The cost of changing your locks is far less than having all of your worldly possessions stolen from from your home. Ensure you fit good quality locks - preferably five-lever mortise locks.
4. Have security lighting installed
Burglars prefer to work in the cover of darkness and don’t like to be in the spotlight. Use movement sensors with your lighting to surprise unwanted visitors and keep them at bay. A blast of light will also raise attention with yourself or neighbours in the middle of the night.
5. Install time switches on internal lights
Your home is most at risk to burgulary when you are not present. Lights that are activated at a particular time will give outsiders the impression that you are at home when you are not. You can stagger the intervals the lights are switched on and off in different rooms make it appear like you are moving about the house.
6. Have an alarm system installed
Check with your insurer if they have a preferred provider of home alarm systems. By installing a professional alarm system can sometimes reduce premiums by over 5 %. That is a good saving, plus it will give you peace of mind that your home is safe.
7. Don't leave your keys under the mat
This
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will be the first place a thief will look. If you need to hide your house keys, put a little thought into somewhere a thief would never think of looking. Also don't leave your keys on a hook close to the front door where a thief could hook the keys with a wire through the front letter box.
8. Insulate your external pipes
Outside pipes can easily freeze in the great British winter. By lagging (wrapping insulation around the pipe) your external pipes will help to reduce the chance of them freezing. If pipes do freeze you can often get leaks in cracked pipes or burn out pump motors as the water will not travel through the pipe.
9. Regularly check you house and property for subsidence.
Subsidence is usually covered by your home buildings insurance. It is important to identify movement as soon as possible to limit damage to you home. Look for unevenness in walls and floors and cracks in walls.
10. Only claim if you have to
The less number of claims you make, the higher your no claims discount will be. If a minor issue happens, think carefully before claiming the item on your insurance. If you do submit a claim and loose your no claims discount, is this going to cost you more in the long term?
If you want to save money on your you need to compare providers. Ideally you should be checking deals at least once a year to make sure you are always getting the best price.
