A Time of Magic

Compounding the problems of the disability itself are the issues around disability insurance and of getting insurance generally if you’re disabled.

Even non-disabled people can find it difficult to claim on insurance as there are just so many ways for the insurance company to get out of paying you and, of course, having a declared disability makes that so much worse. Fortunately though there are a number of organisations out there to help disabled people through the maze that is insurance and not going through them is just asking for more grief.

The Easter break is a great time to spend a little time to reduce your outgoings and possibly even augment the quality of your insurance cover.

To make the most of your time getting insurance quotes, you need to gather together the relevant information first. In practical terms, one of the easiest ways to do this is to run through a quote and keep a note of the information asked for to simplify things the next time around. However, even when you’ve done that, don’t be surprised to find a few different pieces of information being asked for by another company.

Yeah, it’s boring but potentially very profitable.

We’re in the midst of a claim for the house insurance and finding that the policy might not be quite so good as we thought it was.

One of the issues we have is that they’ve hiked the excess ten-fold. Yes, it’s ten times what it was a year earlier. Net effect of that is that we find that we’re paying quite a significant chunk of the cost of the repairs ourselves and it’s not quite settled yet either. It’s that bad that in our last chat with them I was very close to telling them to just cancel the policy.

Whilst I’ve not, yet, cancelled it, I am definitely looking into an alternative home insurance quote at the moment. This time I’ll be taking a close read of the small print for sure.