Guide to Insurance

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Keep Burglars Away

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Helpto safeguard your home by taking steps to avoid this perception.  Ensure that all windows, sheds, and sidegates are securely locked, do not leave tools and ladders lying around, putthem away as soon as you have finished with them.  Look at your garden with a critical eye, trimback bushes and hedges, consider lowering a high fence, anything that wouldprovide cover for illegal and unwanted activity. 



 

Andmake sure that your house doesn't look like its standing empty especially ifyou are away for more than a day.  Don?tleave milk bottles and papers lying on the front step or mail in theletterbox.  If you know that you?reunlikely to return to the house until after dark, leave the lights. 

 

It?sgood to be in contact with your neighbours, especially if you have neighbours whospend most of their day at home.  Askthem to check on your property every now and again and report any suspiciousbehaviour.  Invest in a burglar alarm,security lights, and if you believe you are in a high risk area, CCTV may be agood idea. 

 

Holidaytime

Ifyou're likely to be away for an extended period, do not change the message onyour answerphone informing callers of this. Stop deliveries of milk and papers, put lights and radios on a timingmechanism so that they switch on and off automatically during the day. 

 

Beforeleaving, check the locks and frames of your doors and windows.  Are they sound?  Do they need upgrading?   If you can force them open, so can somebodyelse. 

 

Investin a comprehensive to reduce the risk of loss.  If anythingshould occur, you will benefit from their assistance.  Make sure that each item of value is markedwith your details and make a list of the serial numbers so that they are easierto track if they do get stolen.  It willmake claiming easier too. 

 

Someinsurance brokers offer discounts if you follow certain safety tips mentionedhere, such as fitting a burglar alarm, as long as it is fitted according totheir instructions.  Speak to about their cover. 

 

Don't come in

Donot leave a welcome mat for burglars at your front door.  Don't leave a spare key in an obvious place,if you need to leave it for a member of the family ask a neighbour forhelp.  Do not put your name and addresson a set of house keys, if you misplace them you will need to change all ofyour locks to ensure that your house is secure. For the same reason, do not label your suitcases with your full address,all they need is your name and a contact mobile phone number.  And do not leave valuables in full sight of awindow.

 

Ifyou live in a block of flats or a complex that has multiple entry phones, do notlet people in that you don't know.  Andif someone knocks on your door asking for entry for some official reason, toread the meter for example, stay safe by asking to see their identification.  If they cannot provide a satisfactoryidentification card, you are within your rights to phone the authorities andreport them.  It's a good idea to fit adoor chain and a spy hole on your front door if you don't already havethem. 

 

Take action

NeighbourhoodWatch schemes are a good way to help keep crime levels down.  Members of the local community get togetheron a regular basis to discuss hot spots and crime busting initiatives.  There are now more than 155,000 such schemesin the UK.  If you want to get involved, contact yourlocal police station and ask for the Crime Prevention officer for furtherinformation.
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