Going Away For Christmas? Check Your Insurance Policy

If you are thinking of going away for a long period of time over the Christmas and New Year break then you might want to check your property insurance. Some insurers only cover you for a set period of time and will require you to opt for unoccupied property insurance to cover the period you are away. Unoccupied property insurance covers you against theft and malicious damage and also for flooding or fire whilst the property is empty. Some make the mistake for not having unoccupied property insurance and only realise after the damage is already done. It is normal to think that you will only be away for a while, what could possibly go wrong? However it is better to be safe otherwise all that effort and money spent on your property will go down the drain. There are a number of risks for not having this type of insurance. These are outlined below.

Let's first look at the risk of theft. Thieves are opportunists and the Christmas period is one of the busiest for these criminals. They know that houses are most likely to have presents and expensive items available ready for the taking. Whether you're away for two weeks or two months you should always ensure your home insurance is covering you during that time. Inadequate home insurance will invalidate any claim you put through. Find out more about unoccupied property insurance and whether you need to arrange additional cover.

During the winter months your home is at more risk of flooding due to burst and frozen pipes. Burst pipes are a huge cause of major flooding in the UK and it's best to ensure your home is protected against this kind of damage too. Imagine coming home to a home 3 foot deep in water and all of your furniture, flooring and possessions destroyed. Lagging pipes and ensuring adequate insulation in your loft can help to prevent this type of devastation. Unoccupied property insurance gives you total peace of mind that your property is protected.

If you are planning a Christmas or New Year break and you want to find out more about unoccupied property insurance there are many companies offering this type of service. They will be able to give you expert advice on the level of require best suited to your needs and give you a cost effective quote over the phone.

Don't ruin your Christmas by not arranging adequate cover. You can arrange temporary cover whilst you are away and won't ever have the worry of an invalidated insurance claim should the unthinkable occur.

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Phone Insurance - What You Need To Know About Claiming A Policy

So, you have iPhone insurance and sadly, you have to claim it. What do you need to do? There are a few steps you need to take in order to receive your new iPhone or to have it repaired, where needed. While some people say that this process is very troublesome, others say that it is not. But in general, the claiming procedure is the same with any iPhone insurance, you might just have good or bad luck. So let us get down to business.

In case your phone was stolen, you must first report it to the police. After that, make sure you notify your service provider so that they can block the phone. After that, you call the insurance company and they will most likely send you a form via e-mail. You will be asked to fill out the form and also give them the report from the police so that they will know for sure it was stolen.

Note:

Most, if not all, insurance policies for iPhones do not cover unattended theft. So if your phone was stolen while you were out and left it somewhere, they will not fulfill the claim. Other scenarios are usually covered though.

If you phone suffered accidental damage, including water damage with some companies, you will do the same. Call the insurance company and fill out a form. An insurer will then have a look at the phone and will decide whether it can be repaired or needs to be replaced.

In case you just lost your phone, then you call the insurance firm and do the same thing. They will send you a form via e-mail which you will have to send back via a fax. It usually takes around 48 hours for a claim to be processed, so brace yourself.

There are, and will always be, scenarios where all sorts of troubles appear. For instance, the fax you are sending the claim form to doesn't work. Or the company tries to delay the process for as long as they can. There are also cases where the insurance company will try and give you a different handset than your iPhone.

Make sure that you read the iPhone insurance well before agreeing to it and make sure that the insurer is obligated to replace any fatally broken phone with an equal one, make and model. That way you can avoid cases like that.

I'm not saying that it will be difficult every time, you might be lucky and be done with it really soon. As a word of caution, don't try to scam the insurance company to get a new phone. They can tell when you deliberately damaged your phone and they won't hesitate to refuse the claim. Hope this helped everyone understand how to claim an iPhone insurance policy.

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