Home Insurance

There are many things in the modern world that are deemed as ‘must have’ from Plasma TV’s to the latest in sportswear but the most important thing of all is some form of insurance for everything. Not being covered for your most prized possessions (including yourself) is a disaster waiting to happen; many people have not taken out vital policies and have found out to their cost the implications. Here at Insurance Supermarket we try and offer a range of policies and services to ensure that this does not happen to you. As part of people’s holiday preparations along with the sun cream and the air ticket, a good, comprehensive travel insurance policy is essential. When selecting the correct policy for you and your family it really does pay to shop around and select the policy that is right for you and provides the right amount of coverage. For example, if you partaking in winter sports such as skiing or snow boarding a general policy would not cover you in the event of an accident, you will definitely need additional coverage. Similarly, a standard policy for a beach holiday beside the Red Sea would not cover you if you were considering a scuba diving course, although the diving company would probably have some sort of liability cover that would be to cover their own backs and not yours. When planning your holiday make the purchase of decent travel insurance a priority and include any sports you might be indulging in, a little more expensive than your standard policy, but a lot cheaper than an extended stay in an overseas hospital. Imagine this scenario, you come home from a night out and find your house has been burned to the ground, flooded or burgled, to say you would be disappointed would be an understatement but if you didn’t have or forgot to renew your home insurance that would be catastrophic both emotionally and financially. Please ensure that your home is adequately covered and your insurance is up to date, if you are unsure about the level of cover you need for your possessions and property please call us for a no obligation quote. The implications of not having cover or sufficient cover in the event of an incident/accident are potentially catastrophic.

Cheap Car Insurance

Owning a car is a milestone in the life of many people, especially young people but with it come massive responsibilities not only to the driver and their family but also pedestrians and fellow drivers. Due to the world we live in, the cost of an insurance policy, especially for young people, can sometimes outweigh the value of the actual car! Here at IS.org we aim to bring you affordable policies which we have especially sourced for many categories of driver. Responsible, safe travel is not only confined to the motor car in your home country, if travelling or driving overseas a comprehensive travel insurance is just as important as your passport and should the unexpected happen you can rest easy knowing at least the financial implications are covered. As many people start preparing for their annual summer holiday, things at home are sometimes overlooked in the excitement but one thing that should not be overlooked is home insurance. Always check that you have the right level of coverage and do not do what many people have overlooked in the past, forgot to renew their policy! Things to consider when purchasing or renewing a home policy is the value of your possessions, have you considered the cost of that family heirloom hanging in the front room or little Tony’s brand new state of the art mountain bike? Obviously no one wants to really claim on any policy unless really necessary, you can lower this risk by making sure your home has all the necessary security things such as burglar alarm and window locks, although you cannot plan in advance for natural disasters you can certainly dissuade the criminal element! You can also help yourself in regard to not claiming on your travel insurance policy by making sure your possession are locked away securely and a good lock is fitted to your baggage. To sum up, it is your responsibility to ensure you are covered for any eventuality and home insurance is the obvious place to start as this is presumably where the majority of your hard earned possessions are, to leave anything to chance (e.g. It’s only a week out of date) could have potentially catastrophic consequences, not only for yourself but for your whole family.

Travel Insurance

Going abroad, especially for the first time is a life changing experience, the expectation of a week in the sun or a few days on the slopes is what motivates people to withstand the 9 to 5 slog of the other 50 weeks in a year. To ensure your holiday is the relaxing and rewarding experience it should be there are a number of things to take into consideration before you leave for the airport. Of course provision for any pets must be made, water and electric turned off and perhaps just as importantly the house secured. A few simple common sense things must be adhered to, for example if a neighbour has been assigned to care of a family pet the key should not be left in an obvious place where someone could randomly stumble across it – this may appear obvious but there are many people who overlook these small but important details before embarking on their holidays, and a small percentage of these people will come home to an unwelcome surprise and to cap it off find out that they forgot to renew their home insurance, making their holiday the most expensive outing they have ever had. Always ensure your home and surrounding outhouses are properly secured and fit good quality locks wherever possible. Conversely, people can ensure that their home is secured but in the excitement forget or overlook the small detail of travel insurance, this only really comes to light if something is stolen or someone has an accident but by this time it is usually too late. If necessary make up a checklist categorised into levels of importance, holiday and home cover should be near, if not at the top of these lists. To conclude, peace of mind is everything and if you are sufficiently covered in the event of an accident, theft or disaster you can relax. Although accidents and break ins are rare, if you ask any person who has experienced them you can be assured that the experience and memories will live with them for a long time and if not covered they will deeply regret not getting adequate or just not getting home insurance, it is not a risk worth taking. Please take your time to browse our website and if you have any questions please do not hesitate to contact us, it could be the best decision you make.