Home Insurance
To get a quote, the companies usually require the following data:
- Details of your present or previous insurer
- The period your property was built
- Details of any alarm fitted to your property
- Details of the type of locks fitted to your doors and windows
- Your postcode
- Details of occupants
- Property type (i.e. terraced, semi-detached, bungalow etc.)
- Property value
- Details of how many bedrooms your property has
- Whether you are a member of a Neighborhood Watch Scheme
- Any history of claims
- Details of interested parties such as a joint owner, name or mortgage lender
Home insurance covers damage from incidents such as natural disasters, theft, and vandalism and usually covers similar problems for your garage or shed as well as replacement of personal belongings affected by crime, accidents or disaster. They also usually cover your living expenses if your house becomes temporarily unusable, for example due to flooding.
Automobile Insurance
To get a quote, the companies usually require the following data:
- Details of your vehicle. All the details you will need can be found on your vehicle registration document. Your M.O.T Certificate may also be required by some insurers.
- Details of any alarm or immobilizer.
- Details of all drivers and their histories. You will need your driving license and the licenses of any named drivers to give information about Accidents, convictions, claims or disabilities.
- Details of your No Claims Bonus (NCB)
The coverage usually depends on the type of plan you choose. For example, a third party only plan will not pay for the damages to your car but only for the other party’s car that has been damaged. A comprehensive insurance on the other hand will cover all damages to your vehicle.
Travel Insurance
The following general information is useful when obtaining a quote:
- Where you are traveling to and where from.
- Dates and duration of your holiday or trip.
- The types of activities you want cover for, including any specialist or high risk activities.
- The value of personal items and luggage to be taken with you.
The number of people to be insured on your policy, including the number of adults and children.
Typical risks covered by travel insurance include:
- Accidental death, injury or disablement benefit.
- Abandonment of your holiday.
- Cancellation.
- Delayed departure.
- Delayed baggage including replacement of essential items.
- Emergency evacuation.
- Legal assistance.
- Loss, theft and damage to possessions and money.
- Medical costs.
- Funeral expenses.
Pet Insurance
Data usually required by the insurance companies include:
- Age of pet
- Type of pet
- Your location
Some policies pay for all type of veterinary care, including annual chekups and immunizations. Others only cover accidents and illnesses.
Life Insurance
Usual data required by insurance companies include:
- Name.
- Age.
- Health impairments.
- Blood pressure.
- Family tendency of cardiovascular disease or cancer.
- Tobacco usage.
- Cholesterol levels.
- Any hazardous activities you’ve been involved in
Coverage depends on the insurance plan that you choose. It usually covers accident injury costs, hospitalization costs, any surgery costs, consultation fees as well as medicine reimbursements. |
