Over time, property values, rebuild costs, car values, jewellery values, contents values and personal circumstances can all change.
Our role is to explain your options clearly and help arrange cover that is suitable for your property, possessions, vehicles, travel plans and personal circumstances.
Buildings insurance should usually be based on the rebuild cost of your property, not the market value. The rebuild cost is the amount it would cost to rebuild the property if it were badly damaged.
You may need to specify high-value items separately if they exceed the single-item limit on your policy. This can include jewellery, watches, art, antiques, bicycles or specialist equipment.
Yes – even if a claim was refused by insurers or was not covered for some reason, you should declare it.
No, home insurance is designed to cover sudden or unexpected damage (e.g. a burst pipe) not routine maintenance or degradation over time.
If you have a complex medical history (travel insurance), criminal convictions, or previous claims, finding cover can be difficult. Using a specialist insurance broker can help you find suitable cover.
If you would like to review your personal general insurance or arrange new cover, RB Insurance can help.
We will take time to understand your property, possessions, vehicles, travel plans and wider circumstances, explain your options and help arrange suitable insurance.
Contact RB Insurance today to discuss your personal general insurance requirements.
Richard Bamber & Company
The Old Halsall Arms
2 Summerwood Lane
Halsall
Lancashire
L39 8RJ
01704 842 142 (Wealth)
01704 841 411 (Mortgages)
01704 842 144 (Insurance)
wealth@richardbamber.co.uk
