Pre-Travel Tips for your Home

Image source: dubai.com

Image source: dubai.com

Just because you are leaving on a trip of a life time, don’t forget to take second look around your house. There are some insurance requirements that you need to take care of before you leave:

  • Make sure you have all smoke detectors on every level of the home.  It is also a good idea to check the electronic detectors as they can get old like everything else and stop working. A carbon dioxide detector should be checked at the same time. If you have a 24/7 monitored alarm system, it will pick up on the alarms.
  • Do not keep money at home. If you have a lot of cash, put it in a safety deposit box at the bank. Home invasions are at an all time high. Your life is more important than your money or high priced jewellery. You could be walking back to your house after your vacation to a serious situation.
  • Don’t let it be too easy for a thief to steal or break-in to your car. Never leave anything valuable in the car and make sure it is locked. If you are not using your vehicle for your trip, ask a neighbour to park their car there off and on so it looks like someone is home. You could even leave your keys with them to move periodically.
  • Check your door and window locks. If you live in a house with a basement, some people will put bars on the inside for additional security.
  • Have your mail and newspapers stopped while you are away.  You might mention to your neighbour that if they see a moving truck in your driveway, to call police, because it is not you.
  • It is a good idea to have someone go in and just check around to make sure everything is alright. This is a crucial rule with some home policies. Many insurers want someone checking every 4 days. It is mainly to make sure there is no water that has backed up in the house or if there was a power outage, that your freezer goods were not affected.
  • Check all your electrical plugs to make sure they are dust free and unplug all the ones you can. There is no need for them be on.
  • Before you leave, take copies of passports, driving license, health cards, credit cards and put them in a safe outside the home, like a safety deposit box. This is a great way to prevent Identity Theft, and more important, if something happens abroad where your wallet or passport is stolen, you can call the bank to confirm your documentation with the people at customs. You don’t want to be denied entry to your own Country.
  • Most thieves can spot a tourist within minutes. Carry your money close to you in a money belt or front pocket. Change the pin on credit cards and your debit while you are way.

Have a great trip!!

Enjoy your holidays and become complete tension free with right travel insurance policy from Alfred’s InsuranceMarket.

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Salvage of Vehicles

accident1People are always asking why they cannot keep their vehicle after it has been involved in an accident and is written off by their insurance Company. You may think the damage is not that bad but, looks can be deceiving. They used to allow the owner of the vehicle the choice of either just allowing the insurance company to salvage it or they would offer the client the option of keeping it. 

The damage to your vehicle would cost more to repair than the car is worth. They will not pay more than it is worth, so they may offer you a settlement of 3672 AED. They would keep the vehicle. If you wanted to keep and car, the settlement amount would be reduced to say 2571 AED, with you keeping the car. They lower the payment as the insurance company will be responsible for the salvage charges.

The option of buying back your car was discontinued due to a couple of different reasons.
1. The vehicle may not look too bad on the outside, but it was the inside frame of the car which was compromised, so it would not be safe to drive.
2. The vehicle might be fixed by a friend down the road that owns a garage and would fix it just enough to legally put it on the road.
3. Nothing would be done on it. Looks fine. Insured keeps driving it.

I was told by my underwriter at an Insurance Company that they stopped using that practice. They were finding that people took the money and vehicle but would not get it fixed. These vehicles were not repaired and were being driven on the road again. One of their clients sold off the vehicle to another person. That person ended up in a serious at fault accident. The claim proceeded as normal until it showed that the vehicle had already been written off in an accident. The Original Company ended up being sued because they allowed the vehicle back on the road.

It has become law through many DMV, Insurance Authorities, that any vehicle that has been written off by an insurance company will have the vehicle blacklisted and marked on the ownership.

There are now car history reports that you must purchase, before it is licensed showing all accidents that occurred with that vehicle.

If your vehicle is stolen and then returned to you. The adjusters will want your vehicle checked for all issues that could have been compromised while not in your care. Baby seats are an important factor as well. They should be replaced if they are involved in any type of accident.

Visit insurancemarket.ae to compare up to 10 car insurance quotes in minutes, with the help of a dedicated personal shopper.

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