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 MoneySupermarket.com 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.
Protect Your Garden Treasures This Summer
CHESTER, England, April 4, 2012 /PRNewswire/ --
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. MoneySupermarket.com 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 Â£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 Â£2,000 but unlimited protection is offered by Halifax and M&S Money.
Peter Harrison, insurance expert atÂ 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:
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 MoneySupermarket.com 23.03.12
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