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We all have precious items that we hold near and dear to our hearts. For my wife it's her jewellery and a photo of her puppy. For me it's my golf clubs and (in case my wife reads this) my wedding ring also.

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Insurance customers are often unaware of what their own vehicle policy covers them for when it comes to car hire insurance. I've reviewed a range of policy offerings and car hire insurance agreements. How do you stand?

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The Carriage of Goods Act was amended in June 2014. It's a good time to take a look at the Act and check that you're covered when you use a furniture removals company, send items by courier or local cargo.

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Never Admit Liability

If you've caused an accident or damaged someone's property you may feel morally obligated to fix things. But a word of advice... don't. Let the insurance companies decide who is legally liable.

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Do I need to tell the insurance company I have had a conviction? Convictions are considered a material fact. If your insurance company is not made aware of a material fact they may be able to decline a claim or even cancel your policy.

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Taking your jewellery on holiday

Going away on a luxurious holiday and have packed up all your bling?Make sure you have itemized your jewellery on your travel insurance AND have current, up-to-date valuations, as these would be needed at claim time.

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As a proud nation of DIY handy men and women we like to upgrade, replace, repair and change our most prized of possessions - our homes. If you've done the hard work, remember to increase your sum insured or you may end up paying for those improvements twice.

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Refund my excess now!

'Why didn’t my insurer waive my excess when the accident was not my fault?' Isn’t it frustrating when you have a claim where someone else has caused the accident and you are still being asked to pay the excess!Here is what you need to do at the scene of an accident to try and make sure you don't end up wearing the cost.

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10 Tips for Before You Have a Claim

Claiming can be a stressful time. Here are 10 TIPS for before an event occurs that will help with your home, contents and car claims.

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Insurance - What is the purpose?

Too often we blindly trust, judge, make decisions and buy insurance without thinking about what we actually want. Your reasons for getting insurance in the first place will determine which policy will be best for you. It’s time to start thinking about why we actually get insurance in the first place.

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