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What You May Not Know About Insurance Policies Can Hurt You

By Charles Kelly

As the UK is hit with the big freeze from the ‘Beast from the East’ and ‘Storm Emma’ snow falls, insurance companies will soon be paying out millions of pounds in claims for accidents, burst pipes and flooding. Whilst we are thinking about insurance, this might be a good opportunity to check your insured items on your home buildings and contents policy, as well as other forms of insurance. Make sure you have the right insurance cover for your home, and review it every year for price and sum insured. People often assume that all policies are pretty much the same and only find out the real truth when they put in a claim and get that sick feeling in their stomach when they realise they are not covered for what they thought they were. For instance, are you covered for losses caused by accidental damage or shattered glass, does it cover your garage or outbuildings, garden equipment, how high is your excess (the amount you pay for each claim) and how much interest are you being charged to sp

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