KEEP YOUR HOME SECURE THIS SUMMER

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The promise of a sunny day brings with it a high state of excitement and relaxation in a country where the summer months don’t come with a guarantee of hot weather. Dusty BBQs are dragged out of sheds, picnics are back, and windows and doors are thrown open to welcome the summer breeze. Therein lies the security problem, and the perfect opportunity for thieves. Even if you don’t forget to close a window at night, bolder criminals might even take advantage of easy access to your valuables in broad daylight.

North Yorkshire Police offer the following advice to avoid a theft in warmer weather:

  • Keep the front and back doors locked and windows closed as much as
    possible, also on cars.
  • If windows are open, keep them on the latch so that they cannot be
    opened further from outside.
  • Keep valuables and keys out of sight and well away from front or back
    doors where they may be easily reached.
  • Keep side gates locked.
  • Put away garden tools, ladders etc. after use so they cannot be used
    to gain access.
  • Use a strong lock on sheds, garages and other outbuildings and bolt
    hinges on for additional security.
  • Consider fitting outdoor security lighting.
  • Keep an eye on neighbouring properties.
  • If you see anything suspicious contact police on 101.

Remember that if you are a victim of theft but there is no sign of break-in as the thief has gained access through an open window, you may be unable to claim. Check your home insurance policy details for more information.

Contact us on 01737377250 or visit http://www.insureeasy.co.uk for all of your insurance needs.

 

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KEEP YOUR HOME SECURE THIS SUMMER

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!

Is your garden safe this Summer?

Affordable & Reliable Tradesmen Liability Insurance

 

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For Affordable & reliable tradesmen Liability Insurance from as little as £45 Visit www.insureeasy.co.uk or call 01737 377250.

We promise to place you with an insurance company that covers all your insurance needs. On average we save our clients at least 10% on their liability Insurance.

Affordable & Reliable Tradesmen Liability 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!

Is your unoccupied property safe and secure? We insure for both commercial and privately let properties.

un occupied property insurance
affordable un occupied property insurance

 

One of the most visible signs of a recession is the number of unoccupied premises, both on the high street and in our neighbourhoods.

The likelihood of damage or injury arising from empty buildings is high, even if they are only vacant temporarily, such as prior to their sale or refurbishment, and it is the responsibility of the property owner or lease holder to make sure the building is secure and properly insured.

Common problems include theft of contents, fixtures and fittings, vandalism, fire, fly tipping and occupation by squatters. Empty buildings are also at increased risk of water damage due to inadequate maintenance and repairs.

Owners have a legal ‘duty of care’ to third parties entering empty premises, whether they are employees, estate agents, surveyors, buyers and even trespassers, and it’s vital that you tell your broker immediately if a building you own or occupy is vacant, even if temporarily. This could result in higher premiums, but the consequences of not being properly insured and an incident of this nature occurring can be serious.

For more advice on insurance for unoccupied properties, call one of our brokers today on 01737 377250 or visit www.cisl.co for more details on how to become protected.

Is your unoccupied property safe and secure? We insure for both commercial and privately let properties.

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?

Is your Home safe? Here are some tips on how it can be

Home security tips and advice

Insureeasy.co.uk

Unfortunately we are all aware that break-ins do happen, therefore we want to make sure that all of our customers have the best information to prepare them against the worst happening…

We have put together the following list of ‘Home Security Tips’:

•   Bins and ladders should be stored away from your home.

These could be used by an intruder to access a 1st floor window.

•   Never leave any valuables where they can be seen by an intruder.

Leaving valuables in direct view of a window is like advertising the contents of your home

•   Don’t share any holiday plans on Social Media..

Posting details of when you will be away from your property will let any of your followers know that your home is potentially vulnerable.

•   Keep out any unwanted guests.

It is always a good idea to have a spy hole or door chain fitted as additional security.

•   Leave a light on when you are not at home or purchase a light with a timer.

This will be more beneficial during the darker evenings and if you are spending a night or week away from your home!

You can leave a radio or TV on as an  alternative to leaving the lights on. Security products such as a light with a timer can be purchased online.

•   Going away for a long period of time? Ask the Royal Mail to hold your post.

The Royal Mail operates a ‘Keepsafe™’ service where they will hold your post for up to 2 months.

We recommend asking the Royal Mail to hold your parcels and letters as this avoids a pile up of post which could alert an intruder as they will be able to see your home is unoccupied.

•   Join your local Neighbourhood Watch scheme. 

Alternatively if there isn’t a local Neighbourhood Watch scheme near you and you are going on holiday, you can inform a trusted neighbour that you will be away, so they can keep an eye on your home.

•   Store all house and car keys away from your front door!

You can have a key hook fitted inside your home or have a key safe fitted on the outside of your home. A letterbox cage or guard can be fitted additionally, this will help to deter a method of entry used by intruders called ‘Key Fishing’.

•   Fit lights with sensors on the front of your property and in the garden.

These will help to deter a burglar as they are often more confident when it is dark.

•   Mark all of your valuables with a UV pen.

If the worse did happen and your home was burgled it may help to make recovery of your valuables easier.

•   Check all of your locks including garages, gates or sheds.

Upgrade or replace any faulty locks. Make sure that any objects that can be used by an intruder to gain entry to your home are safely locked away in a garage or shed.

•   When leaving the property always remember to lock any doors and windows.

The majority of intruders will use an unlocked door or window to gain entry to a house.

Information provided by http://www.keytek.co.uk

For all your insurance needs contact us on 01737 373222 or visit http://www.insureeasy.co.uk

Is your Home safe? Here are some tips on how it can be