HOW BOGUS CALLERS could invalidate your HOME INSURANCE

Being robbed is a nightmare but it’s even more devastating if you let the offender into your home. As winter sets in, the risk of burglary increases.

Winter means cold weather and darker nights but it also brings a greater risk of crime.

Burglars are more likely to target your home and personal belongings when the nights draw in.

Many criminals attempt to gain entry by posing as genuine workmen. Last year, advice service Consumer Direct received more than 5,300 complaints about suspicious “traders” offering home maintenance work on the doorstep.

Beware of bogus callers

Police forces around the UK have been issuing warnings against bogus callers after a spate of thefts in recent weeks.

In particular, Wiltshire police reported several incidents when homes were targeted by a distraction burglary – where the homeowner is distracted under a false pretence, someone posing as a gas man for example, while  an accomplice rifles though their possessions in search of cash or valuables.

So, be wary of rogue doorstep traders, especially those offering winter home improvements.

How it affects home insurance

Despite this alarmingly high figure and the fact that the average victim of a distraction burglary has £1,230 worth of belongings stolen, the research also showed that this type of crime went largely unreported.

Quite often a homeowner might not realise something is missing until sometime after the incident and in other cases they fail to report it all together.

But an insurance policy might not pay out if the crime has not been reported to the police, because most insurance policies state that there’s a window of between 24 and 48 hours to report a theft in order to make a claim.

More importantly, your contents insurance may be invalid if you’re victim of this type of crime because some polices only pay out if there is evidence of forced entry. Inviting the offender in for a cup of tea might not cut it with your insurer.

“A policy wording might say that the home insurer will exclude theft by deception, unless deception is used only to get into the home.

“They may also exclude a claim for theft of personal money, unless someone has broken into or out of the home by using force and violence.

“So this means that in some circumstances a theft by deception is covered but every policy is different.”

What can you do to protect yourself?

Firstly, always lock up and remember to make an extra effort to make your home look occupied if you’re out on bonfire night, Halloween or away for Christmas – prime times for thieves to strike.

When it comes to bogus callers the Office Fair Trading offers the following advice:

• If a trader knocks at your door do not agree to on-the-spot house repairs, or sign anything      there and then.
• Be wary of special offers or warnings that your house is unsafe.
• Do not make snap decisions. Take time to talk to someone you trust before you agree to anything.
• If in doubt, call Consumer Direct on 08454 040506 or visitwww.consumerdirect.gov.uk/doorstepselling.   HOME INSURANCE

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HOW CAN YOU MAKE YOUR INSURANCE POLICY CHEAPER?

There are a number of ways.

·         Your car
The value, type and engine power of your car all make a difference, the smaller the car, generally, the lower the price.

·         Security
Fit an alarm, immobiliser or tracker system.

·         Annual mileage
Be as accurate as you can with how many miles you would do in an average year.

·         Where the car is parked
If you have a garage its best to use it, it could lower your premium.

·         Additional drivers
Only add drivers to your policy that regularly use the car. 'Any driver' policies and policies with more than two named drivers can be expensive and you may not need to have such an open policy. You can often add drivers temporarily to your policy for a small charge.

·         Upping your voluntary excess
An excess is the first part of a claim that you pay although you can get it back if the claim is deemed 'not-fault' (that's what Legal Expenses cover is mostly used for and remember your insurance company determines who is at fault - see our FAQ on Fault/non-fault claims). If you increase your voluntary excess then your premium should get lower.

·         Maintain NO CLAIM Bonus. If possible avoid making claims for minor damage such as dents and scrapes.

·         If you can afford raise the excess mandatory. By doing so your premiums should tumble.

·         Loyalty schemes offer a further way to cut costs. By taking out car insurance with your home insurer you could receive a further discount. Just ask for it.

·         Annual premiums are cheaper than monthly ones.

·         Take a further driver Training Course. The PASS PLUS course involves taking six further lessons in the first year after passing your test. Young drivers can qualify for a cheaper insurance by producing a PASS PLUS Certificate.

Shop around. Visit the following comparison sites for best quotations.

             http://www.gocompare.com/
             http://www.swinton.co.uk/

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HOW TO GET THE BEST DEAL On your CAR INSURANCE

WE normally receive a renewal notice from our existing insurer when our CAR INSURANCE is about to due for renewal.

When we do received it, HERE you should do to get the BEST DEAL.
    - Take note of the quoted price for fully comprehensive cover
    - Shop around for a better offer. Visit some comparison sites like http://www.gocompare.com or make some calls to other brokers. Another good site,http://www.comparethemarket.com and http://www.swinton.co.uk/ have some great offers.

    - Phone back your existing insurer and tell them what you've been offered, the price, the company offering it.

Chances are, that they not only would they match the price, they might reduce it further. I know most people get other quotes when their insurance renewal come through, and most don't consider coming back to their existing insurer when they've got the best quote from somewhere.

Do consider getting back to them. Chances are you got even more better offer.

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