The latest news from West Craven

Welcome to the West Craven Insurance December Newsletter. This month we provide some helpful advice to keep you updated with the latest industry changes. 

 

Following the recent announcement, whereby 'work from home' guidance is being enforced, it is likely many employees will be making the move from commuting, to remote working. Here's how cyber security can be maintained, with mass amounts of staff members working remotely. 

 

The winter weather is officially upon us, and the last thing on our agenda is a breakdown! Consider this your key checklist to prepare you for any driving situation this winter!

 

As snow settles and frosty mornings are more frequent, heating your home is becoming a necessity. However, is your boiler up to the work? Prepare and protect your system to avoid expensive costs. 

 

Finally, you may be considering moving in the New Year, and with all the excitement of your house move and Christmas, some things may be missed. We have a list of essential considerations to bear in mind when you are moving!

 

We hope you enjoy this months edition!

‘Inexpensive’ ways to protect your home as winter approaches

HEATING your home in the winter is a necessity for most Britons as temperatures are predicted to plummet over the next few weeks. But is your boiler up to it? Here's how to prepare and protect your system and avoid costly repair jobs.

Click here to read ‘Inexpensive’ ways to protect your home as winter approaches.

‘Inexpensive’ ways to protect your home as winter approaches

HEATING your home in the winter is a necessity for most Britons as temperatures are predicted to plummet over the next few weeks. But is your boiler up to it? Here's how to prepare and protect your system and avoid costly repair jobs.

Click here to read ‘Inexpensive’ ways to protect your home as winter approaches.

Adapting Cyber Security Practices For Working Remotely

Even as the pandemic begins to die down, more companies are allowing staff to stay working remotely rather than bringing them back to the office. But with more people working remotely, the risks of cybercrime attacks increase and so does the need for better cyber security to handle new challenges.

Click here to read Adapting Cyber Security Practices For Working Remotely.

Winter car checklist: driving kit and best buys

As the winter months set in, they bring their own driving-related challenges. Darkness, poor visibility, and ice and snow are just some of the potential hazards that have to be overcome on UK roads in the winter. 

We’ve prepared a list of essential winter driving items that will help you cope with on-the-road hassles or,  prevent them from happening in the first place.

Click here to read Winter car checklist: driving kit and best buys.

Essential considerations to be aware of when moving home

 

Moving house is a very exciting milestone in your life and one that a lot of us consider with the approach of a new year.

 

However, in the excitement it can be very easy to overlook some of the more serious practicalities, such as ensuring adequate cover for your home and contents during the move and in the immediate days or weeks following.

 

Here are the essential considerations for you to be aware of:

   

Almost four million items are lost, damaged or stolen during house moves each year.*

 

Moving house is already very costly, so it's crucial you're not having to replace or repair any possessions using your own funds, which could have been better spent elsewhere.

 

Even before you've made your new place a home, you need to be speaking to your insurance broker to protect your belongings in transit, and to make sure a new policy will cover you from the first day in the new property.

 

Many people make the mistake of searching themselves, which can often mean they undervalue or overvalue the total worth of their contents, or that they're tempted by a cheaper deal that offers unacceptable cover.

 

This is especially important after the Christmas period, where expensive gifts such as electronics or jewellery will often be forgotten in the estimations.

 

It's also a good idea to make an inventory, as this will prevent you from losing sight of missing pieces of furniture.

  

Make sure you are covered against all risk types that are appropriate

 

In a lot of cases, policies will exclude certain types of damage, such as pet damage or theft from outbuildings.

 

With the change in season, there is an increased possibility of water damage, and in some areas, floods.

 

Accidental damage cases have also risen since the rise in Brits working from home, with the most common claims being for computers. 

 

When talking with your broker, it's advisable to ask questions and make sure you're clear on the exact wording of your policy, so that you're informed on what you're entitled to, should you need to make a claim.

 

Here are some problems commonly excluded from policies:

 

- Accidental damage (DIY disasters)

 

- Damage caused by failing to maintain your home structurally

 

- Home emergency services (a plumber for a leaking shower)

 

- Personal possessions that are taken outside of the home

  

If you are in the process of moving or would like to have an existing policy reassessed, contact us today.

 

*Property Reporter

 

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