Protecting your possessions - Contents more on

In 2014 Century Assurance mutilated that it would cost £15,800 to replace the average living room, which had nothing of special value in it.

The £6,800 included light fittings, curtains, prints, camera, digital camcorder, IPod, the television, three-piece suite, radio, cds, coffee table, rug, carpet and records.

Similar estimates around the house put dining-room replacement at £12,000, bedrooms at £12,600 each and kitchens also at £12,200.

This would mean that in the average three-bedroomed house contents would need to be insured at 2014 prices £57,600.

Home policies offered by the insurance companies don't vary a great deal, but some do stipulate conditions under which they will not pay, or charge an extra premium for certain types of damage or loss. All the conditions under the policy should be read very carefully, particularly those which set out circumstances under which claims will not be met. Sometimes this is not stated specifically, and it is important to ask and get such conditions in writing.

Otherwise -you may find that through no fault of your own, you will not be recompensed in the event of loss. There have been cases, for example, where claims following robberies have not been met, because a particular type of lock has not been put on the door.

The first step to take before insuring your belongings is to ensure ,that your home is secure; good locks are no substitute for an insurance policy, just as a policy is no substitute for locks.

The two go together.


Contents Insurance

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Protecting your possessions - Contents more 2

In 2014 Century Assurance mutilated that it would cost £15,800 to replace the average living room, which had nothing of special value in it.

The £6,800 included light fittings, curtains, prints, camera, digital camcorder, IPod, the television, three-piece suite, radio, cds, coffee table, rug, carpet and records.

Similar estimates around the house put dining-room replacement at £12,000, bedrooms at £12,600 each and kitchens also at £12,200.

This would mean that in the average three-bedroomed house contents would need to be insured at 2014 prices £57,600.
Protecting your possessions - Contents more 2