01 April 2018

Top five points to talk to your clients about this spring

The arrival of spring can offer the chance to throw the windows and doors wide open to spend more time in the garden, and longer periods of time away from home enjoying the milder weather.

It’s also worth reminding clients of some factors they should consider that the change in weather and activities can bring.

  1. Keeping home security front of mind
    Dark nights are usually associated with increased opportunity for thieves, but the better weather can present equal risk, as people may relax their security and leave windows or doors open, or be out for prolonged periods of time enjoying the warmer temperatures.
    Enhanced security measures such as high-spec locks, security lighting and alarm systems can help, but clients  should be made aware of what their home insurance policy does and doesn’t cover them for should something happen.

  2. Make sure gardens are secure
    Garages and garden sheds can be targets, and as people are using them more often in the warmer months to access garden or leisure equipment such as bicycles, locking them up may fall by the wayside.
    Clients can increase garden security with measures such as outdoor lighting, securing garden boundaries and outbuildings, and moving items that may aid easier access for thieves, such as ladders and wheelie bins. Overhanging trees that could obscure thief activity should be cut back and all garden equipment and children’s toys or sports equipment should be locked away.

  3. Keeping on top of home maintenance
    Your clients should be made aware of their duty as homeowners to keep their properties maintained to prevent damage, as most buildings insurance policies do not cover maintenance of a property. Water damage arising from leaks in unmaintained rooves or brickwork, or damp in the home caused by blocked gutters and drains, will not be covered if the homeowner has neglected these aspects.
    It’s a good time to make clients aware of the coverage of their policies so they understand that inexpensive preventative action is the best option.
    If sharing these tips with your clients , please ensure you use the following “Always be cautious when undertaking any task that you're not fully familiar with as you could injure yourself or those around you, seek professional help where required”.

  4. Preparing for the weather
    With the unpredictable British weather and major weather events in recent years, clients should be made aware of the consequences of flooding, and the preventative measures they can take to help avoid severe damage to their property and belongings. From using sandbags and storing important documents or photographs up high in waterproof containers, to having flood equipment such as removable covers for doors, windows, vents and airbricks – clients should look to cover all vulnerable points where water can get into the home. Having the right insurance in place to cover damage caused by such events is something to make your clients aware of.

  5. Having the right cover
    It’s important for your clients to be aware of the type and level of cover needed for their circumstances. Why not remind them about our Home Insurance Choices policy, which provides cover for up to £1,000 for contents that have been left in the garden within the boundaries of the customer’s home, theft or attempted theft from a garage or domestic outbuilding up to £3,000 and even cover for plants in the garden (in pots and containers) up to £1,500.

Limitations and exclusions apply. Please refer to the Home Insurance Choices policy summary for further details.

Find out more about Home Insurance Choices.

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