Insurance

Insurance should be straight-forward as long as insured items have receipts where appropriate and valuables are photographed for later identification. Before filing an insurance claim it is important to remember exactly what is covered in your policy: in a flood-prone area check your house insurance protects against flooding, or you may be in trouble should the worst happen.

If you suffer at the hands of vandals or burglars, report the incident to the police, who will give you a crime number which you will need for your claim. Your insurers will send you a claim form, which should be filled out and returned promptly together with any estimates for repairs that are needed. In the case of an emergency. your insurer will suggest good local tradespeople and should arrange immediate repairs for you.

For a fee, an insurance broker can be employed to deal with your claim, but the inconsistency of skills among brokers means it may be easier to do it yourself!