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Make Cancelling Home Insurance the Last Resort

Insurance4everyone to hit the promotion trail!

Today, news from the Association of British Insurers highlights that throughout the UK, up to 1 in 4 - yes 25% - of people are cancelling their home insurance.

Insurance4everyone would like to help home insurance shoppers, whilst highlighting that this may not be the right answer.

The friendly insurance retailer is to begin rolling out an attractive discount campaign, with up to 's163;25 off home insurance quotations. Shoppers can also benefit from the existing match or beat price policy, a guarantee that renewal premiums will remain frozen and up to 25% off if they have No Claims experience. (* terms and conditions apply - see our web site for details).

James York, Marketing Director comments; Insurance4everyone wants to reassure shoppers that they can have peace of mind at affordable prices, we are doing everything we can to offer them a great deal whilst providing tips to bring their existing price down.

Money is tight, but perils aren'st affected by the news:

In reality, accidents, floods, burglaries and fires are things we can mitigate but not completely prevent. Unless you have undertaken a risk management programme at home, has the situation changed Indeed statistics show that in a time of recession, burglaries increase for obvious reasons.

None of these causes for a potential claim give one jot about the recession. They are not reduced because our bank balances are being squeezed, so it might be wise to consider whether you could afford any one of them occurring without any insurance cover.

Cover should be right, not absent:

Shoppers might feel they were paying too much for their policy If this is the case, there are lots of things one can do to reduce the cover but ensure the policyholder is insured for the worst case scenario. That would be the equivalent of a home fire or a flood causing catastrophic damage to a house and its contents. Likewise the average claim following a burst pipe is 's163;25,000.

Here are a few options that might help bring a shoppers premium down:

> Consider whether accidental damage cover is really needed

> Increasing the excess, reduces the premium

> Check to see if garden coverage is included, only include this if its absolutely necessary

> Check the insured values are correct and reflect the true value of your contents,

Of course no one should try to over-insure (shoppers will only get what an item is worth in the event of a claim) but likewise, always ensuring cover is sufficient for all contents is prudent (under-insuring is a false economy as it will result in any claim being reduced).

What we do:

All of these tips can help save shoppers money, as part of our product set, we built a value home insurance product for exactly this eventuality-Home Insurance buyers can get an immediate and fast quote online at www.insurance4everyone.co.uk

Consider increasing cover:

Those that purchase home insurance do so for a reason, perhaps re visiting that reasoning is advisable. Have the risk circumstances improved Shoppers should be certain that they are investing in the right cover.

Consider the following points:

> The insurance provider should appreciate its customer and their needs

> Claims or customer service experiences should match shopper expectation

> Does the customer have the right cover in the first place

> How flexible was the insurer able to be

> Stick with insurers who promise not to raise their premiums next year (like us!)

Insurance is a hedge and an investment, its peace of mind:

Make no mistake, insurance is not as tangible as the food we need or the clothes we buy for the kids, but it provides an invaluable peace of mind. It is a hedge you place to protect ourselves against the unknown and the financial downside of life.

In uncertain economic times, insurance gives us all one less thing to worry about. Looking after worst case scenarios and treating the purchase of Home insurance as a long term investment is sensible, rather an unnecessary cost.

Those that don'st claim,, you should consider them self fortunate as this indicates the avoidance of headaches and heartaches. Now is the time to be shrewd and think laterally.

Those with a mortgage should note, the mortgage lender normally stipulates buildings insurance is required, it helps to avoid inadvertently causing more problems by trying to save a couple of hundred pounds. After all, if mortgage lenders ask for a form of Home insurance, there must be a reason

Insurance4everyone knows times are tough, but asks insurance shoppers to think carefully before making any drastic changes. Home insurance is an ally and there to protect buyers from uncertainty.

Any insurance shopper is welcome to pick up the phone and ask any of insurance4everyone'ss UK based support staff for a few options.

Cancelling should really be the last thing shoppers consider doing.

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