Welcome to The Assetsure Blog

many policyholders choose lower cover levels to such an extent, that if an insurance claim had to be made in the future, the claim would not pay out the full replacement cost of the of lost, stolen or broken items... .

Recent losses in the insurance industry, coupled with complaints from policyholders living in floodplains about obtaining cover continued to appear in the media. Yet, with the imminent expiry of the Statement of Principles in July 2013, the insurance industry and the Government have still not resolved the issue of the affordability of home insurance policies for people living in floodplains....

We constantly get contacted by irate people seeking an alternative home insurance quote, because their existing insurance company has have recently sent their insurance renewal with a 30% price hike. Most people naturally cant understand and feel completely aggrieved that they should pay such a large increase - especially in times of austerity and for the same insurance product. Yet the economics of the insurance industry can be quite fragile at times; as recent company results shown.......

As most of Britain worries about the threat of a major drought, many UK homeowners now face the threat of subsidence. It seems like only recently the main news topic of conversation was why homeowners cannot find adequate home insurance because they live on a floodplain. However, as record-breaking dry hot weather continues, it is likely to cause the foundations of more and more homes to shift and walls to crack....

I find it quite funny, the number of people that don't buy insurance from me, but still value my opinion, especially when something goes wrong.

As it becomes more widely accepted that the risk of flooding is set to increase across the whole of the country, the question of who should pay for flood insurance is once again coming to the forefront of debate.....

Why are homeowners being regarded as 'lazy', merely because they stay with the same insurer from one year to the next. Getting alternative quotes and paperwork is enough to put off lots of would be switchers. Millions of policyholders are simply apathetic and cannot be bothered to switch home insurance companies.

Most consumers do not realise that when buying an insurance policy, their “risk” may be reinsured by another company. In the United Kingdom, as elsewhere in the world, there are highly developed mechanisms to share risks around the market....

We have all been there. Endlessly waiting in a call centre queue for someone to finally speak to us on the phone and sell us a home insurance policy. 'Your call is important to us', the delighted recorded message chirps. You are then subjected to a seemingly never ending list of irrelevant choices that frustrates us, when all we want is a knowledgeable insurance professional....

Whilst we can hopefully leave our work cares behind us, it is important that we remember to take care of our homes to ensure that we don't have any nasty surprises on our return. My own experience highlights the problem. We set off for our half term break and unbelievably, no sooner had our plane touched down than my son was on the phone telling me, we had a burst pipe.....

Despite a relative fall in burst pipe claims due to freezing weather, home insurance premiums continue to climb.....

The more stringent an insurance claims procedure is, the greater the likelihood overall claims costs may reduce honest policyholders annual insurance quotation...

Why do insurers ask such detailed questions with regard to roofs, surely a roof is a roof?...

As the recession continues to bite, and price of metals continues to rise, there has been a steady increase in the number of thefts of precious metals from historical and listed buildings...

Dealing with water leaks in your home is always stressful and time consuming. So the next time you buy a home insurance policy, check the additional covers and exclusions carefully....

Large numbers of genuine claims are settled by insurers every day of the week and the amounts paid out are quite staggering. So why do most of us moan and grumble when the subject of home insurance is brought up in conversation?...

Lots of people have been ringing in following the recent out breaks of violence and asking if they would be covered if there was damage caused to their own property...

Lots of people have been ringing in following the recent out breaks of violence and asking if they would be covered if there was damage caused to their own property...

When it comes to home insurance, it is sometimes difficult to persuade a customer that they need to insure both their buildings and contents for their maximum replacement cost. “Why so?” is often the question. “I’m never going to claim that amount of money, the house isn’t going to burn down and if I’m burgled, thieves are never going to steal all of my contents”. Fair question?

There have been recent reports that laws are to change outlawing the practice of providing females with cheaper car insurance. So, what’s the story behind this? For a good many years some insurance companies have been providing females with a better deal, not because they are female and not because they have fewer accidents, statistics show that when they do have accidents, the amounts paid out in respect of the claims are less. Less money paid in claims, equals more profit for insurance companies and cheaper premiums....

The rules around capital gains tax and second homes are becoming quite topical, due to the fiasco over MPs expenses. The blatant and immoral exploitation of taxpayers money, using their MP’s second home allowance has caused outrage. Their actions have put the political spotlight of the concept of ‘flipping’ between their main residence and second home...

Owners of holiday homes and second homes have been hit by 'technical' tax changes hidden in the budget. The tax changes may mean rents becoming more expensive for tenants and is fewer numbers of property investors entering the second home in holiday home markets. The tax changes relate to deferring capital gains tax payments or offsetting losses made on their property investment, against their personal income. Is this fair?...

The collapse of confidence has reduced property prices. Many expect the lack of mortgage lending to continue to drive down property prices further in the future. Everybody is ‘tightening their belts’ and getting used to the new reality of job cuts, reduced business investment and bad news headlines regarding banking bailouts. So how did the credit crunch begin in the first place? and who is to blame for the current economic instability?...