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Don’t over pay for your
4. Be careful what you claim for
Depending on your policy it may not always
be worth claiming for smaller items, particularly if you have big
excess or a good no claims bonus to protect. Before making a
claim always work out the overall value of the claim.
If your annual home insurance costs
Â£400 with an excess of Â£100 and you have a claim worth Â£150, after
deducting your excess you will only be due Â£50; if by making
this claim you lose 10% no claims bonus (i.e. Â£40 per annum) is it
actually worth making a claim at all?
5. Invest in home security measures
There are a number of investments you can
make into your property that many insurers will consider when giving
you a quote.
Installing security alarms, shutters and
double glazing can all help bring your insurance costs down.
Although the initial costs can be off putting if viewed as a long
term investment you will often find that these security measures pay
for themselves with the savings you make in other areas, (not just
insurance costs but the insulating effect of these measures can also
reduce your fuel bill): this also helps to make you feel safer.