Privacy Policy

Privacy Policy for http://typesofpropertyinsurance.blogspot.com/

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at jonyleonardo@gmail.com.

At http://typesofpropertyinsurance.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://typesofpropertyinsurance.blogspot.com/ and how it is used.

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Kidnap and Ransom

Kidnap and Ransom - Reviewed.

The first instalment of the brand new ITV three part series “Kidnap and Ransom” went out on ITV 1 on Thursday 13th January. The programme stars Trevor Eve as Dominic King a private hostage negotiator based in the UK. There are a number of other well known actors and actresses in this drama.

The storyline for the first part was of a biologist Naomi Shaffer (played by Emma Fielding) who was kidnapped on the way to the airport in South Africa. The pharmaceutical company was prepared to pay the ransom for her release that in the end did not happen as the deal to release her was just about to happen when she was kidnapped (after being injured in the gun battle) by another gang of kidnappers.

We will wait to see what happens next Thursday or even the third week of this series.

The newspapers reviews I have seen liked the programme and were looking forward to the second one. Hopefully the high standard continues and more of these programmes are made.

If you are going to be working in an environment in the world where you could have a similar experience it would be sensible to actually taking out a Kidnap and Ransom “travel insurance”policy. On the other hand if you are sending your staff off to places where a similar situation could arise, again consider very seriously taking out insurance.

Equity and General Insurance Services advertise on the jml Insurance website and there is information there about the product at http://www.jml-insurance.co.uk/displayproduct.php?id=263&sec=8

Alternatively follow the contact Equity and General link and Neil Cook or Dave Burn will be happy to discuss the subject with you.

Insurance premium increases after claim for flooding

Neil Cook of Equity and General Insurance Services was contacted by a client with the following story.

January 2008 we were insured by AxA group, paying £306.91 per year, we were flooded in the September of that year, AxA dealt with the claim quickly, informing us at all steps of the recovery, we were back in the house in the February 09.

In the January of 2009 we were quoted and paid £681.61, accepting this, as we had just made a claim.

In the January of 2010 we were quoted £1,009.32, and this increase was justified as AxA apparently had revaluated their cost of expenditure after the floods.

We tried to insure our house with other companies, but to no avail as soon as we stated that we had been flooded they were not interested, therefore, we had to stay with AxA, until this year when AxA sent us a quote for the year 2011, costing £3,334.25 that is a monthly payment of £327.25, again they stated that they had "re-evaluated the cost of expenditure" and justified the increase.

This was a frightening time as a family, we knew if we had to pay AxA`s premiums we would find it very difficult, it was at this time we made contact with Neil Cook, he listened to our experience and found us affordable insurance.

To others who are feeling frightened by insurance groups who are happy to take your money, then penalize you heavily for making a claim that was out of your control, take comfort that there are others who are happy to help to maintain affordable insurance cover.

Graeme S......

To find out more about Equity and General Insurance for Home insurance for previously flooded or flood-risk homes on their advertising page at http://www.jml-insurance.co.uk/displayproduct.php?id=259&sec=1

Flood Victims

Neil Cook an insurance broker with Equity anf General Insurance Services saw the following on the "Insurance Age" Blog.

Household insurance in flood risk areas subsidised by £511 annually, says Axa

"According to data from Axa, household insurance for homes in high flood risk regions is being subsidised by £511 each year. The insurer stated this means that homeowners in affected regions are only paying 42% of the true cost of insurance to protect their homes against flooding."

The latest figures were as part of an AXA parliamentary flooding event It was also mentioned that the STATEMENT OF PRINCIPLES TO FLOOD VICTIMS (which promises fair premiums to those affected by flood or those in high risk flood areas) will not be extended when it expires in 2013.

No doubt other insurers will follow this method to justify massive unfair premium increases.

To read the article in full follow this link. http://www.broking.co.uk/insurance-age/news/1929827/household-insurance-flood-risk-subsidised-gbp511-annually-axa

To find out more about Equity and General Insurance for Home insurance for previously flooded or flood-risk homes on their advertising page at http://www.jml-insurance.co.uk/displayproduct.php?id=259&sec=1

Kidnap and Ransom - Have you considered buying insurance?

In February 2010 ITV announced that they had commissioned a brand new primetime drama Kidnap and Ransom starring Trevor Eve.

The series will star one of the UK’s leading screen actors, Trevor Eve (Waking the Dead, Framed) as international hostage negotiator, Dominic King.

The three x 60 minute primetime thriller is the first drama to come out of Eve’s production company, Projector Pictures, whilst in partnership with talkbackTHAMES

The ITV Press Release from the 8th February said "Eve will star alongside, John Hannah (Rebus, Cold Blood), Helen Baxendale (Marple, Cold Feet), Natasha Little (Mistresses, This Life), Emma Fielding (Cranford) and Amara Karan (The Darjeeling Limited).

When a businesswoman (Emma Fielding) is kidnapped in South Africa, expert hostage negotiator Dominic King (Trevor Eve) believes he’s dealing with a straightforward case – pay the money, get her back.

But when the release is botched and they strike again in Britain, the kidnapper, Willard’s (John Hannah) motives become far more sinister. With trouble brewing at home with his wife Sophie (Natasha Little) and teenage daughter - and his team, boss Angela (Helen Baxendale) and ambitious assistant Carrie (Amara Karan) pushed to the limit, King must draw on all his reserves to bring the victims home alive."

The first of the series goes out on ITV 1 Thursday 13th January at 9pm. A short preview can be seen on the ITV web site HERE

jml insurance has been promoting Kidnap and Ransom insurance under the Travel Insurance category on behalf of Equity and General Insurance Services.

Neil Cook an insurance broker with Equity and General said that they have received a lot of enquiries for Kidnap and Ransom insurance and the threat of kidnapping has traditionally been associated with Latin America but is now a global issue.

Large or small companies and corporations can be a trarget and it is most important that management pays close attention to the personal safety of its staff in the world we live in.

To find out more about Kidnap and Ransom insurance follow this link http://www.jml-insurance.co.uk/displayproduct.php?id=263&sec=8

In the meantime enjoy the series, but if you are venturing off to a "hot spot" you might seriously want to know about this type of insurance.

West Midland Landlord exposed to no insurance cover

As Premier HomeLet agents at jml Property Services we receive copy notifications from HomeLet of landlords who have not been able to pay their monthly insurance payments.

Sometimes this could be because they have changed their credit card and not notified HomeLet of the change, but usually it would be because they have gone over their credit limit after a big spend over Christmas and the New Year sales.

In today's post we received letters from HomeLet advising that a Landlord who has at least three rental properties in the west midlands had not paid.

The letters say "to ensure continuance of cover, we will attempt to collect the outstanding amount from the client's credit/debit card account over the course of the next 10 days. Thereafter the regular premium will be collected on the normal collection day.

We must inform you that failure to maintain monthly installments could result in the cancellation or voidance of the client's policy in accordance with policy terms and conditions."

In a nutshell this means if the payments stop so does the insurance cover, so what happens in the middle of winter if the landlord has a burst pipe, roof tiles blown off the roof or a tenant stops paying rent? It could be a major problem for the landlord.

If you are a Landlord or Tenant and you stop paying your insurance premium, remember you are exposing yourself to no insurance cover.

To find out more about HomeLet Landlord and Tenant insurance products follow this link. http://homeletuk.com/cgi-bin/alpha.cgi?agentschemeno=1501435

Consumers deceived by price comparison websites warns Essential Travel 70% of travel insurance policies deemed worthless

December 22, 2010 - 70% of travel insurance policies deemed worthless - Consumers duped by price comparison websites warns Essential Travel 70% of travel insurance policies deemed worthless

Guerilla marketing by price comparison websites has conditioned UK consumers to believe they save money by searching the entire market to find the cheapest prices. Leading travel essentials provider EssentialTravel.co.uk warns holiday makers this is not always the case and travellers should take care when searching for holiday insurance.

Stuart Bensusan explains “Companies on these so called ‘money saving’ websites are operating under several trading names, so whilst a top ten search gives consumers the impression that they are viewing a range of prices from ten different providers, in reality the ten insurance “brands” on display are actually owned by a small pool of three or four companies. In some cases it’s as few as two separate providers. Where’s the comparison in that?”

A quick search for the cheapest travel insurance policies on Go-Compare reveals its top ten policies are supplied by just two different companies and CompareTheMarket shows only three. This means if consumers were to purchase a policy from inside the top ten results on Go-Compare there is an eighty percent chance that they will have purchased a policy from the insurance provider Drakefield and a twenty percent chance they would have purchased a policy supplied by Citybond insurance.

On CompareTheMarket.com there is a sixty percent chance of purchasing a Rock Insurance policy and a thirty percent chance of purchasing a Blue Insurance policy.
Furthermore, the emphasis on price on comparison websites is leading holidaymakers to select the cheapest option rather than the insurance policy that best suits their needs.

“Insurers can only offer the exorbitantly low prices appearing on these sites by levying extremely high excesses on policies.” discloses Bensusan.

“Consumers aren’t always aware of the level of cover afforded by these cheaper policies; for example, whilst Moneysupermarket.com offers the lowest priced policy at £27, it has the highest excess at £300. A review of our recent claims showed 70% of them were for amounts totaling less than £300, which means that had those customers purchased this particular low cost policy they would have had to stump up the entire cost of the claim themselves. By spending just £28.35 more on their annual travel insurance policy, customers can reduce the excess to only £90 on items such as baggage, where claims tend to be for lower amounts.”

Bensusan concludes “Consumers need to be wary of websites claiming to offer an overview of prices across the whole market. The cheap policies displayed on these sites are inexpensive for a reason and don’t represent value for those that need to claim. We strongly urge holidaymakers to speak with a travel insurance expert rather than relying on misleading price comparison websites.”

Essential Travel was established in 2001 and EssentialTravel.co.uk is one of the UK's leading online travel essentials companies. The core products offered include competitively priced, fully comprehensive travel insurance; airport car parking; airport lounge access; airport hotels; car hire; and car hire excess insurance.

Source: Essential Travel