don’t let burglars ruin Christmas

Don’t let burglars ruin Christmas

While some of us haven’t even thought about Christmas presents, others are all but the way. Storing valuable Christmas gifts in our homes which leads to temptation increases for burglars. So follow our top 10 safety tips this year.

1 - Always Secure and lock windows and doors, even if you are popping into the back garden or next door to your neighbours.

2 - Close all curtains when it’s dark

3 - Make sure your security lights are in working order (If you don’t have one then click here to find out how easy it is to install from just £13.49)

4 - Install a Burglar alarm, if you already have one, make sure it’s switched on

5 - Secure garages and sheds

6 - Keep keys away from doors or under the mats

7 - Don’t leave Christmas presents under the tree if full view of burglars who may be perring through windows.

8 -Don’t put empty boxes from Christmas presents or new purchases out until collection day, this is an indication to buglars what’s inside your home

9 - Postcode all items with a permanent pen or ultra-violet pen

10 - Make sure your home contents insurance is active and up to date (Ensure all of your personal details and circumstances are up to date). If you do not have contents insurance, you may be suprised to find out that you could protect your life belonging for much less than you thought, check out some great deals here.

Nationwide Home Insurance

• 30% discount on your buildings and contents insurance when you buy them together online *

• no extra charge for monthly payments

• up to £1,000 cover for contents in the garden

• Here are 10 great reasons why Nationwide Home Insurance is better than standard……

1. No extra charge for monthly payments - we won’t charge you for the convenience of paying in instalments

2. Temporary accommodation - if your home is damaged and you have to move out, we’ll put a roof over your head

3. Fridge / Freezer cover up to £500 - you won’t go hungry if you lose the contents of your fridge or freezer due to malfunction or power cut

4. Replacement locks and keys - you’re automatically covered for up to £500 for the cost of replacing locks and keys to your home

5. Increased cover for birthdays, weddings and religious festivals - we’ll increase your contents sum insured by 10% for the 30 days before and after the event - you’ve enough to worry about already!

6. MP3 Player & music downloads - other insurers will cover the cost of a replacement MP3 player, but we’ll even cover the music you’ve paid for and downloaded (subject to certain conditions). How’s that for music to your ears?

7. Cover on the move - moving home? Feeling stressed about the process. We can help reduce the burden - our policy automatically covers your belongings during the move

8. Student accommodation cover - if your son or daughter is away at college or university, our home insurance also covers their contents in student digs - one less cost to worry about

9. Cover for cash - it’s not just material goods that we cover, we also cover personal money kept in your home, up to the value of £500

10. 24-hour helplines - you’ll get access to our medical, legal, tax and counselling helplines 24hrs a day

 

Click here to get a competitive home insurance quote from Nationwide

Nemo Homeowner Loans

Nemo Secured Loans - Nemo aims to unravel the complications of personal finance and to find solutions that fit individual needs and lifestyles. If you’re a homeowner, you could borrow any amount from £10,000 to £100,000 and repay it over 5 to 25 years*

Please Click here to apply for Nemo secured loan today

nationwide home insurance

10 reasons for Nationwide home contents insurance

Here are 10 great reasons why Nationwide Home Insurance is better than standard…… •No extra charge for monthly payments - we won’t charge you for the convenience of paying in instalments •Temporary accommodation - if your home is damaged and you have to move out, we’ll put a roof over your head •Fridge / Freezer cover up to £500 - you won’t go hungry if you lose the contents of your fridge or freezer due to malfunction or power cut •Replacement locks and keys - you’re automatically covered for up to £500 for the cost of replacing locks and keys to your home •Increased cover for birthdays, weddings and religious festivals - we’ll increase your contents sum insured by 10% for the 30 days before and after the event - you’ve enough to worry about already! •MP3 Player & music downloads - other insurers will cover the cost of a replacement MP3 player, but we’ll even cover the music you’ve paid for and downloaded (subject to certain conditions). How’s that for music to your ears? •Cover on the move - moving home? Feeling stressed about the process.

Home Insurance Quote

Nationwide help reduce the burden

We can help reduce the burden - our policy automatically covers your belongings during the move •Student accommodation cover - if your son or daughter is away at college or university, our home insurance also covers their contents in student digs - one less cost to worry about •Cover for cash -

Quick home insurance quote

Nationwide home contents and buildings insurance, more than material goods…

it’s not just material goods that we cover, we also cover personal money kept in your home, up to the value of £500 •24-hour helplines - you’ll get access to our medical, legal, tax and counselling helplines 24hrs a day

For the chance to save 30% when you purchase both Home Contents and Buildings Insurance, please click here

equity release

Equity Release. Is it right for you?
If you’re over 55 years of age then releasing the cash tied up in your home may be one of the options open to you. It has helped many people to enjoy a more comfortable retirement.

Equity release let’s you stay in your home for as long as you wish, and you can spend the money however you like. It could provide some welcome extra income in your retirement, maybe to repair your home, or simply to treat yourself occasionally. It’s completely up to you.

So should you choose equity release? That’s a decision only you can make; but we can help you make it by giving you the facts right from the start. When considering equity release, it’s important to get advice that takes your individual circumstances into account – that’s why we always arrange for one of our team to come out and visit you if you want to know more about the products.

Our experienced advisers will sit down with you, listen to what you want from retirement and take you through the options Norwich Union can offer. This way, you’ll get a much clearer idea of what equity release is. This equity release product is a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration.

9 out of 10 of our equity release customers would recommend us to family and friends, so why not talk things through with us? To ensure that you understand the effect equity release may have on your finances, we’ll discuss the effect of house price growth and show you how receiving money from your home’s equity will reduce the inheritance you leave and may alter the tax you pay and any benefits you receive. Please note, we can only offer advice on products sold and marketed by Norwich Union.

Additionally, we are also a member of SHIP (Safe Home Income Plans) a company dedicated to promoting safe equity release plans and providing valuable protection to customers.

If you’d like to find out more about equity release, why not request our new information pack. It includes a DVD film “An introduction to Norwich Union Equity Release” featuring customers who are already enjoying the benefits of releasing cash from their homes, without having to move. The pack also includes a guide called “Equity Release. What is it, how it works and how it could benefit you” which you may also find useful. It’s free of charge, so visit www.norwichunion.com/equity-release to claim your free copy.

Equity release might be right for you, or it might not be. Either way, it makes sense to talk to us; we’ll make sure you’re given all the information you need to make a fully informed decision.

Co-operative insurance

Co-operative Insurance is the only provider in the UK with a customer-led Ethical Engagement Policy, reflecting our customers’ views on a range of ethical issues from human rights to the environment and animal welfare. With Co-operative insurance customers get more than they expect, for less – that’s because what many insurers charge you extra for, Co-operative include as standard.

Co-operative home insurance

Only home insurance provider in the Uk with a customer-led Ethical Engagement Policy •  For customers the Co-operative home insurance policy includes a 10% discount if they purchase online. Home Insurance can be complicated so the Co-operative have made it simple, does any other insurer offer a customer all this? • up to £500,000 rebuilding costs cover as standard under Buildings 7.5% discount when Buildings and Contents are bought together • Seperate generous No Claim Discount scales of up to 40% for buildings and contents plus the option to protect once the full entitlement has been earned • HomeResue Plus for just 12p for the first year • Pay monthly by Direct Debit or annually by debit/credit card • Free Legal Expenses Insurance, up to £50,000 • Free Legal Advice Helpline • Free HomeRescue Emergency Helpline • Free Pre-Travel Advice and Emergency Travel Assistance Helplines (with the Travel option only). • Terms and conditions apply. Applicants for insurance are subject to normal underwriting criteria. CIS General Insurance Ltd. Registered in England 29999R. Miller Street, Manchester, England.

asda home insurance

Asda home insurance quote 

92% of customers could SAVE with ASDA Home Insurance, according to independent research. This means that nearly every customer gets a lower quote on their buildings and contents insurance. Find out if you’re one of them. We search a panel of leading insurers on your behalf to save you the time and trouble ringing around for quotes. To help everyone get the right deal, our panel specialise in different areas, like cover for flats and apartments or older properties.

What’s more, ASDA Home insurance gives you cover you can rely on. It’s only when you make a claim that you discover how good your cover really is. And we’ve made sure you’ll not be let down. Your claim will be dealt with quickly, normally with just one call - even if that’s at 2am! And we make sure damage is repaired and your belongings replaced with minimum fuss and interruption.

It only takes a few minutes to get your quote online and it could save you money!

Prudential home insurance

Prudential Home Insurance Description: Established in 1848, today Prudential plc is a leading international financial services company with some 21 million customers, policy holders and unit holders and some 23,000 employees worldwide. About Prudential Home Insurance Up to 30% No Claims Discount Buildings cover available up to £400,000 - subject to criteria Contents automatically covered up to £40,000 - higher levels considered if required 15% combined discount if you purchase Buildings and Contents insurance together 24 hour Home Emergencies Helpline if you need assistance from a professional fast Up to £250 Home Emergency Assistance as standard, including call out, parts and labour, without loss of No Claims Discount Automatic access to their Identity Theft Assistance Service £25 mortgage lender’s switchers fee refund UK call centres

Legal and general home insurance

  The Legal & General Group is one of the UK’s leading financial services companies Key benefits of Legal & General Home Insurance:

• 15% online discount
• Up to 20% no claims discount
• 10% discount if buildings and contents cover are taken together
• Discounts for voluntary excesses
• Payment Protection included as standard
• Option to include Family Legal Protection

Buildings

• Buildings cover without the need for a rebuilding cost – blanket cover up to £500,000
• Home Emergency Cover
• Trace and Access cover up to £5,000
• Option to include extended accidental damage cover

Contents

• Range of bedroom rated home contents options £40,000, £50,000, £60,000 for flexibility and peace of mind
• £5,000 credit card cover to protect against fraudulent use
• Option to include extended accidental damage and personal possessions cover

changing your utility supplier

 Changing your Utility Supplier - Cheaper Gas - Cheaper Electricity 

There are two ways to cut energy costs; use less and pay less for what you use.

When you switch, only the price really changes

The pipes, circuits and wires, safety coverage and gas and electricity flowing through the house are all the same. Only customer service, billing and, most importantly, prices change; the new supplier performs the switch; all you do is take a meter reading.

The savings also depend on how you choose to pay:

 Direct Debit is cheaper.

Fixed monthly direct debit payments (where you pay a fixed estimate each month) save you up to 10% as companies are sure you won’t default, and they earn interest on any overpayments (which should be refunded at the end of the year). Yet if you pay by variable Direct Debit, always ensure you call in a meter reading after a bill, don’t rely on their estimates.

 Dual Fuel isn’t always cheaper.

Logically dual fuel (gas and electricity from the same supplier) should be cheaper and it often is, yet not always. During your comparison, also compare the cost of the cheapest dual fuel supplier with separate cheap gas and cheap electricity suppliers. 

Even if you’re on a prepayment meter you can switch and save.

Those who have prepayment meters can still switch and save, the comparison services allow you to see who offers the cheapest prepayment charges. Yet if you can switch away from a meter (it’ll often be credit scored) do so, as that’s much cheaper.

So how do you Compare?

We could list every Utility supplier here in a long list, not only would you suffer from such a list, the truth is, you just wouldn’t bother. Uswitch offer a service which allows you to compare prices from Utility companies at a few clicks of a button. It’s fast, easy and could save you £££s.

 Looking to Compare Business Utility bills? Click here for more details

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