Loh Kok TV yang Sudah Dimatikan Malah Jadi Lebih Boros? Ternyata "Kelalaian" yang Sering Dilakukan Ini, Malah Bikin Tagihan Listrik "Membengkak" Loh



According to UK statistics and in my own previous experience in Loss Adjusting, a large number of households are incorrectly insured - either under insured or over insured and both have different negative effects. Over Insured If you are over insured, you are likely to be paying a higher premium than necessary year after year thus wasting money and lining the pockets of the insurance company. This most commonly occurs on buildings insurance - many people insure their property based on it's market value rather than its rebuilding cost. The market value of a property in many locations is substantially higher than the rebuilding cost and as premiums are based on the sum insured value, you will be charged a higher premium rate if you have insured it in this way. Underinsured If you are underinsured, this means that your sums insured are lower than the actual rebuilding (for buildings cover) or new for old replacement value (for contents cover) and you will likely be paying a premium to Insurers which is too low. Many people mistakenly think that this will only affect them if they have a large claim and insurers will only pay to the sum insured but this is a misconception. Most buildings and contents policies will specifically state that the buildings and contents must be insured for their full rebuilding / replacement values and if not, your claim settlement will be penalised. Most Insurers will allow some flexibility on this such as only penalise you if you are under 80% insured. Calculating your sums insured Buildings: Your buildings sum insured should be calculated using a number of factors: The rebuild cost using the regional building rates for your geographical area The cost of any additional high spec fixtures and fittings such as flooring, kitchens etc Surveying and professional fee's (incurred during rebuilding) This can be difficult if you have little or no buildings knowledge, however, there is an excellent tool that you can use to do this. Don't forget to include an amount for externals and outbuildings such as sheds, garages, walls, patios. Contents: Insurers deal with contents claims on a new for old basis - they will replace or pay you the value of the content item as new, even though your damaged content s were no longer new. Therefore, you need to insure all of your contents based on their replacement cost as new and review this every year or 2 as it is common for you to buy more belongings and some items such as jewellery may increase in value over time. When reviewing your contents sum insured, it is easiest to do this on a room by room basis and include all contents such as clothing, valuables, furniture, carpeting, soft furnishings, computer and photography equipment, electrical items and anything else that is not part of the building structure. It is also useful to write and keep a list of these items and value's as in the event of a claim, this will be a really useful tool to help you collate your claim. In addition to calculating your main sum insured, be careful regarding policy limits - most policies will have a maximum limit for items such as valuables and high value individual items. If the limit is not adequate, you should consider 'specifying' these items for their correct amount and this will ensure you do not lose a lot of your entitlement in the event of a claim. When making a successful household insurance claim, knowledge is power.
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