Is your garden safe this Summer?

Commercial Insurance Services Ltd home insurance
Is you garden safe?

 

Spring is creeping ever closer and it will soon be time for the clocks to move forward to summer time. For many, the increased daylight hours and rising temperatures will be the signal to dust off the lawnmower, dig out the patio furniture and fire up the barbeque. But are you sure that all your garden gear is safe from opportunists?

The criminal hit list

According to research by Lloyds Market Home Insurance, valuables such as patio furniture and garden tools rank high on the hit list of opportunistic thieves, but too many of us fail to secure such expensive items. As a result, last summer there was a 12% increase in the number of unforced burglary claims made to the insurer compared with the winter months. The average claim added up to around £900, which is not an insignificant sum.

Claims are also likely to get more expensive: according to Lloyds Bank Insurance’sBritain at Home Report, UK households spend around £366 every year on garden items, with those aged 25-34 spending over double this amount (£747). Such spending is on the rise, with 33% of homeowners questioned saying that they spend more money on their gardens now than five years ago.

However, despite our growing love of gardens and garden furniture, over a third of respondents admitted that they have no secure lock for their garden, while a quarter (24%) confessed that none of their outdoor items was insured. This could mean that many homeowners face the possibility of forking out a large sum of money to replace stolen items.

Commenting on the research, Tim Downes of Lloyds Bank Insurance said: “We know that the majority of thefts from gardens and sheds are opportunistic, so it is worrying to see so many people leaving themselves exposed by investing in gardens without adequate insurance.

“When it comes to protecting our properties, homeowners must remember that what’s on the outside also counts, so taking some small easy steps could help prevent having to stump up for lost garden goods should the worst happen.”

Keeping garden items safe

So how can you deter thieves from helping themselves to your expensive garden goodies? Here are our top tips for keeping all your outdoor items safe.

  • Lock it. Invest in a secure lock to bolt up your garden shed, garage, gates and outhouses. It’s also a good idea to check your fencing for gaps, and to see whether anyone could push past your garden bushes.
  • Make it heavy. Loading the base of your patio furniture can make it harder for thieves to carry it away – use stones or bricks to make them weighty enough.
  • Mark it. Take photos of all of your furniture and outdoor items, and then make sure you write your postcode on everything. This way, you will be able to identify what’s yours if it goes missing, or it could deter someone from carrying it off in the first place.
  • Form a fortress. If you can’t block access to your garden with a locked gate, then using spiky plants or building high walls can help to put opportunists off.
  • Use gravel. A gravel path in the front of your home can make a stealthy approach much more difficult.
  • Put it away. Leaving BBQ’s, lawnmowers and bikes out in full view is asking for trouble – lock them away out of sight. Remember that garden tools and ladders could be used to break into your property.
  • Insure it. Last but not least, insure valuable items. Replacing stolen goods can be an expensive business if your items aren’t protected, so save yourself the hassle by topping up your home insurance.

For a competitive quotation visit http://www.cisl.co or call us on 01737 373222 we can asses your risk and give you a quotation with in minutes!

Advertisements
Is your garden safe this Summer?

Affordable & Reliable Tradesman Insurance

12439383_980248165356338_8186244567203309121_n

 

Buying Liability Insurance online could not be easier. InsureEasy.co.uk not offers a full Quote-TO-Buy comparison engine for Public Liability Insurance. Compare your insurance needs with the top insurance companies at the click of a button. Commercial Insurance Services Ltd will still be offering a brokers experience, so if you ever need to call us during your policy term we will be at the other end of the phone to guide you with the advice you need. So what are you waiting for!? Click here https://lnkd.in/e73vXVw for an affordable & reliable insurance quote today!

Affordable & Reliable Tradesman Insurance

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

Insurance Broker Advantage

Whatever type of insurance you’re looking for, arranging your cover through an independent insurance broker – rather than a do-it-yourself price comparison site – is your best bet when it comes to finding the right level of cover at the right price.

On the face of it, price comparison sites offer great deals, especially when cost is the main consideration. But dig a bit deeper, and there are lots of reasons why using a broker can prove a very wise choice. The main benefits include:

  • you’ll get truly independent advice from the professionals
  • they’ll work hard on your behalf and shop around to get you the best deal
  • experienced staff with specialist knowledge of their chosen insurance sector
  • a broker knows the insurance market and recognises when you’re getting value for money and can negotiate on your behalf
  • you get personal advice and support, and have an insurance expert “in your corner” with your best interests in mind
  • you can ask questions, air concerns and get advice and recommendations – but still have the final say
  • you learn about the pros and cons of each option in a way you can understand
  • unlike an agent, an insurance broker deals with many companies, not just one, so they can find you the best value
  • insurance brokers are extremely well qualified, and must meet very high professional standards
  • in-house claims support is available if the worst happens

The personal touch

There’s nothing quite like dealing with someone who takes the time to get to know you and your circumstances. Independent insurance brokers provide that personal touch. At the same time, customers still benefit from competitive rates and some of the best deals that the broker can negotiate because of their established relationships with the UK’s leading insurers.

For peace of mind and a great deal on your insurance, call your CiSL today on 01737 373222 or Visit http://www.cisl.co

WHY USE CISL? WE DO THE HARD WORK SO YOU DON’T HAVE TO!

How safe is your home?

Home Insurance
In 2012…
There were an estimated 2,103,787 burglaries and 354,520 robberies.That’s one burglary every 15 seconds and one robbery every 1.5 minutes.

Around 60% of burglars used forcible entry to gain access to a home. More than 30% of burglars entered residences through an unlocked door, window and other opening without force.

Typically, burglars spend less than 60 seconds breaking into a home. The more difficult it is to gain access, the more likely a burglar is to reconsider the attack.

Most convicted burglars (90%) said they want to avoid homes with alarm systems and said if they did encounter an alarm, they would abandon the attack on the home.

It’s estimated that 74% of uncompleted intrusions can be credited to an audible alarm.

Homes without alarm systems are 3 times more likely to be burglarised than those with an alarm system.

Is your home covered incase the worst would happen? Contact us on 01737 373222 or visit www.cisl.co for expert insurance advice

 
How safe is your home?