Following The Carlisle Floods

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Women spend three years shopping
"Shopping is the fun side of this. A survey released today by Churchill Home Insurance also revealed that aside from clothes, 44 per cent of women admit that shoes are their biggest weakness when they hit the shops, with 86 per cent of women saying they buy a least one new pair every month. Martin Scott, Head of Churchill Home Insurance said:. Churchill Insurance Company Limited. england home insurance. home insurance guide. home insurance owner purchase. Read more...

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The type of property they live in and the number of bedrooms it has. england home insurance. home insurance guide. home insurance owner purchase. Read more..

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Following The Carlisle Floods

england home insurance. home insurance guide. home insurance owner purchase.

Following The Carlisle Floods

03 January 2006MORE TH>N WARNS FURTHER ACTION IS NEEDED TO PREVENT SIMILAR INCIDENTSThe Great Floods of Carlisle in January 2005 were the worst on record for over 100 years.*Five million people are at risk of flooding in the UK, of which 1.5 million are at high risk from flooding.*Climate change could cause the number of people at high risk from flooding to rise from 1.5 million to 3.5 million.Average flood damage to properties from a significant flood event costs 30,000, according to MORE TH>N.It is one year on from the devastating floods in Carlisle (8/9 January 2005), which affected thousands of homeowners and businesses, many of whom are now re-building their lives back in their restored properties. These floods were the worst for a century and as concerns over climate change continue to grow, the issue of flooding needs to be tackled urgently in order to prevent future disasters of this scale.David Pitt, Head of Insurance at MORE TH>N, comments, "The government has made real progress in addressing the issue of flood protection in England and Wales by including plans to raise investment in recent spending reviews, and acknowledging the role of the Environment Agency in the planning process. However, we can't afford to stop now, particularly with the potential for climate change to affect weather patterns drastically and cause disaster for homeowners and businesses in the future.

Impressive growth
It's this commitment to our customers which is delivering competitive advantage and driving new business."Phil Loney adds, "We expect the softening personal insurance market to continue into 2006, and will maintain our focus on ensuring that new business acquired is profitable. england home insurance. home insurance guide. home insurance owner purchase. Read more...

It costs on average 30,000 after a significant flood event to get a home back to normal."The government has committed around 570 million for flood and coastal defences for 2006/7, yet climate change studies suggest that at least an extra 10 - 30 million more is needed, year on year, starting now.** There is a real risk that flood defences being built now will not be adequate in years to come, which could increase the number of people at high risk of flooding in the UK from 1.5m to 3.5m.*David Pitt concluded: "It is imperative that the insurance industry continues to raise these issues in the debate about the future of flood protection and continues to work closely with the government to ensure there is ongoing protection for homeowners and businesses. In November 2005 insurers renewed their commitment to provide flood cover where flood defences will be completed within five years, but this depends on sufficient investment and maintenance from the government into these essential defences."As more than 2 million households in the UK are still at risk of flooding, MORE TH>N risk experts have outlined ten ways to be fully prepared this winter:1. 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. The EA and SEPA have a 24 hour information service called Floodline available on 0845 988 1188. In Northern Ireland businesses can get information from the Rivers Agency. Advice can also be found on their websites:EA - www.environment-agency.gov.uk.

england home insurance. home insurance guide. home insurance owner purchase.
SEPA - www.sepa.org.uk/floodingRivers Agency - www.riversagencyni.gov.uk2. Have sandbags - your local council may be able to provide these - and boards ready to block doors, etc - do this in good time! 3. Keep your insurance policy documents in a watertight bag in a safe place.4. Keep a note of your insurer's Helpline number handy.5. Prepare a 'Flood Pack' and make sure that everyone in your home or business knows where it is. The pack should include: torch, battery-operated radio (with spare batteries), first aid kit, warm clothes, blankets and bottles of water. Keep it in a safe place, upstairs if possible. If you have a mobile phone, remember to take it upstairs too, and keep it charged.6. Think about where to park your car. Is it safe?7. Be prepared to move furniture, paperwork and valuable items upstairs and out of danger. Remember to include items like photos that have high sentimental value and will be difficult to replace.8. If you receive warnings of imminent flooding, be ready to switch off gas and electricity supplies and listen for advice on your local radio station. If water levels start to enter your home or business turn off the gas, and the electricity at the main fuse board. 9. Have a map of your local area handy. If you decide to evacuate, bear in mind that some local roads may already be blocked and impassable. Do not attempt to drive across flooded roads if you are able to drive round.10.

Wossy's home
Maybe high-scoring Lawrence Llewellyn-Bowen would get busy around the place while another favourite Prince William would certainly add a touch of class. Madonna and Guy Ritchie were also overtaken in the poll by our yellow friends.If you think your home has what it takes to outdo Wossy et al, log on to www.norwichunion.com/happyhomes between 7 July and 31 October 2005 to enter the 'Happy Homes' competition. england home insurance. home insurance guide. home insurance owner purchase. Read more...

If your home or business is flooded, contact your insurance company as soon as possible. Insurance companies are there to help and will know what to do if you have been flooded. Pre and post flood guidance is available on the MORE TH>N website.Notes:*According to the Environment Agency**ABI Report, Revisiting the Partnership: Five Years on From Autumn 2000.The MORE TH>N Flood Report Saving Homes and Businesses: managing flood risk, is available on the media centre at morethan.com.Home contents insurance from MORE TH>N includes:60,000 contents cover as standard (higher limits available on request).Up to 7,500 High Risk items cover for those valuable, more likely to be stolen possessions such as PCs, TVs, Cameras, Jewellery and Art (higher limits available on request).'New for old' replacement of damaged or stolen goods.24 hr Emergency Helpline - freephone support and advice available when it's needed, 365 days a year.Up to 150 Emergency Repairs benefit - we will arrange for a competent and experienced contractor to make the repairs - also includes emergency overnight accommodation.Children's College cover - as part of our standard cover, if a child is still living at home, their belongings in their college accommodation are protected (up to 15% of the sum insured).Moving Home cover - when moving home belongings are covered against loss or damage as long as professional removal contractors are used.Discounts for homeowners with security alarms, British Standard door and window locks and members of Neighbourhood Watch Schemes.

First time buyers warned
Never label keys with your surname or address.Make sure you check door and window locks meet insurers' minimum requirements and if you're concerned, it may be worth replacing the front door locks.Put off potential burglars by growing thorny plants up against the house.Contact the crime prevention unit at your local police station - they will check that your new home is secure and recommend extra safety measures.Make sure you get insurance befo... england home insurance. home insurance guide. home insurance owner purchase. Read more..

england home insurance. home insurance guide. home insurance owner purchase.

Disasters in the home
“Whilst the smaller household accidents are inconveniences which affect us all, a number of householders will suffer a major disaster and the effects could be devastating. The research also reveals that the unpredictable British weather can wreak havoc on homes, with half of householders suffering storm damage at least once over their lifetime. england home insurance. home insurance guide. home insurance owner purchase. Read more...

Pensioners home contents
A burglar's paradise - more pocket-sized gadgets. Looking at the nation as a whole, the report also predicts a dramatic rise in the number of household gadgets cluttering up UK homes over the next 10 years - up by a staggering 60%. And in this age of minaturisation, it's important for expensive gizmos to be tucked away into drawers, cupboards and handbags, out of sight of burglars. england home insurance. home insurance guide. home insurance owner purchase. Read more...

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