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Farmers insurance is more specialised than some other insurance policies in that not only does farmers insurance cover every aspect of the business but it can also cover the private dwelling as well.

There are many possible bolt ons to farm insurance which can cover such things as farm buildings, the farm house (basically householders insurance), livestock, equipment, business interruption and personal possessions.

It is becoming increasingly apparent that many farmers have an inadequate level of farmers insurance partly due to the inability to support the cost of the insurance premiums but also as a result of the continually changing needs of farmers insurance which is becoming ever more complex.

One of the main areas that farmers have proved exposed in recent years is the lack of farmers insurance relating to environmental issues surrounding the use of chemicals on the farm. Many farmer insurance policies physically exclude any damage due to chemical leakage or damage due to the u (more...)

You ve probably got contents insurance for your belongings but are you aware just how easy it is to fall behind in calculating the value of them?

What do you imagine the average contents of a family home are worth - 25,000 or 30,000? In fact this figure, for a typical home, is estimated to be over 45,000. Apart from your “moveable items” of carpets, furniture, curtains, it s probable that electrical goods purchased over the last few years explain the sudden rise. It s not unusual to have three or four mobile phones, a couple of computers, possibly also a laptop. Then there are the TV s. Apart form the large family wide screen digital HD ready, singing and dancing set, there s probably a another one in the kitchen and two or three others in the bedrooms, not to mention DVD and video recorders. Probably the children have iPods, gameboys and whatever else is “in” at present. Don t forget your CD collection - Norwich Union values these at 10 each and DVD s.

Apart fr (more...)