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first company in the UK to launch a true
monthly insurance policy
and are authorised and regulated by the Financial Services
Authority.
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Simplicity and service - A statement from Select & Protect
"Select & Protect’s philosophy is simple “providing all customers with an exemplary service”. The claims service is second to none, with minimum delay in acceptance and settlement. All claims are dealt with in a professional and caring manner. We monitor and improve our service through the use of claims questionnaires and our responses from customers constantly indicates that over 95% of people who claim rate themselves as either “satisfied” or “very satisfied” with our service".
Women's £2bn bill for 'vanity vandalism'
WOMEN who use hair straighteners, hot wax and other beauty treatments cause
almost £2billion worth of damage to homes.
From fires caused by overheated straighteners to hot wax dripping on to
carpets and furniture, insurance claims have soared for what has become
known as "vanity vandalism".
As much as £1.9bn has been paid out in claims related to such products in
the UK in recent years, according to Halifax Home Insurance.
Up to four million claims have been made as a result of burns and fires
caused by heated hair straighteners or rollers being left unattended.
Another seven million claims relate to stained clothes, carpets or
furniture with hot wax, based on the Halifax's claims history and a survey
of more than 1000 adults.
Vicky Emmott, senior underwriting manager at Halifax Home Insurance,
said young adults were more likely to be the cause of such claims than
older ones. WOMEN who use hair straighteners, hot wax and other beauty
treatments cause almost £2billion worth of damage to homes.
From fires caused by overheated straighteners to hot wax dripping on to
carpets and furniture, insurance claims have soared for what has become
known as "vanity vandalism".
As much as £1.9bn has been paid out in claims related to such products in
the UK in recent years, according to Halifax Home Insurance.
Up to four million claims have been made as a result of burns and fires
caused by heated hair straighteners or rollers being left unattended.
Another seven million claims relate to stained clothes, carpets or
furniture with hot wax, based on the Halifax's claims history and a survey
of more than 1000 adults.
Vicky Emmott, senior underwriting manager at Halifax Home Insurance,
said young adults were more likely to be the cause of such claims than
older ones. WOMEN who use hair straighteners, hot wax and other beauty
treatments cause almost £2billion worth of damage to homes.
From fires caused by overheated straighteners to hot wax dripping on to
carpets and furniture, insurance claims have soared for what has become
known as "vanity vandalism".
As much as £1.9bn has been paid out in claims related to such products in
the UK in recent years, according to Halifax Home Insurance.
Up to four million claims have been made as a result of burns and fires
caused by heated hair straighteners or rollers being left unattended.
Another seven million claims relate to stained clothes, carpets or
furniture with hot wax, based on the Halifax's claims history and a survey
of more than 1000 adults.
Vicky Emmott, senior underwriting manager at Halifax Home Insurance,
said young adults were more likely to be the cause of such claims than
older ones.
evening times .co.uk
A new online service allows people to calculate the cost of rebuilding
their houses. This will help those renewing their house insurance, which is
based on rebuild costs, not the market value of a property.
RICS Building Cost Information Service (BCIS) cost calculator tells you
approximately how much it would cost to rebuild your house if it was
destroyed by fire or an act of God. The site asks a few simple questions
about the age, type and quality of the property. The only thing that the
owner may have to check is the external floor area within the external
walls, excluding the garden. (See instructions in notes below).
93% of homeowners have household buildings paying on average £173 a year.
After the Lewes floods in 2000 the district council found that 20% of local
residents were underinsured by up to £15K.
Joe Martin, BCIS director, said:
‘Many people will find they are paying too little house insurance and some
may find they are paying too much. Few people realise that insurance on
buildings is driven by construction inflation rather than market prices.
Most have ideas about the rebuild costs of their homes which are way out.
‘Rebuild cost are not always proportionate to size and market value. It is
possible that a highly valued, new-build house in Mayfair will need to be
insured for less than a Victorian terrace in Bridlington. The cost
calculator gives people a starting point to check they are paying the right
home insurance.’
Jane Milne from the Association of British Insurers, said:
‘Home buildings insurance is an essential protection, ensuring that life’s
unexpected emergencies can be managed with out incurring debts. But it is
vital that the correct rebuilding valuation is used when buying insurance
to make sure any claim can be paid in full.’
Source: www.rics.org (a news article about house insurance)
