What is contents insurance and why do we need it… Contents insurance is very much like any other insurance policy, it covers you for any damages caused to any of your belongings within your property, this can range from television sets to kitchen appliances, please speak to your insurers for in depth information though as it never hurts!
When it comes to insurance and the entire insurance system, you do question the premium costs every so often, “I pay all this money upfront and I don’t claim on my insurance, what’s the point” well our insurance panel offers you cash back on some premiums meaning if you don’t claim at all, you can get a percentage of your premium back so you can put it in your pocket!! How good is that? Well it’s better than nothing…
The first thing you need to do is work out how much your belongings cost, this can be an estimate, but just remember to always over estimate rather than under estimate as this could be problematic if it does come down to a claim and prices of your belongings decline! Insurers tend to give you compensation for your belongings at the price they are “Right now” rather than how much they cost you when you paid for it, so make sure when you do get a quote for your contents insurance that you slightly inflate your contents value, this is a simple trick, it may raise your premium slightly but it would be worth it in the long run..
Contents insurance summary
There are so many insurance providers around that will gladly give you a policy but you should do your research yourself to find the very best deals around, obviously those deals are not going to come to you! Those brokers on the phone get a nice healthy commission from your custom and the more you pay for a policy the more money these brokers receive.
By all means, contact a broker, but don’t go into that fight without knowing a rough estimate on premium prices and what’s the best way of obtaining those prices? That’s right, price comparison, you don’t even have to try and find one, you’re right where you need to be, grab a quick contents insurance quote right now and save £££££’s.