Insurance Articles

A Nation of "Jekyll and Drivers"
Britain is a nation of "Jekyll and Drivers" according to psychological research released today that reveals 40% of us experience a radical personality change when we get behind the wheel: nearly two thirds (61%) become more aggressive and take greater risks, whilst 39% actually become quieter and overly cautious when they hit the road.

Photo Driving Licences
Drivers with photo licence face fines of up to £1,000
More than 40,000 drivers risk fines of up to £1,000 because they have failed to renew their photocard driving licences.

Many will not have realised that photocards expire after ten years, unlike the old green paper licences, which were valid until the driver was 70. Drivers risk prosecution if stopped by police and may also find that their insurers refuse to pay out on claims they make.

Healthcare Abroad
With the continuing cold temperatures which we are currently experiencing, no doubt many people have been spurred on to book their summer breaks early this year longing for some glorious weather.

If you are looking at travelling to Europe don’t forget to check the expiry date on your European Health Insurance Card (EHIC) before travelling.

Practical Advice about flooding
With the many extremes of weather that we have been recently facing, we have woken to heavy rainfall overnight. The miserable weather is set to continue, with the cold snap not relinquishing its grip for at least another week within the region.

There are many things that you can do when a flood warning is given in particular if you live in an area susceptible to such acts of nature. Over 5 million people live and work in flood risk areas in the UK (Source: Environment Agency).

Expected sharp rise in theft related insurance claims during 2009
With the onset of a recession, it is being reported that insurers expect to see a sharp rise in theft-related insurance claims during 2009 in line with the rising levels of unemployment.

In the last decade individuals have enjoyed a period of prosperity with a rise in consumer culture. As individuals many of us have acquired more valuable personal possessions IPods, flat screen televisions, jewellery etc. Hiscox’s have estimated that on average home owners have three times more of these portable items than ten years ago.

To help beat the burglar during these difficult times here is a list of things you can do to reduce your chances of being burgled:

Are you under-insured this Christmas?

With Christmas fast approaching and houses full of presents, you need to make sure that it’s not just Santa coming to visit whilst your home is unoccupied. With an average spend per family of £677 on gifts, UK homeowners need to ensure that they are not under-insured during the Christmas period.