Robert Dessaix is a Financial & Insurance services consultant involved in the field for 15 years. He specialises in consultation for Business, Liability and Life Insurance.
Insuring the buildings
Although policies vary from one insurer to another, most building policies cover the main dwelling, its garage and other outbuildings, walls, gates, fences, drives, verandas, patios, swimming pools and landlord’s fittings and fixtures. One of the most important items of insurance we can obtain for you is reinstatement and replacement cover. This is for all the above structural items. You should be sure that the insurance covers the full cost of rebuilding because it might be much higher than the market value. While standard building insurance policies cover a wide range of risks, you should also think about if you need to increase your premium and obtain an accidental damage policy which covers virtually all types of accidental or malicious damage to structures.
Contents Insurance
Everyone with a home needs to insure its contents, whether the property is owned or rented. Even for a small flat, the cost of replacing furniture, carpets and personal possessions can be substantial. The cost of contents insurance is trivial by comparison. However, contents insurance policies vary greatly and it is here where we can offer valuable advice. For example, a householder can choose “new for old” cover or straight indemnity, which only covers the depreciated value of the contents. Some policies include, or can be extended to include, accidental damage. Others have optional extensions for television sets, stereos, computers, freezers, bicycles and many other such items. “Multi risks” cover is available for your personal possessions but usually this class imposes an upper limit on the value of any unspecified items.
Insurance advice is easily obtained from us at GNG. As a broker we are independent and deal with a whole range of insurers. We know what policies are available, what cover they provide and what special conditions or charges might be imposed. We also know what optional extra covers are available. To know more about us, please visit us at www.gng.com.au
- Related Articles
- Related Q&A
- Business Insurance Can Protect Against the Inevitable
- Business Insurance is Not an Option, It is a Necessity
- Business Insurance: Why You Should Purchase It for Your Business
- Business Insurance - How to Protect Your Business
- The Most Common Inclusions To Business Insurance Policies
- The Reason Behind Business Insurance
- The Best Way to Save Money on Small Business Insurance
- Business Insurance-Covering Your Business with Business Liability Insurance Is Essential
Finding Life Insurance Lead
By: williamharryn | 22/12/2009If you are a salesman, the discouraging factors is Finding life insurance lead generation programs. The best and easiest way is trying to find people who are interested in purchasing insurance than calling around and trying.
How to Get Your Discount Auto Insurance
By: darandaflamur | 22/12/2009Car insurance is a very important thing for every driver all around the world because it is the assurance that whatever trouble you may encounter you will have something to count on.
Younger drivers are more likely to text or make calls on mobile phones when driving
By: Rochelle Martinez | 22/12/2009Motor Insurance figures show that teenagers and drivers in their early 20’s cause more accidents on Ireland’s roads than any other group because of their lack of experience and poor judgement when driving. This age group is also more likely to own a mobile phone, making them more likely to be tempted to use it when driving.
Young drivers named Lauren and Luke are more at risk of having accidents
By: Rochelle Martinez | 22/12/2009Male motorists named Luke were 21 per cent more likely to be involved in a road collision then the average male driver, with female drivers called Lauren being 24 per cent more likely to have a bump then the average female driver.
Petrol or Diesel – the pros and cons
By: Rochelle Martinez | 22/12/2009You should remember that petrol and diesel are not the only options available. You can also buy cars that are built as hybrids, which have been designed to have a small petrol or diesel engine as well as an electric motor. It is the electronics in the car, which can run off the electric motor dependant on how much power is required.
The impact of car upgrades on Motor Insurance
By: Rochelle Martinez | 22/12/2009As an Irish car owner who is thinking about buying a newer vehicle it is recommended that you research motor insurance deals before you upgrade.
Stay covered when driving or risk facing fines and legal action
By: Rochelle Martinez | 22/12/2009The study also revealed that 37 per cent of motorists would think about downgrading their car insurance policies to try to save some cash. However, there are dangers with this as driving on the roads without the correct insurance in place could leave people open to punishment and major fines.
Make Car Insurance part of your 'emergency kit!
By: Rochelle Martinez | 22/12/2009There are many items that you can take with you in case you breakdown on the country's isolated routes, but you may find that your insurer can offer you extra protection. When you are looking for motor insurance deals you will come across many different policies that offer you varying degrees of cover. For instance, companies tend to offer two types of policy: Third Party Fire and Theft and Comprehensive.
Professional Indemnity Insurance
By: Robert Dessaix | 27/11/2009 | InsuranceThe professional person has always borne a heavy burden of responsibility arising from the services he or she provides. Now this responsibility has been made more onerous because of the changing consumer expectations, which are in turn reflected by tougher court decisions and expanded legislation.
Liability
By: Robert Dessaix | 23/10/2009 | InsuranceThe customs of today’s society have imposed a duty of care on everyone. People must act so that they avoid unlawful injury or damage to other people and their property. You can be severely penalised financially in the form of hospital and medical bills or damages if you are held legally responsible for injuries or damaged property. Even if you are not negligent and the case goes to court you might have to pay extensive legal costs.
Home and Contents Insurance
By: Robert Dessaix | 27/08/2009 | InsuranceFor most Australians, home is by far our most precious possession. It is the largest investment we make and the centre of our family and social life. So it is only right that such a personal and valuable possession should be wholly protected by insurance. Our homes are always at risk from fire, storms, burglary, vandals and other hazards. By a sensible choice of insurance policies we can make sure that danger to the building.