PRN: Protect Your Garden Treasures This Summer

Protect Your Garden Treasures This Summer [04-April-2012] CHESTER, England, April 4, 2012 /PRNewswire/ -- Ensure you are covered for garden items, urges With long weekends and Bank Holidays galore over the next few months, garden enthusiasts will be looking forward to spending more time outdoors getting ready for the summer.

Persone Peter Harrison, April
Luoghi Inghilterra, Chester, Halifax, Wé
Organizzazioni Bank Holidays
Argomenti internet, software

04/apr/2012 10:02:26 PR Newswire Turismo Contatta l'autore

Questo comunicato è stato pubblicato più di 1 anno fa. Le informazioni su questa pagina potrebbero non essere attendibili.

Protect Your Garden Treasures This Summer


CHESTER, England, April 4, 2012 /PRNewswire/ --

  • Ensure you are covered for garden items, urges

With long weekends and Bank Holidays galore over the next few months, garden enthusiasts will be looking forward to spending more time outdoors getting ready for the summer. advises all those thinking of dusting off the barbeque set and sprucing up their gardens to ensure their outdoor items are adequately protected.

Analysis from Britain's number one comparison site reveals most home contents policies make provisions for garden items, but the levels of cover vary considerably. For example; the maximum protection for items kept outdoors is £250 with Churchill Insurance while M&S Money offers unlimited cover. When considering levels of cover it's important to factor in big ticket items such as patio heaters, top of the range barbecues and lawnmowers stored in sheds and outbuildings. These need to be kept as secure as they would be in the home. Again, providers offer differing levels of cover for outbuildings; Budget Insurance covers up to £2,000 but unlimited protection is offered by Halifax and M&S Money.

Peter Harrison, insurance expert at MoneySupermarket, said: "Spring has sprung and many of us will be spending more time outside gardening or enjoying the milder weather. When you think about the items you may have in your garden it can be quite surprising how much they add up to. Many people have tables and chairs as well as gas barbeques and patio heaters, all items that carry a hefty price tag. Homeowners should beware that garden items can be easily targeted by thieves so it's essential to have the right amount of cover on your home insurance policy to make sure you're not underinsured.

"Considering the cost of some of the more expensive garden items it's also advisable to look at the policy details to see if there is a single item limit within the terms and conditions. If it does not state a limit, it may be worth contacting your insurer to notify them of any more costly items to ensure you are covered should you need to make a claim.

"Additionally, for those who keep items such as bikes or gym equipment in their sheds, out-houses or other storage areas, these will also require cover so it's important to keep these as secure as possible to ensure your insurance remains valid."

MoneySupermarket's top ten tips to keep your garden and valuables safe:

  1. Insurers are specific about what is and isn't covered as part of contents and outbuildings. Read the small print and ensure your open space is fully insured.
  2. Don't let thieves have easy access to your garden; ensure all gates and fences are in a good state of repair, and kept locked and bolted.
  3. Make sure your shed has a good lock.
  4. Do not leave expensive tools or valuable items, such as bicycles, lying in your garden. Keep them locked away at night because if they are not properly secured, they might not be covered.
  5. Make sure damage to walls, gates and fences are covered under your buildings insurance policy. Not all insurers provide this as standard.
  6. Install a security light as a deterrent to any would-be thief.
  7. Keep receipts for items purchased for the garden in case of future claims. It may also be worth declaring any single expensive items, such as a lawnmower, that may come above the single item limit on your cover if there is one.
  8. If you have lots of expensive items in your garden then a normal policy may not cover you. Instead, you might be better opting for a high net-worth policy.
  9. If you have a hot tub, jacuzzi or swimming pool make sure you tell your insurer as this is unlikely to be covered automatically.
  10. Make sure you know what is excluded in your cover. Most will not cover you for loss or damage if your home is unoccupied.

Notes to editors:

Home contents insurance - Garden cover policy details:

         Insurer      Limit for Items in Garden Limit for Items in Outbuildings     Barclays     (with garden                                         Sum Insured     cover)                   GBP1,500                GBP3,000 for theft     Barclays     (without garden                                      Sum Insured     cover)                    GBP500                 GBP3,000 for theft     Budget                   GBP1,000                     GBP2,000     Churchill                 GBP250                      GBP2,000     esure                    GBP2,000                     GBP2,000     Halifax                   GBP500                      Unlimited                                                          Sum Insured     Legal & General          GBP1,000           10% of sum insured for theft     M&S                      Unlimited                    Unlimited     Aviva     (with garden     cover)                   GBP1,500                     GBP2,500     Aviva     (without garden     cover)                    GBP500                      GBP2,500     The AA                   GBP1,000                     GBP3,000 

Sourced by 23.03.12's customer commitment

  • No other site compares more prices or products
  • We are independent so only find the best deals for you   
  • The price you see is the price you pay - you don't need to go direct and you won't get a better deal doing so   
  • Your details are safe with us and we won't sell them to anybody compares (at 28th February 2012)

  • 97 car insurance providers and 80 home insurance providers
  • 11 broadband providers and 18 energy providers   
  • 35 unsecured loan and 5 secured loan providers
  • 63 mortgage lenders and 29 credit card providers
  • 67 savings providers and 37 current account providers.
  • Over 1,300,000 mobile phone deals

We promise to be clear and impartial

  • All the products in our full search results tables are displayed in a completely unbiased manner.
  • We don't add fees or commissions on to the prices we compare.
  • There may be times when another site compares more companies than us on a particular product, perhaps because of market changes or technical issues. You'll be able to see this and know we are working hard to fix it.

We promise to be trustworthy

  • We never use your data to make unwanted sales calls or send you spam.
  • We never pass your personal information to third parties unless you give us permission to do so.
  • Even if you choose to receive additional information from us, you can opt out at any time. 
  • We promise to be supportive.
  • You can use our community forum to get information and help from other customers.

If you need further help or support, you can contact our sales advisors or customer services agents.

For further information, please contact: 

Nicki Parry
PR Officer

blog comments powered by Disqus è un servizio offerto da Factotum Srl