Things to keep in mind when you seek cover for your property
Evaluate your property insurance plan. Consider the add-ons you require when you seek insurance cover for your property. Check whether you really require accidental damage cover.
By not seeking accidental damage cover, you can reduce premiums by around 25 per cent. Instead you should take greater precautions to diffuse possible causes of fire. Most fires are caused by careless cooking or smoking. Do not leave cooking unattended. Keep matches away from children. Most insurers will generally find out if you are a smoker. This is because the fire risk is greater if you smoke. Never smoke in bed. Do not leave half-burnt cigarettes around.
Do not claim unless you really need to! The fewer the claims you make, the higher your ‘no claims’ discount. So for routine issues, which would be inexpensive for you to cover on your own, think again before making a claim.