family home insurance. home insurance owner shop. home insurance benefits.

family home insurance. home insurance owner shop. home insurance benefits.
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Grandad missed out
Results were weighted to be representative of the UK population. The research also reveals that traditional gifts appear to be making a comeback. There are 11,646,000 children under 16 in the UK (ONS 2004). “Christmas 2005 looks set to be one of the biggest ever with the average British household spending £540 on presents - some lucky relatives are set to do particularly well, especially our children. family home insurance. home insurance owner shop. home insurance benefits. Read more...

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Lost Fortune
Five percent admitted they are most likely to lose money in the back of a cab. Clothes’ pockets (25%) 3. Calculation based on number of UK adults:. family home insurance. home insurance owner shop. home insurance benefits. Read more..




Cost Of Running Home


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Cost of running home

COST OF RUNNING A HOME RISES TO £10,048 A YEAR. Sainsbury’s Bank produces a FREE guide on how to reduce the costs associated with running a home Sainsbury’s new improved home insurance offers more cover and savings of up to £155 (2) Based on an analysis of industry data, Sainsbury’s home insurance estimates that the annual cost of running a home is now around £10,048(1).  This is as much as £1,389 or 16% higher than the equivalent cost in 2003/04.  However, the bank, which recently launched its new and improved home insurance product with a range of additional benefits, says that homeowners could dramatically reduce this cost if they were prepared to shop around for more competitive rates on their home insurance, mortgages and gas and electricity supplies.


Following The Carlisle Floods
If your home or business is flooded, contact your insurance company as soon as possible. Follow advice, such as evacuation notifications and procedures, given by the Environment Agency (EA) in England, Scottish Environment Protection Agency (SEPA) in Scotland or your local council. Have sandbags - your local council may be able to provide these - and boards ready to block doors, etc - do this in good time! family home insurance. home insurance owner shop. home insurance benefits. Read more...

Sainsbury’s home insurance has added a range of new benefits and can save customers up to £155 on their existing premiums(2).  Its new features include specified items cover for higher value belongings, insurance cover for properties with up to eight bedrooms, cover for properties built before 1850, cover for student belongings as well as a new Landlord policy for those with buy-to-let properties. Karen Preston, home insurance manager at Sainsbury’s Bank said: “The costs involved in running a home are rising. This makes it all the more important for homeowners to shop around in order to make sure they are getting the very best deals available, not just on home insurance but the collective running costs, everything from your mortgage to gas supply.

family home insurance. home insurance owner shop. home insurance benefits.

“We’ve produced a free guide available at www.sainsburysbank.co.uk/homeguide which looks at how homeowners may be able to reduce the cost of running their home.” Area of cost (1) 2003/04 (estimated costs) 2006 (estimated costs) Mortgage £5,054(3) £5,928(3) Alterations and improvements £1,185(3) £1,257(3) Council tax £908(4) £1,056(4) Gas £329(5) £522(5) Maintenance and repairs £427(3) £393(3) Electricity £256(5) £338(5) Water and sewerage £250(6) £294(6) Home insurance £250(3) £260(3) Total £8,659 £10,048 Mortgage repayments account for around 59% of the total annual costs of running a home, followed by the money spent on alterations and improvements, which accounts for nearly 13% of the cost(1).  By the end of this year, the average annual gas and electricity bill could have increased by £275 when compared to January 2004, but this could be less if people shop around.  Indeed, the energy regulator Ofgem estimates that over 10 million domestic customers are losing out on over £1 billion by not switching suppliers(8).


Joy unluckiest person.
Although there does not seem to be commonality between these claiming names, leading psychotherapist and life coach, Christine Webber, believes that psychology has a part to play. In fact women dominate the mishap charts, with Diana and Tracey also suffering more claims than most. family home insurance. home insurance owner shop. home insurance benefits. Read more...


As well as being competitive on price, the bank also offers an extensive range of cover and benefits, which it has recently enhanced.   Additional features now include: ·         A new specified items cover for all higher value belongings – up to £15,000 ·         Cover for student belongings – up to £5,000 ·         Increased personal belongings – up to £10,000 ·         Increased money/credit-cards in the home limits ·         New separate policy for homeowners with buy-to-let properties The bank provides a range of discounts: ·         No claims discount – up to 40% if protected(7) ·         Buying online – additional 10% ·         Buying combined buildings and contents cover – additional 5% ·         Security-related discounts – various; depending on windows/locks, alarms and neighbourhood watch areas. To find out more about Sainsbury’s Bank Home Insurance, call 0800 731 7978 or log onto www.sainsburysbank.co.uk

Wasting money
“Taste is a subjective thing, but our research does show that certain home improvements have a detrimental effect on property values. Today’s homeowners are still paying the price for design fads from previous decades, with pebble-dash and stone-cladding both estimated to reduce the value of a property by up to 5 per cent.  Commenting on the findings, Direct Line Home Insurance Spokesperson Simon Ziviani said:. Calls may be recorded. family home insurance. home insurance owner shop. home insurance benefits. Read more..


family home insurance. home insurance owner shop. home insurance benefits.

UK garden lovers
Check your home insurance cover. We love all things garden and contrary to popular belief don't regret any of our novelty purchases - not even garden gnomes or trellis. Over a third of homeowners (37%) have added an outbuilding - such as a shed or garage - to their property in the last five years and in the last 12 months alone over 3.62 million new outbuildings, including 2.9 million sheds, have sprung up across the UK. family home insurance. home insurance owner shop. home insurance benefits. Read more...

trust abused.
However, in the unfortunate event that someone you trust does let you down by damaging your property or stealing from your home, it's vital that you have home insurance to cover the cost. Worryingly, one in seven people (14 per cent) who have given non-residents keys have found this trust abused. family home insurance. home insurance owner shop. home insurance benefits. Read more...

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