HomeMighty mouse strikes again
We heard recently of an unusual and little known
- Insurance Providers Weather the Storm While Consumers Flounder
- Severe weather gives rise to many claims on home insurance policies. Read this article and make sure your policy provides the cover you need.
- The Importance of Getting More Than One Home Insurance Quote
- 70% of homeowners accept this home insurance renewal quote automatically. Bad move! This article explains why.
- A Basic Guide To Home Contents Insurance
- This argues you should always have your contents insured.
- Home and Contents Insurance. Are your premiums constantly rising?
- This article explains why premiums for Home and Contents seem to be constantly rising and what you can do about it.
- Home Insurance. Flood Alert
- Houses in high flood risk areas could be uninsurable. That's bad news for owners as its value could drop by 80%. This article provides the background.
- How much do you value your home's contents? Keep them covered.
- Keep your sum insured on your house contents policy up to date. If you're under insured, your claim may well be reduced accordingly.
In ancient Roman times, these 6" long dormice were fattened up to be consumed at banquets but they have turned the tables and now causing all manner of problems by ( insurance ) eating their way through homes in the area. Cables and insulation seem to be their favourite diet. They are a protected species so can't be eradicated by normal pest control methods; instead they need to be trapped professionally.
Vermin are causing havoc in the rest of the UK and ICM have done some research which reveals that one in ten households have had a problem with some type of pest within the past year. Some have been faced with hefty bills in an effort to rid ( life insurance ) themselves of the pests. There is help from the local council but as these pest infestations tend to be seasonal, there can be long waiting times. Private pest control contractors vary in efficiency and cost. It's a case of "beware of the cowboy", although it has to be said there are some excellent and experienced firms out there - the problem is that the industry is unregulated, so there is no standard to use as a comparison when considering the choice of a contractor.
When it comes to insurance, it's unusual for household policies to cover damage from vermin. It's usually excluded via an accidental damage clause. You may find that consequential ( cheap loans ) damage would be covered, i.e.: if vermin chewed through an electrical wire and consequently caused a fire, most insurers would cover this.
The most common pests are grey squirrels, rats, mice, ( insurance ) wasps and hornets. Esure offer an add -on to its home insurance cover. For an additional £21.99 per year they will offer a vermin control service covering problems with the above five pests. Even the cost of removing a hornet's nest could be as much as £100 so this extra is certainly worth considering.