subject: What To Look Out For When Purchasing A Cheap Contents Insurance Policy [print this page] Do you want to avoid the pitfalls of buying insurance? Do you know what to look out for with cheap contents insurance? Many people think they do but in reality would not have a clue where to start. It is because of this that many people actually do not bother to take it out at all. But as soon as something goes wrong or the house is burgled while they are away, they regret the day that they made this silly decision.
So, if you have decided to purchase contents insurance, then you need to be aware of a few facts and also some things to note which could ultimately save you a lot of time and money. What most people will need is to get the best cover possible at the lowest possible price.
Getting the cheapest contents insurance does not mean that you have to get a bad policy which does not cover anything properly. It would be better not to have any cover at all rather than pay for a policy for many years and then find your property is not protected. Getting a cheap policy can mean having something which provides good value for money.
To find the best policy, firstly, decide what you need to be covered. Most people will list things like valuable jewelry, soft furnishings and appliances. You may also have designer items like bags and shoes or clothes. As well as this, you may wish to include your electronics items such as camera, laptop and desktop computer.
With this inventory completed, the next task is to collect any receipts you may have for the items you intend to include in your policy. It is also a good idea to take photos of your items, especially jewelry and antique furniture. This helps greatly later on when you need to remember what things looked like before they were broken or even stolen. Don't forget that some things may already be covered in other ways. They may come with their own warranty against damage for example.
Certain features in your property will also bring the premiums down. For example, do you have a security system or an alarm on your house? Or do you live on a controlled estate? If you can prove that your contents are already quite safe and secure, then your contents insurance will cost less.
Also read the small print of each policy that you shortlist. Are contents still covered if they are in your car for example? This can be quite crucial, especially if you car is broken into and items are stolen. Are there any conditions which would void the contents insurance? It is very important to be aware of any restrictions your policy may have in case you need to claim for something and find you can't.
There can be nothing worse than thinking that you have adequate contents insurance for years and then suddenly finding out that you were not covered after all. It is perfectly reasonable these days to find a good, cheap policy which can do everything you want. There are price comparison websites and agents who can help you to get a really good deal.
by: Tim Johnson...
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