Preparing for winter

Winter fast approaches and with forecasters predicting that El Nino will give us a harsher than usual winter it is advised that you protect your home against the below zero chill. As the effects of the winter climate may impact your personal insurances here are some simple ways to help defend your home from the arctic elements.

The obvious consideration is in respect of a freeze up causing bursting of pipes and storage tanks. The consequences of such are covered by the standard household insurance policy.  Many insurers will also include the cost of tracing and repairing a leakage, but generally the plumbing repairs are not insured, only the consequences.

You may be considering a winter holiday, your policy will continue to provide cover so long as the unoccupancy of your home is less than 30 days. Check your policy wording, as insurers vary in the number of days of continuous unoccupancy they will allow.

We are quite mindful that there is a multitude of things that can go wrong over the winter months so as your broker we are delighted to give you access to our Home Emergency Insurance Policy. The last thing you need to deal with on an icy cold night is burst pipes, loss of heating, a broken window, a blocked toilet or suddenly finding yourself locked out on the doorstep in icy rain! With the Home Emergency Policy you can call for assistance at any time of the day or night, 365 days a year and there is no limit to the number of times you can call. We want you to have the peace of mind of knowing you are well looked after during the winter so let us know if you’d like to learn more about this policy.

Finally, a word of warning. It is tempting on these icy mornings to start the car to warm it up before our journey. This will help with the de-icing process. Often we do this and go in doors for a few moments, leaving the car unattended. It is a condition of most motor policies that a car left unattended with the keys left in or on the car is not, at that moment, insured for theft. Our innocent actions to ensure comfort levels for our journey will, therefore, be severely penalised in the event our car is stolen.

This exclusion also applies at the filling station. If we leave our keys in the car whilst we pay for petrol the theft cover will be invalidated. How often have we all done that or warmed the car up on a cold day! My advice to you is that you either stay with your car or hang on to your keys.

Remember to keep safe, warm and well covered this winter!

Invicta House, Amherst Hill, Riverhead, Sevenoaks, Kent, TN13 2EL
Tel: 01732 471950 Email: info@invictainsuranceservices.co.uk
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