{"id":36064,"date":"2023-10-23T23:59:11","date_gmt":"2023-10-23T19:59:11","guid":{"rendered":"https:\/\/autoscommunity.com\/?p=36064"},"modified":"2023-10-24T11:11:18","modified_gmt":"2023-10-24T07:11:18","slug":"turbulent-weather-creates-a-storm-for-brits","status":"publish","type":"post","link":"https:\/\/autoscommunity.com\/2023\/10\/23\/turbulent-weather-creates-a-storm-for-brits\/","title":{"rendered":"Turbulent Weather Creates a Storm for Brits"},"content":{"rendered":"

Homeowners and motorists are urged to prepare as the Met Office has issued a red warning for Storm Babet.\u00a0Car\u00a0and\u00a0home insurance comparison experts urge Britons to prepare where possible and be aware of what their insurance policies do and don\u2019t cover when protecting their home and car.<\/strong><\/p>\n

Insurance companies<\/a> were paying \u00a3473 million to cover the damages caused by storms Dudley, Eunice, and Franklin in February last year, and the extreme temperatures in summer and winter led to an even more significant surge in insurance claims for subsidence and frozen pipes.<\/p>\n

Experts warn some car insurance policies include clauses advising policyholders not to drive through flooded roads and may expressly exclude from coverage any water damage to the car if the motorist goes against this advice.<\/p>\n

Weather-related risks play a crucial role in assessing insurance premiums<\/a> because they can cause significant damage to both cars and homes.<\/p>\n

Those who haven\u2019t declared their location accurately could invalidate their home insurance policy<\/a> without realising it.<\/p>\n

Although a standard home insurance policy usually covers loss or damage<\/a> from storms or floods, any residents within 400 metres of a river, stream or coastline could be classed as a \u2018flood-risk property\u2019 and must inform their insurance provider to ensure they are covered.<\/p>\n

Many\u00a0insurance providers do take anti-flood doors<\/a>\u00a0and other permanent flood defence features into account when calculating insurance premiums \u2013 provided they meet the appropriate industry standards and have been installed by an industry professional.<\/p>\n

The UK is expected to be hit with heavy and persistent rain, with 150-200mm of rainfall expected in some areas.<\/p>\n

Now is the time for policyholders to be aware of the legalities, keep their insurers up to date and help protect their homes and cars.<\/p>\n

Greg Wilson<\/a>, insurance comparison expert and Founder of Quotezone.co.uk<\/a>\u00a0said: \u201cPreparing for a storm consists typically of anchoring the bins and tying down garden furniture, but it\u2019s equally as essential to make sure your finances are safeguarded.<\/p>\n

\u201cAhead of a storm, drivers and homeowners must ensure they understand their insurance policies and are covered for everything they need to protect. Our most recent survey showed that 39% of people don\u2019t read their insurance terms and conditions \u2013 this is vital to ensure you\u2019re protected and could even create savings.<\/p>\n

\u201cSome car insurance providers include terms which state motorists must not drive through flooded roads, rendering the policy invalid should this be ignored. This is why we urge drivers to check their approach ahead of storm warnings and turbulent winter weather<\/a>.<\/p>\n

\u201cOur data suggests more homeowners are trying to find savings by taking out home insurance without contents cover to alleviate financial pressure \u2013 these short-term solutions can put them at greater financial risk<\/a>, leaving them unprotected against damage to their belongings, which on average cost \u00a343,000.<\/p>\n

\u201cHomeowners should aim to reduce their risks and premiums by understanding their needs, looking around for the best possible deals and checking that they\u2019re not over or underinsured.<\/p>\n

\u201cWith home insurance, it\u2019s always best, to be honest with your provider, use the online flood map tool<\/a> <\/span>if you\u2019re unsure of the exact distance to nearby rivers, and double check your home for any potential issues, especially about the colder weather<\/a>, ensuring gutters are free from debris and pipes have additional insulation.\u201d\u00a0<\/em><\/span><\/p>\n

As a price comparison site,\u00a0Quotezone.co.uk<\/a>\u00a0helps millions of people in the UK<\/a> save millions of pounds every year on\u00a0bills<\/a>\u00a0and\u00a0personal<\/a> finance products. It\u2019s never been more important to compare and find savings. CompareNI.com<\/a> can help those living in Northern\u00a0Ireland<\/a>.<\/p>\n

<\/div>\n
\n

\"Corey<\/a><\/p>\n<\/div>\n

\u00a0<\/strong><\/p>\n

\n
\n
UP IN NEWS<\/h5>\n
\n
\n