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"Insurance" Article "Forsikring" artikel
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Insurance Forsikring

Protect Against DIY Disasters Beskyttelse mod DIY katastrofer By Expert Author: Carole Bayliss Ved ekspert Forfatter: Carole Bayliss
View Summary \| Submitted: 2008-05-07 \| Word Count: 505 words \| Views: 389 view(s) Vis Resumé \| Forelagt: 2008-05-07 \| Ordoptælling: 505 ord \| Views: 389 se (s)

According to a survey of 2,000 households carried out by Allianz Insurance, 16% have damaged their homers or their property while attempting to make improvements. Ifølge en undersøgelse fra 2000 husstande, der udføres af Allianz Forsikring, 16% har skadet deres homers eller deres ejendom under forsøget på at foretage forbedringer. 20% also admitted to injuring either themselves, or someone else, while carrying out DIY. 20% også optaget til skade enten selv eller en anden, mens de udførte DIY. This is supported by figures from the Society for the Prevention of Accidents, which estimate 200,000 DIY enthusiasts turn up at hospital each year. Dette underbygges af tal fra Society for forebyggelse af ulykker, som skøn 200.000 DIY entusiaster dukker op på hospitalet hvert år. Interestingly the survey revealed householders in the north east of England have the most DIY disasters, while people in the south east are least likely to have a mishap. Interessant undersøgelsen viste Husstandene i den nordøstlige del af England har de mest DIY katastrofer, mens folk i den sydøstlige del er mindst tilbøjelige til at have et uheld.

One of the main problems, according to Halifax Home Insurance, is that many people don’t know what they are doing. En af de største problemer, ifølge Halifax Home Insurance, er, at mange mennesker ikke ved, hvad de gør. Research conducted by the company found that two thirds of men admit they only do DIY due to pressure from their partners or a sense of duty. Forskning, som udføres af selskabet fandt, at to tredjedele af mændene indrømmer, at de kun gøre DIY grund af pres fra deres partnere eller en følelse af pligt. Contrary to popular belief, men are not natural ‘DIYers’. I modsætning til den gængse tro, mænd er ikke naturlig "DIYers'. Despite this many may be planning to attempt ambitious and potentially dangerous home improvement projects this Easter involving building, gas or electrical works. Trods dette mange kan være planer om at forsøge ambitiøse og potentielt farlige hjem forbedring projekter denne påske involverer bygning, gas eller el-værker. Halifax figures show that over a quarter of men have attempted electrical wiring at home, while almost a quarter of men have attempted to fit an entire new kitchen. Halifax tal viser, at over en fjerdedel af mændene har forsøgt elektriske ledninger i hjemmet, mens næsten en fjerdedel af mænd har forsøgt at passe et helt nyt køkken.

Without the proper qualifications or experience these people risk invalidating their home insurance policies if things go wrong. Med den rette kvalifikationer eller erfaring disse mennesker risikerer at gendrive deres hjem forsikringspolicer, hvis noget går galt. "TV home makeover shows make it all appear so simple, and it's easy to forget that these are highly skilled professionals. In reality, trying to tackle certain areas you are not qualified for, such as electrics or plumbing, could invalidate your home insurance policy, leaving you liable for any subsequent damage. We'd recommend using a reputable tradesman rather than going it alone,” explains Halifax Senior Claims Manager Martyn Foulds. "TV hjem Makeover viser, at alle synes så enkelt, og det er nemt at glemme, at disse er højt uddannede fagfolk. I virkeligheden forsøger at løse visse områder du ikke er kvalificeret til, såsom Electrics eller sanitet, kunne afkræfte din indboforsikring , Forlader du hæfter for eventuelle senere skader. Vi vil anbefale at bruge en agtet håndværker snarere end at gå enegang, "forklarer Halifax Senior Tilgodehavender Manager Martyn Foulds.

Allianz Insurance figures reveal that 55% of those surveyed claimed to have started a DIY job without the correct tools and almost 50% said they had started a DIY job without really knowing how to do it. Allianz Forsikring tal viser, at 55% af de adspurgte hævdede at have startet en DIY job uden den rigtige værktøjer og næsten 50% sagde, at de havde indledt en DIY job uden helt at vide, hvordan det skal gøres.

“Thankfully people can add accidental damage cover to their buildings and contents insurance to cover them for paint spilt on carpets or hammering a nail into a pipe,” says Simon Coughlin, spokesperson for Allianz Insurance. "Heldigvis kan man tilføje hændelig skade dækning til deres bygninger og indhold forsikring til at dække dem til maling spildt på tæpper eller der slås et søm i et rør," siger Simon Coughlin, talsmand for Allianz Forsikring.

Accidental breakage to some parts of the home such as sinks, baths, ceramic hobs and fixed glass in doors is included in most buildings insurance policies. Utilsigtet brud på nogle dele af hjemmet såsom dræn, badekar, keramiske kogeplader og faste glas i dørene er inkluderet i de fleste bygninger forsikringsaftaler. However householders many need additional accidental damage cover to protect against common DIY disasters, such as drilling through water pipes, spilling paint on carpets or putting feet through ceilings. Men mange husejere har brug for yderligere skade dækning for at beskytte mod fælles DIY katastrofer, såsom boring gennem vandrør, der breder sig ud maling på tæpper eller sætte fødderne gennem lofter.

So before you get bitten by the DIY bug this weekend make sure your policy covers all eventualities, otherwise it could prove to be a very expensive weekend. Så før du får bidt af DIY fejl i denne weekend at sikre Deres politik dækker alle eventualiteter, der ellers kunne vise sig at være en meget dyr weekend. “We suggest DIY enthusiasts should check to see if their insurance policy covers them for accidental damage in case the job goes horribly wrong,” says Simon Coughlin. "Vi foreslår DIY entusiaster bør kontrollere, om deres forsikringspolice dækker dem for hændelig skade, hvis job går grueligt galt," siger Simon Coughlin. “The average cost of a claim for DIY related damage is £600 and our claims staff expect to be busier than usual following a Bank Holiday weekend.” And, if in doubt, get an expert in to do the job! "Den gennemsnitlige udgift for en anprisning for DIY relaterede skader er £ 600 og vores krav personale forvente at blive mere travle end sædvanligt efter en Bank Holiday weekend." Og hvis i tvivl, kan få en ekspert i at gøre arbejdet!

About the Author/Author Bio Om Forfatter / Author Bio

Carole is an author of several articles pertaining to Mortgages, Home Insurance , Loans, Debts, Credits, Van Insurance, Life Insurance, Health Insurance, Bike Insurance, Car Insurance and other Business and Finance articles. Carole er forfatter til adskillige artikler vedrørende realkreditlån, Home Insurance, lån, gæld, Credits, Van forsikringsvirksomhed, livsforsikring, sygeforsikring, Bike Forsikring, bilforsikring og andre Business and Finance artikler.

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Get Rid Of Mortgage Insurance Slippe af Mortgage Insurance

Mortgage insurance can really be costly. Mortgage forsikring virkelig kan være dyrt. Every month when you see the description of your mortgage installment it may surprise you that a big proportion of the payment is actually taxes, fees and insurance. Hver måned, når du kan se beskrivelsen af din pant afbetaling kan det overraske dig, at en stor andel af betalingen er faktisk skatter, afgifter og forsikring. It is possible, however, to eliminate the need for mortgage insurance provided that you meet certain requirements. Det er dog muligt, at fjerne behovet for realkreditlån forsikring forudsat at du opfylder visse krav.

Insurance for a Collection Forsikring for en Collection

One only has to watch an episode of the BBC's Antique Roadshow to learn that the British are a nation of collectors and that we are fascinated by unusual artefacts as well as the more traditional art and antique furniture. Man behøver blot at se en episode af BBC's Antik Roadshow at lære, at briterne er en nation af samlere, og at vi er fascineret af usædvanlige kulturgenstande samt de mere traditionelle kunst og antikke møbler. The most enjoyable part of my job is speaking with potential clients and learning what their particular passion is. Den mest underholdende del af mit job er at tale med potentielle kunder og læring, hvad deres særlige passion er. I do not always have an in depth knowledge about their particular penchant but their enthusiasm is often infectious and I invariable learn something new. Jeg har ikke altid en grundig viden om deres særlige tendens, men deres entusiasme er ofte smitsomme og jeg altid lære noget nyt.

Listed Buildings Opført Bygninger

There are around 500,000 listed buildings in the UK of which approximately 90 per cent are allocated the Grade II listing by English Heritage. Der er omkring 500.000 opført bygninger i UK, hvoraf cirka 90 procent er tildelt den Grad II notering af den engelske kulturarv. The Grade II listing is normally allocated because the building is in some way of architectural or cultural interest. Den Grade II notering er normalt tildelt, fordi bygningen er på en eller anden måde af arkitektonisk eller kulturel interesse. Sometimes the whole building is listed but often in it is just a particular feature or even an outbuilding such as a barn. Sommetider hele bygningen er noteret men ofte er det blot er en særlig funktion eller endda en m² som en stald.

Photographs for Insurance Purposes Fotografier til forsikringsformål

If you own items of fine art, antique furniture, clocks, any type of collection, jewellery or watches you are best advised to consider insuring them with a specialist High Net Worth Insurer. Hvis du ejer elementer af fine kunst, antikviteter, møbler, ure, enhver form for indsamling, smykker og ure, du er bedst rådes til at overveje at forsikre dem med en specialist High Net Worth forsikringsselskab. The mainstream insurance policies often have restrictive for the values of such items that you can cover and you may find the cover is not as wide as you would like. Mainstream forsikringspolicer har ofte begrænsende for de værdier af sådanne elementer, som du kan dække, og du kan finde coveret er ikke så lang som du ønsker.

Art and Antiques Insurance Kunst og antikviteter forsikring

Most home policies will insure your precious objects like art or antiques under the contents section of the policy. De fleste hjem politikker vil forsikre din kostbare genstande som kunst og antikviteter under indholdet del af politik. But if you possess a valuable painting, item or collection, it’s worth checking to see whether this cover really meets your needs fully. Men hvis du er i besiddelse et værdifuldt maleri, et element eller samling, er det værd at kontrollere at se, om denne dækning virkelig opfylder dine behov fuldt ud. You may get a better deal by switching to an insurance provider who understands art and antiques insurance better. Du kan få mere for pengene ved at skifte til et forsikringsselskab tjenesteyderen der forstår kunsten og antikviteter forsikring bedre.

How To Protect Your High Value Jewellery Or Watch Hvordan du beskytter din høj værdi smykker eller Watch

One of the most common reasons our clients approach us is that they own, or have recently purchased a single item of high value jewellery. En af de mest almindelige årsager til vores kunder henvender sig til os er, at de ejer, eller for nylig har købt et enkelt element af høj værdi smykker. This is often a high value ring or high value watch. Dette er ofte en høj værdi ring eller høj værdi se. When they approach their existing insurer to add it to their existing policy they are told they cannot. Når de tilgang deres nuværende forsikringsselskab for at føje den til deres eksisterende politik, de får at vide, de ikke kan. Many well known insurers that deal directly with the public, and advertise extensively on television and in newspapers, have a single article limit as low as GBP 1,500. Mange kendte forsikringsselskaber, der beskæftiger sig direkte med offentligheden, og annoncere i udstrakt grad på tv og i aviser, har en enkelt artikel grænse så lavt som GBP 1500.

Tackle Your Claim: Your Insurance Company Wants To Keep Your Money, You Can Fight Back Tackle din påstand: Dit forsikringsselskab ønsker at beholde dine penge, kan du kampen tilbage

Insurance companies routinely enhance their profitability by utilizing tactics designed to minimize or deny the payout on your claim. Forsikringsselskaber rutinemæssigt forbedre deres rentabilitet ved hjælp af taktik designet til at minimere eller nægte udbetaling på din påstand. You must arm yourself with knowledge of your rights, recognition of the tactics used against you, and your refusal to accept that the insurance company holds all the power. Du skal arm dig selv med viden om dine rettigheder, anerkendelse af de taktikker brugt imod Dem, og Deres afvisning af at acceptere, at forsikringsselskabet besidder alle de magt.

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